qtla9111 - Chris,
Did you get any international monetary fees on you MX card in the US or Canada? Could be we have the wrong cards - from two different credit unions in the US - but we always get charged the fee if we use our cards. Never a fee on our debit cards. When we pay the deposit at the border which I think is $300 we are also charged $10 - $11 fee - we get it all back when the deposit is refunded. I don't get it. We have had cards compromised in the US and the Caribbean and had them cancelled while on vacation out of the US. It is quite a hassle with lots of begging phone calls. We now have multiple accounts - joint accounts - at two different credit unions so if one card goes bad we have several back ups. Maybe we are too cautious but our system seems to work for us.