LynnSunshine

A post was removed for telling a member not to post — this goes against the TOS of VJ. 
 
VJ Moderation 

If you bank at RBC or TD, they have comprehensive cross border banking packages.  Since it doesn't sound like DH has a US credit card, I'd probably look at getting one based off of your Canadian credit with one of these major banks.  I'd assume you have an ITIN as well if DH has been doing his taxes, so that can be associated to a credit card account in place of a SSN until you get one to really start building US credit.  It's challenging to do anything south of the Canadian border without a credit card and a credit history.  If hubs does qualify for a US CC through that US bank where the bank account is, get one there, too.  
 
I'd also sign up for Credit Karma and look at your scores.  You'll want to try and bump em up as fast as you can.  It's a bit of a shock to the system when you go from having credit to not.  I'd also say keep a Canadian account or 2 alive, too.  I ended up having to move back to Canada with my kids for 18mo while we were going through the process and I was extremely lucky I still had great credit in Canada.  It allowed me to easily rent a house and buy a car without a big headache.  

Immigrating without some temporary separation is very unlikely.
 
One thing you should really listen to in this thread:  Montreal is notoriously strict when it comes to domicile.  His being up to date on filing federal income taxes is great, but it won't be enough.

The best path forward through the Montreal Consulate is for your US citizen husband to move to the US 4-6 months before your estimated visa interview date, to establish domicile, get a driver's license, rent or buy a place to live, open a checking account, etc., and get a job as your primary financial sponsor, then he can go up to Canada for a week to help you move to the US after your visa is in hand.

Quite assuming and do your homework, but reading instructions and learning the process.  Harsh, but necessary.
 
Assets do need to be 3 times the income requirement, but that is the minimum. Barely qualifying is not likely to work.  Answer is for your husband to move to the USA and start a job.  Use that new job AND your liquid assets to qualify financially.  

I'm sure you would LIKE your husband to be there to help you move, but in reality that is not necessary.  You can hire a moving company to do it ALL.  They will come and pack and move everything you didn't already get rid of.

Your husband doesn't ever have to return to Canada after starting his USA job.  He can, of course, but it is not required.  He does NOT need to cross the border WITH you.  He CAN, but what is important is that he is EITHER already in the USA ahead of you OR crosses with you.  EITHER is fine.

The US spouse must arrive in the US either any time  before or at the same time as the immigrant.  

A family re-unification visa is for reuniting families inside the US.  It's the law.   That's why all petitioners must prove domicile in the US.

You will want to pop over the the Canada forum if you haven't found it yet. https://www.visajourney.com/forums/forum/93-canada/
 
and check out the FAQ https://www.visajourney.com/forums/topic/734707-cr1ir1-montreal-faq/
 
and the ongoing thread with CR1/IR1 https://www.visajourney.com/forums/topic/804105-the-big-ir-1cr-1-dqd-message-group-part-v/
 
You are going to need more Montreal specific experience, advice and support.