dg; maybe I wasn't clear. When I withdraw the local money I do so at an ATM, however I NEVER NEVER use a CC I use the ATM card that is connected to my checking account this way its NOT a cash advance.If you use a CC I understood it was a cash-advance!! As for using TC's when you cash them you'll end up with less local money than an ATM withdrawl asI just outlined. In England doesn't matter if you went to a bank or any money-changing stand you got bet $10 & $20 less in Pounds,than the ATM besides you save alot of time remember most banks allow $400 US per day so I make a couple of deposits to a few banks to get around that. The ONLY exception to this is if the country you'll be going to has a BLACK-MARKET for its money where CASH or TC's would be better, make sure you go to an established changer otherwise you might just be switching good Yankee $$$ for funny-money.