Originally Posted by
trojanman
I can get foreign currency from my local bank here in the states. Unfortunately, the rate they quoted seems to carry a 10% penalty compared to the published exchange rates.
I can get 28 Baht per 1 USD at my bank, vs. 31.7 Baht advertised exchange rate.
Should I do this, or will it be cheaper in Thailand?
28 Baht is a rip off. Wait until you get to Thailand. I usually get my ATM max when I arrive ($400), and then use some of the exchange counters in town if you need more.