The Spousal Methods of Payment refer to the various ways in which spousal support payments can be made. It is important to choose a payment method that is reliable, convenient, and agreeable to both parties.

Options for Methods of Payment:

1. Etransfer (Electronic Transfer):

   • Definition: Payments are made electronically from one bank account to another via an e-transfer service.
   • When to Use: This option is ideal for quick and direct payments, often used for regular, ongoing support payments.
   • Example: Monthly spousal support is transferred from the payor’s bank account to the recipient’s account through e-transfer.
   • Benefits: Fast, reliable, and traceable; both parties receive confirmation of the transaction.

2. Bank Transfer:

   • Definition: A direct bank-to-bank transfer where funds are moved between accounts, often set up as an automatic or recurring payment.
   • When to Use: Suitable for ongoing, scheduled payments, especially when both parties agree on a fixed payment schedule.
   • Example: A bank transfer is set up to automatically debit the payor’s account on the 1st of each month, with the funds deposited into the recipient’s account.
   • Benefits: Easy to automate, ensures payments are consistent and timely, and provides a record of the transaction.

3. Post-Dated Cheque:

   • Definition: Cheques written for future dates, allowing the payor to provide multiple cheques at once to cover future payments.
   • When to Use: This option may be preferred for individuals who prefer not to use electronic methods but want to ensure that payments are provided ahead of time.
   • Example: The payor gives the recipient 12 post-dated cheques, each dated for the 1st of the month, for one year of spousal support.
   • Benefits: Provides a physical payment method, which can be useful if one party prefers non-digital transactions.

4. FRO (Family Responsibility Office):

   • Definition: The Family Responsibility Office (FRO) is a government agency in Ontario that enforces support payments. Payments are made through FRO, which ensures the recipient receives their support and can enforce payments if the payor fails to comply.
   • When to Use: Typically used when one party is concerned about the reliability of direct payments or there has been a history of missed payments.
   • Example: Spousal support is paid to the FRO, which then forwards the payment to the recipient. If the payor misses a payment, FRO can take enforcement actions, such as garnishing wages.
   • Benefits: Secure and legally enforceable. Ensures payments are made even if the payor fails to comply with the agreement.

Why This Matters:

Choosing the right Spousal Method of Payment ensures that spousal support is paid consistently and reliably. Each method has its advantages, depending on the preferences and needs of both parties. It is important to select a method that works best for both parties, ensuring peace of mind and compliance with the separation agreement.