The ATM owner is responsible for setting the exchange rate, which is typically consistent with
the global exchange rate of the day. In many cases, you will be asked to choose whether your
withdrawal should be billed in local currency or converted to USD by the ATM owner. Choosing the
option for conversion by the ATM owner may result in a less favorable exchange rate as well as
potential surcharges, while the option to be billed to your BFSFCU debit card in local currency
may be more favorable, since it is settled at the Visa® controlled prevailing exchange rate.
Before you make your withdrawal, go online and search for the current global exchange rate to
confirm whether the ATM you are looking to use is a good choice. And remember, if you use a BFSFCU
credit card, we waive the 1% transaction fee!