Best way to handle the Euro from TX, In H go to Thomas Cooke bank and establish an account. Request a debit card and Euro conversion, this minimizes but does not eliminate the conversion charge. I used this method for a while back in 2014 and could easily transfer money from my regular US bank on line to then Cooke bank when I needed more Euros. Then I used the card in Europe with no up charge nor additional conversion charges at banks and at ATM's.