We have a US Canadian based account with TD and a USD Canadian based VISA but have a TD Bank US account base din Kissimmee which I can see in the Canadian based TD easyweb account and can transfer USD funds at no cost. I set up the US based account when we rented some points that we could not use and had my Paypal account set up to our US based account and then my wife's is Canadian based. Works really well as stated before as long as we keep $100 in the US based account there are no fees and we pay our DVC dues monthly now from that account.