Would DR1er's please advise what they are getting for rates at ATM's using a US bank debit card. We have been using our Bank of America card at Scotia, but we seem to be getting nailed on the US= Cd rate. Today we got 33.32 which seems to coorespond with Cd $1 to .924 US. I'm trying to see if its better to just pay the fees and be ahead. Thanks.