Hey, braintrust. I am a business person in the US who buys services from a company in Canada. I am thinking that to insulate myself from fluctuations in the exchange rate if the USD tanks, it would be smart to buy and hold CAD in a Canadian institution from which to pay my Canadian bills.

Additional logistical wrinkle: I am disabled and absolutely cannot travel to Canada in person.

Anybody ever done something like this and could advise me?

Trying to research this, I keep seeing breezy references to the supposed fact that some unspecified Canadian banks may be willing to open accounts for foreigners, maybe even online, but all the examples I have found (e.g. TD Bank) are expressly for people relocating to Canada, which I am not.

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