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Exchange rate?

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Does anyone have experience exchanging USD to CAD with TD/CIBC. If I have $100 in a US$ bank account with CIBC and want to change it into Canadian and the current exchange rate is $1:1 will I get the full $100 in CDN? Or does CIBC/TD have their own exchange rates that would be .9X making my balance $97(for example).

Hope this is clear :( I don't know anything about this

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