Hi Lisa,
A SSR & OKW owner chiming in here who does indeed have his monthly dues and loan payments automatically deducted from an American account each month.
It is true that DVC will not withdraw from a US$ account thru a CDN bank, but I can assure you that is possible to open a US$ account with an American bank here in Canada, without having a Social Security Number.
I went thru the same scenario back in June when I financed an add-on thru DVC and wanted my dues deducted monthly too.
Here is what you can do:
Royal Bank is affiliated with RBC Centura in the States, so go to your local Royal bank branch, bring lots of types of I.D.,(passports, D.L. whatever you've got) and open a CDN$ "Day to Day" savings account. This account has no monthly charge, only charges for each withdrawal etc.
While you are there, ask to open a checking account with RBC, this acct also has no monthly charge (if you maintain a $700 US balance). They will make you fill out a few forms, check lots I.D., then send your account request off to somewhere in the States, and in a few days you will have a USD$ acct. thru an American bank
A week after you're approved for the American account, you will receive checks with this account, and you can then send one of those checks to DVC, from which they can make the withdrawals.
For the record, I had no previous accounts with Royal, I just went there because I heard this was possible.
What I do each month is, set-up an automatic transfer from my bank (Pres. Choice) into my Royal CDN$ savings account, then go the RBC website and transfer funds from my Royal bank acct to my RBC account to cover the withdrawal. Nice thing too is that the RBC website has both your Royal bank acct and RBC acct so transfer is very easy and painless. Your money is converted at the days rate and is done instantly.
I hope all this made sense. If its still unclear, let me know and I'll try to help.
Also go to this link and familiarize yourself with it before yopu go into the branch.
http://www.rbcroyalbank.com/RBC:R0DC4471A8YAJ4BGXIE/usbanking/index.html
CPC