美国：RBC's Access USA May Be the Best Account for Canadian

For 2 reasons:

1. Open US account in Canada is legitimate.
2. Transfer between accounts is free currently and the exchange rate is not bad.

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U.S. Banking for Canadians

If you are a resident of Canada who visits or travels to the United States regularly, you have a very specific and unique set of banking needs. RBC Bank offers convenient and accessible banking solutions to give you financial peace of mind - on both sides of the border.

Access USA®
Avoid Monthly fees with $700 minimum balance (otherwise $3.95 US)
Includes free Online Banking and Bill Pay
Free check card
No-charge check writing
No RBC Bank fees for ATMs transactions; rebates on ATM fees charged by other banks (Up to two per month upon client request) 1

Online Banking & Bill Pay
Access USA includes free Online Banking & Bill Pay with single-sign-in access to your RBC Royal Bank® (Canada) and RBC Bank (U.S.) accounts. In addition to everyday Online Banking & Bill Pay benefits, Canadian customers may:

Sign in once to view U.S. and Canadian RBC accounts at the same time
Transfer money between accounts at RBC Royal Bank and RBC Bank in the U.S.
Pay U.S. or Canadian bills with free online bill pay

1 Some restrictions apply.

http://globalimmigrations.blogspot.com/2010/05/blog-post_6006.htmlhttp://www.rbcbankusa.com/checking/cid-188782.html
http://www.rbcbankusa.com/toolsresources/cid-101822.html
http://www.rbcbankusa.com/file-472023.pdf