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INTERAC e-Transfer

Easy. Fast. Secure.

INTERAC e-Transfer® is a convenient way to send and receive money directly from one bank account to another. All you need is access to online or mobile banking, and you can send or request money to anyone with an email address or mobile phone number and a bank account in Canada — without sharing any personal financial information.

How to Set Up a Sender Profile and Recipient List

Before you can use the INTERAC e-Transfer service, you'll need to create a sender profile and recipient list.
Using internet banking:
  1. Sign in to internet banking on your tablet or desktop computer.
  2. From the menu options, click 'Transfers & Payments' > 'INTERAC e-Transfer®' > 'Profile settings'.
  3. On the Profile details, edit any contact information, if needed.
  4. Click 'Continue'.
  5. Review your information and click 'Confirm'.
  6. Your profile is now created.
Using the app:
  1. Sign in to the iOS or Android app
  2. Tap the three stacked lines on the top left of the screen to open the menu options.
  3. Go to 'INTERAC e-Transfer®' > 'Profile settings'.
  4. Edit any contact information, if needed.
  5. Click 'Continue'.
  6. Review your information and click 'Confirm'.
  7. Your profile is now created.

What you should know:

  • The email address that you have entered will be used to inform you when your transfer has been received or declined.
  • You can update your profile at any time using the same steps as list above.
After you have set up your profile, you can add contacts.

Using internet banking:
  1. Sign in to internet banking on your tablet or desktop computer.
  2. From the menu options, click 'Transfers & Payments' > 'INTERAC e-Transfer®' > Manage contacts'.
Using the app:
  1. Sign in to the iOS or Android app
  2. Tap the three stacked lines on the top left of the screen to open the menu options.
  3. Go to 'INTERAC e-Transfer®' > 'Manage contacts'.

    What you should know:

    • For your security, only you and the recipient should know the security question and answer. You can communicate this to the recipient by phone or in person for additional security.
    • You can edit a recipient's information at any time, or delete a recipient if you no longer need to send them money via INTERAC e-Transfer.

    How to Use INTERAC e-Transfer

    After you've created your profile and a contact, you can send an INTERAC e-Transfer transaction.

    1. Sign in to digital banking and select 'Transfers & Payments'.
    2. Select 'Send INTERAC e-Transfer'.
    3. Enter the amount of money you want to send and the account to withdraw from.
    4. Select the recipient from your recipients list. (See how to create a recipient above, if you have not already set this up.)
    5. Select to send via email, mobile or both.
    6. You can enter a short message for the recipient. This message should not contain the answer to the security question.
    7. Select 'Continue' to complete the transaction.

    What you should know:

    • If the recipient has not deposited the money that you sent to them by email, you can send them an email reminder on the 'Pending' page.
    • If the money you have sent has not been deposited by the recipient within 30 days, you will receive a notification with a link to deposit the funds back into your account.
    • Keep the password secret so that only you and the recipient know the answer.
    • Follow along with our interactive demo to learn how to add a contact and send an INTERAC e-Transfer

    Synergy Credit Union members can receive an INTERAC e-Transfer transaction. Money received by email will be deposited directly into your personal or business Synergy Credit Union account.

    1. Click or tap the link in the email or text notification indicating you have received a new INTERAC e-Transfer transaction.
    2. Skip over 'Find your Financial Institution' as this will not populate Synergy Credit Union.
    3. Select Province as 'Saskatchewan' first, then credit union as 'Synergy Credit Union'.
      TIP: If you are having issues finding 'Saskatchewan' or 'Synergy Credit Union', you can use the search function. Just enter 'Synergy Credit Union' in the search field.
    4. Log in to digital banking.
    5. Choose the Synergy Credit Union account into which you wish to deposit the money.

      What you should know:

      • You should have prior knowledge of an incoming e-Transfer. If you receive an INTERAC e-Transfer from someone you don't know, you do not have to accept the funds. If you know the sender but you aren't sure why you are receiving an e-Transfer, you should contact the sender to ensure the e-Transfer is legit.
      • Follow along with our interactive demo to learn how to accept an INTERAC e-Transfer

      You can cancel an INTERAC e-Transfer transaction before it has been deposited by the recipient.

      1. Log in to online banking and go to the 'Transfer section.
      2. Select 'Send INTERAC e-Transfer'.
      3. View the pending transactions towards the top of the page.
      4. Click 'Pending e-Transfer to view an INTERAC e-Transfer transaction that you have sent but has not yet been deposited.
      5. Click 'Cancel' to cancel the transfer and to deposit the money back into your account.

      What you should know:

      • The $1.50 service fee, if applied, will not be refunded when you cancel an INTERAC e-Transfer.
      • Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address before you send money.
      • Follow along with our interactive demo to learn how to cancel an INTERAC e-Transfer
      INTERAC e-Transfer is convenient. But for people waiting to be paid, it’s never fast or easy enough. That’s why there’s Autodeposit. It is a secure way to receive money without having to answer security questions for every transaction.

