Before we had a JA bank account we used our TD card which works at most ATM.s Tell the bank (in canada) what you intend to do and they will set you up with a plan which will avoid Canadian service charges. You cannot avoid the JA services however.You get charged per transaction so take out as much as the card will allow.The machines which dispense $5000.00 dollar bills will allow you to take out at least $50,000.00 JA at a time. Hope this helps