Last year Bank of Montreal gave me market rate less 2 cents on the dollar on my ATM withdrawals at Belize Bank.

That said, I try to bring enough US cash and US$ Travelers Cheques so that I don't have to make withdrawals at all. However I also brought my sons with me last year and they were kinda hard on the wallet.

Newfoundlanders are the only people in heaven who want to go home.