<p>Boysinfirm,
My son is also from Florida, and will be at McGill next year. We just checked out a banking option with RBC Centura, which is the former Centura Bank Co., which has been bought out by Royal Bank of Canada. They have an account access program that was set up to provide banking services for Canadians who live in Florida part time, and it can work in reverse for US students of Canadian colleges. We can have a US account and a Canadian account, and seamlessly transfer money between the two. Here is the link, so you can see if there are branches in your area to explore this option (Central and South Florida only for now). We will know exactly how convenient it turns out to be by the time school starts, but it seems like the best option for us. Good Luck.</p>