Questions about US$ exchange rate | General financial discussion | Discussion forum

Hi all
This is my first post, but I have been following this site for years and have taken advantage of the great information it provides.

I have a set up with Agility forex.
It is linked to my RBC CAD savings account (no fee, but one transaction a month free)
It is also linked to my RBC USD account
Minimum exchange is $3,000 USD
Agility is in the add a payee in RBC
The exchange rate is better with larger amounts exchanged, but it is about .2 to .3 % vs credit cards at 2.5%
So, I log into Agility and select an amount in USD that I want and Agility gives me an instant quote in CAD and exchange rate. If I like it, I execute the transaction.
I then log into RBC and go to pay bills, select Agility and pay the quoted amount in CAD.
Within 2 days my USD is deposited in my RBC USD account.
I have done this numerous times over the last 4 years in amounts from $3,000 to $50,000 without any problem.
I also have a RBC U.S. Checking account, debit card and VISA card.
When in the States, I use my USA RBC visa, and then pay my bill with my US RBC chequing account. I keep my chequing account topped up from my RBC Canada USD account that I supply through Agility.
The only fee I pay is a monthly $3.95 for the RBC U.S. "Royal Embassy" chequing account.
This is the only reason, I have accounts at RBC, so I do not incur fees for the RBC Canada accounts.
The rewards program on the US Visa more than covers the chequing account fee.
I also use my RBC USD debit card.
On line, when I log into RBC Canada, my RBC US accounts are linked and it is easy to do "North to South" transfers and vice versa.
My debit card in the states also gives me ATM access with no fees.