Paper is for handing to the recipient.
Last time we bought a vehicle, I wrote a cheque at the dealership. We self financed. It never occurred to me to get a bank draft (or even a certified cheque apparently). Mostly I email money. When we got Duffy I direct deposited into the breeder's account and Duffy caught a flight to Calgary. One big ripoff to me is when we do an EFT to the Cook Islands. We pay a fee to send that's not too bad I guess and they pay a fee to receive. It's apparently cheaper than taking a credit card.
I only accept cheques because I can do mobile banking and take a picture.
http://www.cbc.ca/amp/1.4457823
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A few years ago I bought a car with a bank draft (here in the UK), but it took several days for my bank to arrange it. At least it didn't cost anything to organise.
ReplyDeleteI bought my current car with a debit card. The dealer didn't charge a fee (as I expected), but they'd have charged extra if I'd used a credit card.
It's surprisingly difficult to e-transfer money internationally without going through a bank in Canada. Mind, our bank regulation is different too.
ReplyDeleteThat BS about the transfer of funds with a cheque has always annoyed me ..
ReplyDeletesend a cheque.. the funds are gone from the paying account that night... but here, they don't rock up into the account they are deposited to for up to 5 days.. oh, but for a fee, the bank will do a rush payment and put it through within 3 days..
There used to be a bank advert here with the question "which bank?"
Most Australians used to just answer "doesn't matter, they're all arseholes"