I noticed this too on a recent RCI cruise - except that as far as I can tell, there isn't a fee (but it could only be for 100$+?)
the problem is that my onboard account was in US$, and billed to a Canadian$ card (Aerogold), which I believe charges a 3-4% currency spread, so you lose out on the exchange rate...
Otherwise it'd be nice to take out a few $,000 and grab a bunch of points... and NOT spend it at the casino, right...
