Neither TD or BMO ever charged me.
However BMO has a retarded rule of a mandatory 30-day hold for foreign checks. TD's hold is 15 days.
Best advice for Canadian banks, make friends with a teller. Check holding is 100% discretion of the teller. I've deposited $5k+ USD checks at BMO with no hold. When I'm not depositing at my home branch, I get 30-day holds for $60 checks. That's when I tell them to fuck off and march to TD or to the home branch.
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