My two cents on deposits. Make them reasonable; I once tried to make a somewhat larger deposit which the bank flagged and froze my account. I literally got the 3rd degree arguing with them; they even wanted to know what it was for, asked me to my face. None of their business what I do with my money. Next, e-transfer, please, please, please, make that to some sensible vanilla everyday email account with straightforward security question/passwords. And I've never had an issues with deposits from the dommes I've scheduled with, only the bank.