I live in Canada. I use Tangerine (formerly ING Direct). Tangerine is the "direct banking" division of Scotiabank; it has no monthly fees but also no tellers.
They let me send "Interac email money transfers", which cost $1 each. They also let me send "Tangerine email money transfers", which are free but slower.
I sent a "Tangerine email money transfer", but the recipient still hasn't received the email yet. What gives?