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I have only sent EMT's and DD with TD Canada trust.
With DD's you go to any branch and give them the other person's information. Account, name, and address. The more info you have, the better off you are in the event there are other people with the same name.
EMT's do incur a $1.50 service fee so it all depends on how much of a scrooge the person sending it is. With TD, I just log on and send. Nothing too difficult. I haven't tried it with my CIBC account yet but I have online access so I'll check it out.
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