I actually have always used a CU. I was always under the impression that they typically have better rates but I'm not positive. Is it just her CU that doesn't accept EMT? I had a previous client who asked if I did EMT and I'm pretty sure she was at a CU.
I'm sure with an increased late fee that this issue will stop though! Good luck (just noticed that your a fellow Manitobian...welcome !)
I should check with her again. She's my friend but she's kind of a scatterbrain lol. She is still banking with a bank from a town she hasn't lived in for over 10 years.
Is it too much for me to say that I will only accept EMT? If I put that into my contract?