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hey Westin, im with Canada Trust and what I've found works best to avoid having cheques held for a month is just to disposit them into the ATM machine, just skip going to the tellers at all and do your banking with the machine...I drop a check in and 24 hours later its converted to canadian and I can withdrawl whatever the amount was. No screwy teller trying to tell you they have to hold it for some BS amount of time. Seems to be working for me not bad, on any small or large check. Just my .2 cents
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