Does any Canadian MSer have looked into Payso.ca for MS? Works exactly like Paypal/Amazon Payments and allow to send money for free between personal accounts.

You link a Credit Card to send payments and bank account to receive payments. With 2 accounts one could easily get free spending while minimizing the risk of being red-flagged for fraud.

FYI, there is currently a $5 signup bonus through referral. PM Canadian phone # if you want referral link.