I see you are here in Southern California.

My advice is to consider opening an account at Bank of America. BofA is part of a global ATM Alliance, including Westpac (Australia) and Barclays (United Kingdom). In short, you may use the ATMs of these banks to withdraw funds from your BofA account with no foreign (in this case, meaning not part of BofA's ATM network) transaction fees, and you get the straight interbank foreign exchange rate.

That way, you have reasonable access to currency if you need it, although cordelli's warning about ATM availability is a very good one, IMHO.

I try to visit the websites of the banks before I travel and find the ATM locations that may be convenient to where I am going to be staying/visting. (I also enter them as waypoints in my handheld GPS, but that's the geek in me).

Hope this helps!