I ran into this problem and I'm hoping that I'm not the only one to face it. I used my Check Card from an American bank to withdraw money from an ATM machine in Nepal. It would not let me withdraw saying that I have an insufficient fund in my account. The $100 that I had in my account would not be converted into an equivalent in Nepali rupees, but would be shown as Rs 100. I am sure there are ways to work around it. Does anyone know?