I get all my ATM fees reimbursed. I don't like to live my life based on and watch out for the exchange rate. When I need to spend I spend using my cc mostly and cash occasionally. I do have two Thai bank accounts. I don't find them very useful.
What is not true? That I am using CC and US ATM cards for my maintenance in Thailand? I use ATM only to keep some hard cash. Otherwise, I almost survive on CC only.