Disagree because I am in Canada and work for employers in the USA and Romania. Cheques in US funds are mailed direct from either a corporate accounts receivable department or my escrow broker. They arrive directly at my credit union, where the nice girl behind the counter deposits them and clears them upon arrival, placing the funds in a US dollar denominated electronic account connected to the rest of my accounts via web interface. I pay no fees at all for this or the connected checking and savings accounts as long as I maintain a $1000 balance, which is easy to do with up to five cheques arriving daily. Wire transfers are costly (in Canada, anyway) and there was that whole dick move thing where the trade federation deleted the codes for the Iranian banks from the system.