In major cities like Hanoi and Ho Chi Minh City, legal gold and jewelry shops often offer the most competitive exchange rates for crisp, new USD bills.
Chase does not typically charge a flat "service fee" for the exchange, but they do include a markup on the exchange rate (the "spread"). This markup can be significantly higher than the mid-market rate you see on Google. Better Alternatives for Travelers
Expect a processing time of 1 to 3 business days for the currency to arrive at your selected branch for pickup.