When officials from Interac appeared before committee, my questions were mostly regarding e-transfers. As a private individual, I'm pretty happy with e-transfers. It has upped the limit to $10,000. Funds are available immediately, when they're transferred. You have to be careful with the name, number and email that you transfer to, again, because the funds are immediately available.
How familiar are you with the fee structures Interac uses for e-transfers and otherwise?