About two months ago, one of my e-cheques bounced and my balance was left in the negatives for about a month or so.

Before this, all the e-cheques (i.e. payments from bank account) I sent were instantly sent. Now it takes about 8-9 days to "clear" them because I live in Canada. Is there anyway I can fix this? I've tried adding a credit card but it STILL won't let me make instant payments from my bank account unless I put the CC as first priority. It's really a pain in the ass...