I always use the ATM, you get up to the minute exchange rates and usually only a $1 - $2 fee. don't bring a bunch of US cash into the country. Conversly don't take much home. I try to hit the airport with about $5.00 for starbucks on the way to the gate.
If anybody leave Canada with more that $5, I can help you by sending you my postal address. I'll be happy to take your extra cash!
ATM and credit card are easiest and more cost-effective. Banks take too long and ask too many question. Nothing like "what will you do with the money?" but name, address, IDs...
I always use the ATM, you get up to the minute exchange rates and usually only a $1 - $2 fee. don't bring a bunch of US cash into the country. Conversly don't take much home. I try to hit the airport with about $5.00 for starbucks on the way to the gate.
I also use ATM, especially Scotiabank ones, because I don't have to pay transaction fee with BAC debit card. Since 2003, I don't mind coming back home to NYC with few hundred C$ due direction of exchange rate between C$ and US$.