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Interac e-Transfer®
FREE for all Unity Credit Union members

Send money quickly and securely with Interac e-Transfer®

All you need is your recipient’s email address or mobile phone number to send money in just a few quick and easy steps.

Why send money using Interac e-Transfer®?

  • This service is FREE for all Unity Credit Union members.
  • Make or receive a transfer from anywhere at any time using your computer or Smartphone – this service is available in Online Banking and is available 24 hours a day, 7 days a week.
  • No need to wait for the transfer to be approved – your recipient can access the funds quickly and easily.  The transfer takes place in 30 minutes or less.


What do you need to send an Interac e-Transfer®?

  • Your recipient’s email address or mobile phone number.
  • An active account with Unity Credit Union, with Online Banking enabled.  You will need to create a User Profile in Online Banking  - see the FAQ's below.
  • A computer to use the desktop version of Online Banking, OR a tablet or mobile phone with the Unity Credit Union Mobile App installed.

Send Limits:

Send Limit
Amount
Per transaction
$3,000
Per Week
$10,000
Per Month
$20,000

Receive Limits:

Receive Limit
Amount
PER TRANSACTION
$25,000

Request funds from your customers or friends:

The Request Money feature allows you to ask someone for the money they owe you.  When you send a request for money, the recipient is notified instantly and can accept the request and send money via their Unity Credit Union banking account.  If accepted, the requested amount will automatically be deposited into your account and you will be notified when the funds are available. 

See instructions on how to Request Money in the FAQ section below.


Get your funds faster with Autodeposit:

The Autodeposit feature allows the money you have been sent (via Interac e-Transfer®) to be automatically deposited directly into your bank account, without having to login to Online Banking or answer security questions.  

See instructions on how to register in the FAQ section below.

Have Questions?
Here are some How To's and FAQs for Interac e-Transfer®

Note: Before you send your first Interac e-Transfer®, you will need to set up your sender user profile and add your recipient.

  1. Login to your Unity Credit Union Union Online Banking.
  2. Navigate to the ‘Transfers’ tab and select 'Send INTERAC e-Transfer®'.  You can also login on the Mobile App and click on the ‘INTERAC e-Transfer®’ icon.
  3. Transfer to  - Select the recipient from your recipients list .
  4. Send By  - Select  the method you wish to use to notify the recipient of the transfer (email, mobile phone or both).
  5. Transfer From - Select the account the funds will come from.
  6. Amount  - Enter the amount of money you want to send.
  7. Message  - You can enter a short message for the recipient. This message is optional and should not contain the answer to the security question. 
  8. Click 'Send Transfer' to complete the transaction.
  9. Done! The funds will be debited from your account immediately.

Your recipient will receive notification that you have sent them an Interac e-Transfer®.  They will need to follow the links provided in the email or text message to deposit their funds. Once they have answered the security question correctly, they can deposit the funds immediately.

How to sign up using Online Banking:

  1. Login to your Unity Credit Union Union Online Banking.
  2. Select ‘Transfers’ from the side menu.
  3. Select ‘Send INTERAC e-Transfer®’ from the side menu.
  4. Select ‘Autodeposit’ from the top menu.
  5. Select the email address and account you want the money deposited into.
  6. Confirm your email address: You will receive an email from Unity Credit Union Limited - Click the 'complete registration button.


​If you’re using the Unity Credit Union Mobile App:

  1. Login using your fingerprint, Face ID, or PAC.
  2. Select ‘INTERAC e-Transfer’ from the menu.
  3. Select 'Settings' in the top right.
  4. Select ‘Autodeposit’ from the list.
  5. Add your email, and follow the on-screen instructions.
  6. Confirm your email address: You will receive an email from Unity Credit Union Limited - Click the 'complete registration' button.

To Request Money using Online Banking:

  1. Login to your Unity Credit Union Union Online Banking.
  2. Select ‘Transfers’ from the side menu.
  3. Select ‘Request Interac e-Transfer' from the side menu.
  4. Fill in the required fields.
  5. Click 'Request'.


If you’re using the Unity Credit Union Mobile App:

  1. Login using your fingerprint, Face ID, or PAC.
  2. Select ‘INTERAC e-Transfer®’ from the menu.
  3. Select 'Request' from the top menu.
  4. Fill in the required fields and click 'continue'.
  5. Click 'confirm'.
  1. Login to your Unity Credit Union Online Banking and go to 'Transfers' located on the left-hand side navigation.
  2. Under Transfers, select Send INTERAC e-Transfer. 
  3. A new screen will appear, select Create INTERAC e-Transfer Profile. 
  4. Enter your first and last name, mobile phone number (if applicable) and your email address. 
  5. Click Continue. 
  6. Your profile is now created!
  1. Go to the 'Transfer' tab in Online Banking.
  2. Select Add/Delete Recipients.
  3. Select Add a Recipient.
  4. Enter the following:
    1. Name – Enter recipient's first and last name.
    2. Email – Enter recipient's email address.
    3. Mobile Phone Number – Enter recipient’s mobile phone number (if applicable).
    4. Preferred language  Enter language that recipient will want to receive the email in.
    5. Transfer By – Enter the method you would like to use to send notifications (mobile phone, email or both).
    6. Security Question – Enter a security question the recipient will need to answer in order to receive the funds.
    7. Answer – Enter a single-word answer to the question – the recipient’s answer will need to match exactly in order to receive the funds.
  5. ​Click Add Recipient. 
  6. After verifying that the recipient's information is correct, click 'Confirm'.
  1. Click the link in the email or text notification indicating you have received a new INTERAC e-Transfer®. You will be directed to Acxsys Corporation website. Acxsys Corporation facilitate the e-mail notice process and maintain the INTERAC e-Transfer service.
  2. Select 'Saskatchewan' and 'Unity Credit Union' from the credit union dropdown list.
  3. Click 'Deposit' and you will be redirected to Unity Credit Union's Online Banking website.
  4. Login to Online Banking and enter the answer to the security question (discussed with the person sending you an Interac e-Transfer®).
  5. Choose the Unity Credit Union account that you wish to deposit the money into.
  1. Login to your Unity Credit Union Union Online Banking and click the 'Transfer' tab.
  2. Select 'Send INTERAC e-Transfer'.
  3. Click 'Pending e-Transfer' to view an INTERAC e-Transfer that you have sent but has not yet been deposited.
  4. Click 'Cancel' to cancel the transfer and to deposit the money back into your account.
An e-mail and/or 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!

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 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 text message did not go through.

If you have been notified of an undeliverable Interac e-Transfer®  transaction due to an incorrect email address, you can readdress and resend the transfer. All you need to do is:

  • 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.

The recipient will receive email or text message 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.

The sender will be notified by e-mail 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 e-mail 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 redeposit the funds.

There are several error messages that can be generated while using the Interac e-Transfer® service, which may include the following:

  • Exceeds sending / receiving limits, for a single transaction, a week or a month.
  • The account you are attempting to send from or deposit to is restricted from use with this feature. 
  • The communication between Internet Banking and your credit union’s banking system has timed out. 
  • For assistance with these issues, please contact us and we would be pleased to assist you.
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