<p>CDN dancer, the integration with Commerce has not been done yet, and I’m not sure when it will be (probably fairly soon), but ask TD where you live now about the possibility of an account with TD Banknorth (which is what their U.S. operation is currently called). Even if the amalgamation isn’t complete by the time you’re in school in the U.S., you may want to investigate Commerce anyway as they are very well-known for their excellent customer service (one of the reasons that TD bought them!), and eventually it will be TD Commerce.</p>