Canada has e-transfers between any two bank accounts via Interac, although some banks do charge a small fee when sending from some types of accounts. Interac debit can also be used pervasively at POS terminals, although credit cards (both Visa and MasterCard) are widely used. I haven't seen a cheque used in any capacity in over a decade.
Edit: Both debit and credit card payments use chip-and-pin or tap everywhere, and have for a well over a decade.
