Thought I might jump in the "mix" with my own bank story. On my last bank statement from Chase Bank the following sentence appeared in bold black letters, "We've updated your deposit agreement regarding transactions in a foreign currency." Curious and wanting more information, On Sat. Dec. 31, 2016 I called the Chase location where I have purchased most, not all of my foreign currency and asked to speak with the branch manager for further clarification regarding the sentence that appeared on my bank statement. I was informed that they have a record of my foreign currency purchases and the specifics can be read on their web-site to clarify how Chase determines the exchange rate for transactions in foreign currencies.