Another Canadian here. Today I transfer funds to friends and coworkers by emailing them an Interact e-transfer from my bank app which they can deposit directly into their account. Interact is our Debit Card network. I also used tap-to-pay for lots of stuff (we all have chip-and-pin here). I bought some cheques while searching for an apartment so I could pay rent in the future. I found a property company that does pre-authorized payments. I still have all my cheques.
It’s a sneeze guard.