Get a local account. Chip and pin cards, better exchange rate, and you don't have to put one penny into the shitastic establishment that calls itself a bank (BOA Community Bank).
Weird. I just grabbed the first one that mentioned hmmv in it. I know I read the whole report but it's not up on the site anymore.
Found it on the AMC site
https://www.amc.af.mil/shared/media/document/AFD-141202-003.pdf