You’re not going to be going up…and talking to a bank teller. You’re going go to the branch manager and ask for the wealth manager that covers the geographic area where you are, your location. Usually banks assign a wealth manager to cover 5, 6 or 10 branches in a regional area. You want to talk to the wealth manager. You’re going to go to him and…tell them ‘I don’t want to pay any transaction fee. I just want you to make profit on the spread.’ The spread is the difference between what the central bank says the rate is and what Citibank says or Chase or Wells Fargo, whoever it is. : Guy
