ATM exchange rate for Canadian Dollar

The actual exchange rate is actually the same at all banks and depends on which international network they use, Visa or Mastercard. It varies a bit between the two. The differences are what the banks charge for their ATMs, what your bank charges for use of a non network ATM, and if your credit card company charges a foreign transaction fee which usually is around 3%. Just get a debit card that rebates ATM charges, offers a large network, (the main ones are plus and cirrus) and doesn’t charge a foreign transaction fee. As long as you’ve got the right card the differences between ATMs isn’t worth worrying about. Of course you always decline dynamic currency conversion

That is such a fine detailed explanation of the 'ATM Process'.
There are so many misconceptions about it.