Thank you for all the helpful replies to my post.
Yes, I asked about Citibank ATM thinking I would then not have to pay the bank fee if using Thai ATM.
Citibank does not charge for overseas transfers via their website, but I checked yesterday about transferring $1500 to Bangkok Bank and exchange rate was 33.6927b. The Mastercard rate on their currency converter for same amount was 34.81b, if I did this right. Is it really that different? If so, seems better to use my Citibank card to withdraw from Bangkok Bank ATM, even factoring in the 220b local bank fee. Only thing is Bangkok Bank ATM withdrawal limit per transaction is 50000b, so would have to incur the 220b again for additional withdrawal.
Am I thinking right here? Thanks for guidance.