We use a credit card at most restaurants we know. My Rapid Rewards card doesn't bang me for transaction fees AND I get the points to fly!!
For cash, we used to do a BOA account just to get money for free at Santander. They ruined that, so now I Xoom. Use the app on my phone to choose how much to send myself. 2 seconds later the money is 'ready' for pickup. I use Electra down by Chedruai. The exchange rate is always pretty darn good and the fee is 4.99 regardless of amount so as long as you do enough to minimize that fee, its a good deal. I walk in, hand them my passport and show them the email or text message, so they can get the transaction number. (You could just write the number down too.)