You are transferring US dollars Internationally to a canadian bank account. Your bank in Dryden should be able to set you up with an account that's for US dollars only? We have one at RBC that we transfer Canadian dollars to, its converted to US dollars and we have a specific card that we use when making Purchases down further in the states. Heck, over in I Falls, our canadian debit cards from the bank work for purchases at Menards. Comes right out of our canadian bank account, the bank does the exchange conversion.