Remember, it is ATM check card

if you get your money from Scotia bank, no withdrawal fee. Go to BofA website to read it for yourself.

The xchange rate is the interbank rate - very competitive.

Now, if you withdraw money from ATM machines that are not Scotia bank's, BofA will charge you from $3 to $5 depends on which state you live in. For FL, they charge us $5 if withdrawal is made from Non member bank.
Exchange rate is always the interbank rate.

Remember it is your check card I am referring to, NOT credit card. NEVER use your credit card at ATM - it would be a cash advance and costs you dearly (financial charges at a very high interest rate as it is considered you borrow money from your credit card).