How Interac® e-Transfer works

Sending an Interac® e-Transfer: Step-by-Step

1. Login to your online banking.
2. Create a profile with your email address and/or mobile phone number, if you have not already done so previously.
3. Select 'Send Interac® e-Transfer' under 'Transfers'.
4. Select a recipient, or add a new recipient profile, by entering the person's name or business name, plus an email address and/or mobile phone number.
5. Choose if the recipient will receive an email and/or text message.
6. Create a security question and answer that only you and the recipient know.
7. Add a personal message (optional) but don't include the answer to the security question.
8. Select an account from which to make the transfer and enter the amount.
9. Send the Interac® e-Transfer (your account will immediately be debited the transfer amount plus any applicable fees).

Within approximately 30 minutes, the recipient will be notified that the payment has been made.

Receiving an Interac® e-Transfer: Step-by-Step

1. Ensure the link received via email or text message offers a secure connection that takes you to a site with the 'https' prefix, rather than 'http'.
2. Click on the link and you'll be taken to a secure Interac® website.
3. Follow the instructions on the site to select [name of FI] and click 'Deposit', and you'll be redirected to our online banking login screen.
4. Login to answer the security question and accept the transfer.
5. Select the account where you wish to deposit the money.

How to request money by INTERAC® e-Transfer

The request money feature by INTERAC® e-Transfer allows a individual or business to request money via their online banking account by email or text message. When the money is deposited, the ‘requestor’ receives a notification letting them know the money has been deposited.

1. Sign in to Online Banking and click on Transfers.
2. Click Request Interac e-Transfer.
3. Ensure you have a sender profile created and Recipient added.
4. Click the Request From dropdown and select the recipient you want to request the money from and complete the following:
   1. Amount
   2. Invoice #
   3. Invoice Due By
   4. Message
   5. Deposit to
5. Click Request

INTERAC® e-Transfer Autodeposit Feature

INTERAC® e-Transfer funds are able to be deposited directly into a designated account without having to answer any security questions. Members simply register their email address with Interac in order to take advantage of this feature.

1. Sign in to Online Banking and click on Transfers.
2. Click Send Interac e-Transfer.
3. Click
4. Enter your email and select the account you want to use with Autodeposit.
5. Click Register and click
6. An email will be sent to you for confirmation. Please check your mailbox and Click complete registration.