From my experiences, I suppose I'm lucky that I bank at Citibank. Sure I have to mail in my deposits to Toronto, but it's not like I need the money right away (I mean, I know exactly when my tuition payments are).

As such, so long as I have my minimum balance, I can withdraw from any machine, Canada or US for free. Now, if I get what I like to call the evil bank machines, or the super evil bank machines that try to disguise themselves like nice bank machines (this is actually written on the back of the box), the debit card comes out, I walk a block, and find a nice sweet bank machine that doesn't take my money.

Ah, the joy of cola.