15 Banks and Credit Unions that Exchange Foreign Currencies

When looking for currency exchanges near you, consider local banks and credit unions. simonkr/ Getty Images

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• Not all banks or credit unions exchange foreign currency.
• Our list has options that let you exchange foreign currency at a branch, over the phone, or online. 
• Most financial institutions require you to be a customer to exchange foreign currency.

If you're looking to exchange currency for a trip abroad, major brick-and-mortar banks or credit unions can help you get different currencies at a fair exchange rate. 

You won't want to visit your nearest branch on a whim, though, as some banks do not offer exchanges. Here's everything you need to know about exchanging currency — from where you can go to what you'll need to place an order.

Financial institutions that allow you to exchange foreign currency

The following 15 banks and credit unions exchange foreign currency. These financial institutions are also featured in our guides for the best banks and the best credit unions. Keep in mind most banks or credit unions require you to be a customer to exchange currency.

• America First Credit Union: Credit union members may visit select branches to exchange up to $5,000. There's a $10 transaction fee if you exchange more than $300 and a $20 fee for exchanges under $300.
• Bank of America: Bank of America customers may exchange up to $10,000 online. You can also place an order over $10,000 at a branch. There isn't a fee for exchanging currency, but if you have your order shipped home, there's a $7.50 fee. If you place an order for $1,000 or more, you must pick up your money at a branch.
• Citi: You can call or visit a branch to exchange over 50 types of currency. There's no fee for Citigold or Citi Priority Account Package customers. Citi customers with accounts not mentioned will have to pay a $5 service fee for any transaction under $1,000. If you'd prefer to have money sent to your home, there's a $10 to $20 fee, depending on your shipping priorities. 
• Citizens Bank: You may exchange currency at a branch. Contact a Citizens Bank branch for information on pricing.
• Chase Bank: Chase customers may exchange currency at local branches. You'll have to call your nearest branch to learn about transaction fees. 
• First Citizens Bank: Customers may exchange over 70 types of currency at branches. There aren't any limits on how much you can exchange, but you'll need to contact your nearest branch to learn more about potential fees. 
• First Horizon Bank: First Horizon Bank has currency for more than 65 countries. Bank account customers have to visit a branch to exchange currency and learn more about potential fees.
• Huntington Bank: Huntington Bank customers can exchange up to $20,000 for an $8 fee at bank branches. The bank has 75 types of currencies.
• PNC Bank: PNC Bank lets customers exchange currency at local branches. You'll want to call your PNC branch first so currency can be delivered beforehand. The bank charges zero transaction fees for exchanging currency.
• Regions Bank: Regions customers may exchange currency at local branches. You'll have to visit a branch to exchange currency and learn more about potential fees.
• Service Federal Credit Union: Service Credit Union has over 60 types of currencies. You may call or visit a local branch to place an order. Orders under $500 may entail a $15 transaction fee. 
• State Employees Credit Union: Only credit union members can exchange foreign currency at branches. You'll want to call SECU customer service before you visit a branch to ensure the type of currency will be available at your nearest location. The credit union does not charge fees for exchanging currency.
• TD Bank: TD Bank has 55 types of currencies. Orders can be done online or at a TD branch. However, keep in mind online orders have $7.50 fee and a maximum order limit of $1,500. 
• U.S. Bank: US Bank customers may exchange currency at a local branch or online. There's a $10 transaction fee for orders of $250 or less. Orders that exceed this amount do not have a transaction fee. 
• Wings Financial Credit Union: Wings Financial Credit Union has over 90 different currencies. Only members may place orders. There's a $10 transaction fee for orders under $300. The fee is waived if you make an order over $300.