wouldn't they charge me for that??
Depends on the bank. Call them and ask. Mine charges about $2, but you get a better exchange rate and you don't have to worry about losing your money. I usually bring $100 for emergency, or if the ATM swallows the card. This never happened to me, but I heard that it can happen if something goes wrong. As for the rest I just use a local ATM of a big name bank.
Let's see what others answer.