Trouble funding exchange accounts via e-transfer in Canada.

Is anyone else having trouble getting their fiat into exchanges? I have been trying to do recurring interac e-transfers to Kraken, but end up on hold with the bank for an hour every time with "fraud prevention" before they will release the funds. Then because of the delay it gets held up by Payper for hours before it finally hits my exchange account.

This is happening with both CIBC and TD banks even though I have approved the same address via 2FA, biometrics and over the phone multiple times.

The harder they seem to make it for me to send my own after tax "money" to buy BTC, the more conviction it gives me that I am doing the right thing...