lets talk--my usa bank charges a fee when u withdraw from ATM, while
canadians not; certified check is even more expensive; in ur checking account ur minimum balance is required quite high in usa banks, the dishonored cheque is a even higher price;...
Today I bought a money order in CAD from a bank, for my wife's application fee. The rate is 1.52978 and the comminssion fee is 20USD. So 60 CAD cost me 59.22USD. Almost 1:1.