I will only speak to the money issue. WE USE CASH.
We come to Canada every year. Have made 2 trips to Alaska and on the way there now. Have family in Canada so usually spend a month in Canada going and a month returning.
We have BOA as our bank. They charge a 3% international fee on every debit and credit card transaction. However, they have a reciprocal agreement with Scotia Bank that allows us to use our debit/credit card to make cash withdrawals without any fees, including an ATM fee.
Would suggest you check with your bank and see if they have a reciprocal agreement with any bank in Canada if you decide to use cash.
We find it works quite well for us and saves $30.00 on the thousand. We also get the current exchange rate and it has been around parity for the past year.
