Are E-Transfers Mandatory for Rent? NB Tenants' Rights Explained

Are you a tenant in New Brunswick wondering if your landlord can insist on e-transfers as the only way to pay your rent? With digital payments becoming more common, this question affects many tenants. Understanding your rights, the official process, and the law can help you avoid stress and protect your interests.

Rent Payment Methods Allowed in New Brunswick

In New Brunswick, landlords and tenants can agree on how rent will be paid. Common payment options include:

• Cash
• Cheque (personal or certified)
• Money order
• E-transfer or other electronic means
• Direct deposit or pre-authorized debit

The law does not mandate a single payment method. Instead, the Residential Tenancies Act of New Brunswick requires that payment arrangements are made in good faith and stated in the rental agreement.^[1]

Can a Landlord Require E-Transfers Only?

Many landlords prefer e-transfers for convenience and record-keeping. However, they cannot unilaterally impose "e-transfer only" rules after the rental agreement is signed, unless you consent. Both parties must agree to the payment method, ideally documented in writing before or at the time of signing the lease.

If the Lease Specifies E-Transfers

If your rental agreement clearly states that rent must be paid by e-transfer, you are generally expected to comply. If your circumstances change after signing, it's best to communicate with your landlord to propose a different method, and keep a written record of the request.

If E-Transfer Is Being Imposed Without Your Consent

When a landlord tries to enforce e-transfer only payments without your agreement, or after the rental has started, you can:

• Politely explain your situation and offer other payment options
• Remind your landlord that New Brunswick law does not require e-transfer only payments
• Contact the Residential Tenancies Tribunal of New Brunswick for advice

What the Residential Tenancies Act Says

The Residential Tenancies Act (SNB 2012 c.121) governs landlord-tenant relations in New Brunswick. The Act strongly encourages clear rental agreements but does not restrict rent payments to digital forms. It also requires landlords to provide written receipts for cash payments upon request.^[1]

Official Forms for Rent Payment Disputes

• Application for Determination (Form 1): Use this form if there is a dispute over payment methods or if you believe your landlord is acting unfairly. Download the Application for Determination - Form 1 here. Submit it to the Residential Tenancies Tribunal with documentation about the payment disagreement. For example, if your landlord refuses to accept cheques, you can use this form to ask the Tribunal to determine if the landlord's actions are reasonable.

Practical Steps for Tenants Facing E-Transfer-Only Demands

If you are pressured to pay rent by e-transfer only, follow these steps:

• Review your signed rental agreement for any clauses about payment method
• Communicate your preferred or available payment option in writing
• Save copies of all communications
• Ask your landlord for a written receipt if paying by cash or non-electronic methods
• If the issue isn't resolved, contact the Residential Tenancies Tribunal or file Form 1

For more advice on ensuring proper payment and your responsibilities, see the Tenant's Guide to Paying Rent: Rights, Responsibilities, and Tips.

Other Protections Regarding Payments and Deposits

Landlords may not require security deposits greater than one month's rent, and must handle them according to the law. Learn more in Understanding Rental Deposits: What Tenants Need to Know.

For a broader overview of your rights and obligations, see Tenant Rights and Landlord Rights in New Brunswick.

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Frequently Asked Questions (FAQ)

1. Can a landlord refuse cash or cheque rent payments in New Brunswick?
   Landlords and tenants are free to agree on a payment method, but landlords cannot refuse a reasonable form of payment if e-transfers pose hardship for the tenant and this was not agreed upon in the lease.
2. What if my bank doesn’t offer e-transfers or I have no internet access?
   Tell your landlord immediately. The law does not require tenants to use e-transfers only, so discuss alternatives or contact the Residential Tenancies Tribunal if you’re pressured.
3. Is a landlord required to give me a receipt for rent paid by cash or money order?
   Yes. You have the right to request a written receipt for any rent payment. The landlord must provide it upon request.
4. Can the landlord change payment methods half-way through my lease?
   No. Changes to rent payment methods require mutual agreement. The landlord cannot force a change after the lease has started unless you agree in writing.
5. What should I do if the landlord won’t accept my payment because it’s not an e-transfer?
   Document your attempt to pay, propose reasonable alternatives, and contact the Tribunal for help. Consider filing Form 1 if necessary.

Key Takeaways for New Brunswick Tenants

• Landlords cannot require e-transfer payments only, unless agreed in your lease.
• You have a right to request receipts for payments and propose other reasonable methods.
• Contact the Residential Tenancies Tribunal if a dispute arises over payment.

This summary covers your most important protections. Always put agreements and concerns in writing.

Need Help? Resources for Tenants

• Residential Tenancies Tribunal of New Brunswick: For formal advice, forms, and dispute resolution.
• Email: irent@snb.ca | Phone: 1-888-762-8600 (Service New Brunswick)
• Public Legal Education and Information Service of New Brunswick: Free information and referrals for tenants.

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1. Residential Tenancies Act of New Brunswick
2. Residential Tenancies Tribunal of New Brunswick
3. Application for Determination – Form 1 (PDF)

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