      To register for Autodeposit:
        1. Log into digital banking.
        2. Select 'Transfers & Payments' > 'INTERAC e-Transfer' > 'Autodeposit settings' > 'Add Autodeposit'
        3. Select from drop down registration Enter with email address or mobile phone number
        4. Select an account from the drop down
        5. Read and accept the acknowledgements.
        6. Confirm details
        7. Receive a one time pass code
        8. Enter one time pass code
        9. Confirmation screen that Autodeposit has been successfully added
        10. Receive notification from INTERAC to complete registration

        What you should know:

        • You can register up to 5 email addresses.
        • If you are no longer using an email address, remember to update your email addresses for Autodeposit in online banking.
        • You will need to set up the security question and answer for your recipients even if they have registered for Autodeposit.
        • If you are sending an INTERAC e-Transfer to a recipient who has Autodeposit, but would like to answer your security question, you should send the e-Transfer notification through text.

        Frequently Asked Questions

        An email and/or SMS text message notifying the recipient of their INTERAC e-Transfer transaction is sent about 30 minutes after the sender completes the INTERAC e-Transfer transaction. Once the recipient receives notification, they can complete the deposit process, usually within just a few minutes of the transfer being sent!

        NOTE: If your recipient’s Financial Institution does not subscribe to the INTERAC e-Transfer service, they can still deposit their funds using the Acxsys Transfer process. This method of depositing an INTERAC e-Transfer transaction generally takes 3-5 business days, although it may take longer.

        Acxsys Corporation powers the INTERAC e-Transfer service for the participating financial institutions. Acxsys Corporation facilitates the e-mail notice process and maintains the INTERAC e-Transfer service database.
        If you have been notified of an undeliverable INTERAC e-Transfer transaction due to an incorrect e-mail address, you can readdress and resend the transfer. Just:
        • Edit your recipient information to include the valid email address.
        • Select the Resend Notification from the Pending Transfer screen.
        • Click Confirm.
        An email notice will be resent to the recipient's valid email address.
        If you provided an invalid email address, you will be notified via email that the transfer notification was undeliverable. You can readdress and resend the transfer or cancel the pending transfer and the original amount (less the service charge) will be credited back to your account.

        If you provided an invalid email address, but did provide a valid mobile phone number, you will not be notified by email that the transfer was undeliverable.

        If you have provided an invalid mobile phone number and chose to notify your recipient by mobile phone only, you will not be notified in any way that the SMS text message did not go through.

        If you provided an incorrect email address however it was valid (meaning that it went to someone you had not intended), it will be delivered. The funds can only be accepted if the recipient is able to answer your security question. Having a very strong, hard to guess or research answer to your security question is an important step in securing your transfer.
        The recipient will receive email or SMS reminder of the outstanding transfer 7 days after it has been sent, then again at 14, 21 and 28.

        After 30 days, the transfer will expire and the recipient will no longer be able to deposit the funds. At that time the sender will be notified and can cancel the expired transfer to redeposit the funds.
        The security question verifies the recipient’s identity and protects your funds from being received by the wrong person. The question must be answered correctly in order to complete the deposit process. It is the sender’s responsibility to create a security question and answer known only to the recipient.

        Guidelines for the security answer:
        • The answer must be one word.
        • The answer must not contain any blank spaces.
        • The answer is not case sensitive and letters and/or numbers are accepted.
        • The answer cannot contain special characters (i.e., &, $, etc.).
        • The answer should be kept strictly confidential between the sender and recipient.
        • The security question and/or answer must not be included in the optional message attached to the
        • INTERAC e-Transfer transaction.
        Want to learn more? Visit:
        The sender will be notified by email when an INTERAC e-Transfer transaction cannot be completed because:
        • The recipient declined the transfer.
        • The 30-day time period for the recipient to claim the transfer has expired.
        • The email address you entered for your recipient is invalid.
        • The recipient was unable to answer the security question.
        • Once the sender receives this notification, they can follow the links in the message to cancel and re-deposit the funds. Service charges are non-refundable.
        There are several error messages which can be generated while using the INTERAC e-Transfer service, which may include the following:
        • Exceeds sending or receiving limits - per transaction, per day, per week (rolling total) or per month (rolling total).
        • The account you are attempting to send from or deposit to is restricted from use with this feature.
        • The communication between online banking and your credit union’s banking system has timed out.
        • For assistance with these issues, please contact us at 1-866-825-3301 and we would be pleased to assist you.
        You will receive a notification by email every time you receive funds through the Autodeposit feature, letting you know that money has been deposited into your designated account and the details associated with the transfer (from who and any messages provided by the sender).
        Transfers can only be cancelled if they haven't been deposited. To cancel an INTERAC e-Transfer transaction, you need to login to your online banking account and locate the transfer in the INTERAC e-Transfer Pending Transfers or Transfer History list. If the transfer doesn't have a 'cancel' link beside it then the deposit has completed and can no longer be cancelled.

        ®Trademark of Interac Inc. Used under license.

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