Good try but the judges have ruled that the question #7 clearly indicated if there are any banks in the US who provide foreign currency exchange without fees...a hotel giving you a break on exchange rates is simply giving you a bonus for staying with them.

Appeal denied.

Basic assumption: the wholesale bank rate of exchange.

In my experience, the local Bank of America charges me 5% to purchase euros.
If I get them in Europe from an ATM, I pay 1%.
If we are talking a difference of 4%, $3,000 of conversions would result in an exchange difference of $120.00

Those of you to whom $120 is infinitesimal afterthought are indeed fortunate. For me, it pays for a night's lodging in Munich, or did up until last year.

So one man's infinitesable afterthought is another man's finitesable concern.

Besides if we all paid $120 per visit more than we should, somebody would be making a bundle swapping money. I don't like the idea of being played for an idiot. So I hunt for ways to reduce the exchange costs. Besides, it is a game that helps to sharpen the wits.
And mine need all the sharpening they can get.

NYC--yes, it was. It was a bonus--no extra charge.