Yes. What you wrote in your last paragraph is Correct. There may or may not be transfer fees from USA account to your Canada US $ account depending on your bank and type of your account.
But there is no exchange rate issue since the transfer is from US $ in USA to US $ in Canada.
My experience is with HSBC. It is pretty good. I have an HSBC account in USA opened as a Canadian resident with a Canadian address. In Canada, I have two HSBC accounts , one CA $ checking and one US $ checking.
With Global view of HSBC, you can view all your world accounts with HSBC on one page and transfer money between your accounts on-line. The transfer is free for me because of the type of account I have with HSBC. For other types of accounts they do charge small fees.
I do online transfers from USA account to US $ account in Canada. For converting US $ to CA $ in Canada , I just call HSBC Canada to get the exchange rate and do the
conversion over the phone ( HSBC offers the best exchange rate of all the Canadian banks).
