As an America living in Paris for 3 years now with a Bank of America account, using BNP for withdrawals has saved lots of money in fee's. There is no additional fee for BoA members taking cash from BNP machines. The daily exchange rate is determined by Visa, and shown on this website: http://corporate.visa.com/pd/consume...r_ex_rates.jsp

It makes it easy to check the exchange rate before I withdrawal and, because it shows a history, helps me to plan in order to get more favorable rates.