Foreign exchange services for your business needs.
You come to a branch to deposit a US$100 cheque into your Canadian dollar account.
Exchange rate: 0.75
Conversion: US$100 x 0.75 = C$75 deposited to your account.
Cheque is returned unpaid (e.g. insufficient funds in the account of the person who wrote the cheque).
Exchange rate: 0.80
Conversion: US$100 x 0.80 = C$80 withdrawn from your account.