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The simple answer is that it depends how much money you are looking for.
Since we change large amounts ($50k+ per), TD gives us direct access to the trading desk, which is basically as good as you can get (for reference, on Friday XE.com listed the exchange rate as $1.00usd = $0.98720cdn, we bought at $0.99260).
However, if you are looking to deal in a relatively small amount, they will not give you this type of access and you are probably stuck either dealing with somebody like Custom House or trying to beat the bank up at the branch level to get them to give you access to a VIP or priority rate.
Mark
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I'm old now - boring street cars and sweet race cars.
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