Dynamic currency conversion

Thanks for information on the Board, when I went to use my ATM card I was asked if I wanted to use their conversion and as suggested I answered no. ETrade changed their bank to NYC bank I believe for I had to go to 3 Banks before my card worked. Before if the bank was member of one of the processing banks I had no problem. Now I have to go to a Visa or MC ATM. The bank I had to use charged 100 Peso's for bank fees and Vat tax on my withdrawal. The other 2 banks were charging around 56 Peso's before declining withdrawal- I am now when I get home for a new Bank for International ATM withdrawals.