I had my bank wire funds in Canadian money to ETI care of Citizens Bank,Vancouver BC- I thought. When I received the e-mail from Tammy, she told me my bank had wired US $. I was shocked to find out that Citizens Bank had credited my a better rate (.76) than my bank (RABOBANK), which had the daily rate ($.77). The wire only cost me $5. I had a Vanguard FXC account in Canadian money, but they wouldn't wire Canadian to Citizens Bank. Not a bad deal after all, even though I thought I would be on the losing end.