A record of a DUI alone has for a long time been enough for Canadian border officials to bar Americans from entry. I don't see why Canadians shouldn't be held to that same standard.
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I would still need to be able to use my banking app to check my balance. That's more than just needing "to carry a wallet." That's the difference of more than $450 in mistakes as that's what happened when i didn't get a live-update to my account prior to the advent of smartphone banking apps. Fuck 5/3. -a dumpster-fire of a banking organization if i've ever seen one.