credit cards

Currency conversion fees

Currency conversion

Fifth Third Bank

HSBC

ATM withdrawal: 1%
Credit card purchase: 3%, except for the HSBC Premier World MasterCard, which is 0%
Debit card purchase: 1%
Credit card cash advance: 3% except for the HSBC Premier World MasterCard, which is 0%
Fees charged even if transaction is in U.S. dollars?: No

National City

PNC

ATM withdrawal: $3.50 (This fee is waived for PNC free checking customers with an average minimum balance of $2,000 for the statement period.)
Credit card purchase: 3%
Debit card purchase: 2.5% on purchases and cash advances
Credit card cash advance: 4% with a minimum of $10 plus normal cash-advance fees
Fees charged even if transaction is in U.S. dollars?: Yes

Royal Bank of Scotland

ATM withdrawal: 2% to 3% dependent upon need to change currency
Credit card purchase: The greater of $1.50 or 3% of the U.S. dollar amount of transactions, whether originally made in U.S. dollars or converted from a foreign currency
Debit card purchase: 2%
Credit card cash advance: 3% of the amount advanced, but not less than $10; the greater of $20 or 5% of the transaction for certain cash equivalent transactions
Fees charged even if transaction is in U.S. dollars?: Yes

Regions

Simmons

SunTrust

ATM withdrawal: 3% of the purchase amount as a currency exchange fee (There is also a $5 per transaction ATM fee for clients who do not have one of SunTrust's higher-end package accounts.)
Credit card purchase: 3% of the purchase amount as a currency exchange fee
Debit card purchase: 3% of the purchase amount as a currency exchange fee
Credit card cash advance: 3% of the purchase amount as a currency exchange fee (Other standard cash-advance fees apply, based on the terms of the cardholder agreement.)
Fees charged even if transaction is in U.S. dollars?: No

TD Bank

USAA Credit Union

US Bancorp

ATM withdrawal: 3% charge on ATM withdrawals after conversion to U.S. dollars ($1.50 to $2.50 fee)
Credit card purchase: 2% charge on point-of-sale purchases after conversion to U.S. dollars
Debit card purchase: 2% charge on point-of-sale purchases after conversion to U.S. dollars
Credit card cash advance: 3% charge after conversion to U.S. dollars (If no currency conversion takes place, fee is reduced to 2%. Cash advance fee is 4%, $10 minimum fee.)
Fees charged even if transaction is in U.S. dollars?: Yes

Wachovia