I agree with chalf. Base on my experience in Paris, ATM was the least expensive way to exchange to FF. BTW my credit union DOES NOT levy exchange surcharges. When I check the rate when I came back it was close to official rate for the day.

I also used GE MC (before sold to First USA) which didn't levy any surchages beyond that 1% fee by MC.

If you haven't noticed, large US banks aren't consumer friendly when it comes to fees or surcharges.

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"It is not doing the things we like to do, but liking the things we have to do, that makes life blessed." - Goethe