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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 mobile phone – 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.
  • With Instant Transfer, members can now send up to $500 in a 24-hour period instantly - this means no wait period for the recipient.  

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 an Interac 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.

Interac e-Transfer® Send & Receive Limits:


Personal Account
Sending Limits:

Send Limit
Amount
Per transaction
 $6,000
Per Day
 $10,000
Per Week
 $10,000
Per Month
 $20,000
Per Instant Transfer
 $500


Personal Account
Receiving Limits:

Receive Limit
Amount
PER TRANSACTION
 $25,000

Business Account
Sending Limits:

Send Limit
Amount
Per transaction
 $10,000
Per Day
 $20,000
Per Week
 $30,000
Per Month
 $40,000
Per Instant Transfer
 $500


Business Account
Receiving Limits:

Receive Limit
Amount
PER TRANSACTION
 $25,000
*Note: Members must login with their business username and password to utilize business Interac e-Transfer® limits.  If logged in with a personal account and sending money from a "linked" business account, then personal Interac e-Transfer® limits will apply.

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.

Maximum amount per request is $3,000 for both personal and small business accounts. 

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®

If you have an Interac e-Transfer® profile already set up, just sign into Unity Credit Union online banking, and you will be able to send and receive e-Transfer transactions.

If you do not have an Interac e-Transfer® profile created, follow these steps:

Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer® click ‘Profile Settings’.
4. You will be asked to confirm your information – name, email, cellphone.
5. Click ‘Continue’.
6. Enter the one-time password you receive via text or email address.
7. Click ‘Continue’.

Mobile App
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®​’ at the top right corner.
4. Tap ‘Profile Settings’.
5. Click ‘Continue’.
6. Verify your details and click ‘Continue’.
7. Enter the one-time password you receive via text or email address.
8. Click ‘Continue’.
Sending money by Interac e-Transfer® is quick and easy.  First, you will need to set up a user profile and a recipient list.  Once that is completed, you can send an Interac e-Transfer® transaction by following these simple steps.

Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer® click ‘Send Money’'.
4. At the top, select the account you wish to send from.
5. Select the contact you want to send money to from the dropdown menu.
6. Enter the amount.
7. Add an optional message if you like.
8. Click ‘Continue’.
9. Confirm details.
10. Click ‘Continue’.

Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap Interac e-Transfer® at the top right corner.
4. Tap ‘Send’.
5. At the top, select the account you wish to send from.
6. Select the contact you want to send money to from the dropdown menu.
7. Enter the amount.
8. Add an optional message if you like.
9. Click ‘Continue’.
10. Confirm details.
11. Click ‘Continue’.
Note:  You can now set up Autodeposit for your email address AND your cellphone number.

Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac® e-Transfer click ‘Autodeposit Settings’.
4. Click 'Add Autodeposit'.
5. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
6. Agree to the acknowledgement and click ‘Continue’.
7. Confirm your autodeposit details and click ‘Continue’.
8. Enter the one-time password you receive via text or email address.
9. Click ‘Continue’.
10. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.

Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘Autodeposit Settings’.
5. Click the + icon at the top right hand corner of the screen.
6. Under Register With, input the cellphone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgement and click ‘Continue’.
8. Confirm your autodeposit details and click ‘Continue’.
9. Enter the one-time password you receive via text or email address.
10. Click ‘Continue’.
11. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac® e-Transfer click ‘Request money’.
4. Fill in the required fields for the contact you wish to request money from.
5. Select the account to deposit the money into.
6. Check the box that you have obtained consent from the member to request money.
7. Click ‘Continue’.
8. Confirm the details entered are correct, and then click ‘Continue’.

Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘Request’.
5. Fill in the required fields for the contact you wish to request money from.
6. Select the account to deposit the money into.
7. Check the box that you have obtained consent from the member to request money.
8. Click ‘Continue’.
9. Confirm the details entered are correct, and then click ‘Continue’.
Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer® click ‘Manage Contacts’.
4. Click the + Icon at the top right-hand corner of the screen.
5. Enter the name of the person you wish to add.
6. Enter their email address/cellphone number.
7. Select language preference – defaulted to English.
8. Select the notification method using the drop-down menu.
9. Enter the security question and the answer.
10. Re-enter the answer to the security question.
11. Click ‘Continue’.
12. Confirm the details of the contact added.
13. Click ‘Continue’.
14. Enter the one-time password you receive via text or email address.
15. Click ‘Continue’.

Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap Interac e-Transfer® at the top right corner.
4. Click ‘Manage Contacts’.
5. Click ‘Add contact’.
6. Enter the name of the person you wish to add.
7. Enter their email address/cellphone number.
8. Select language preference – defaulted to English.
9. Select the notification method using the drop-down menu.
10. Enter the security question and the answer.
11. Re-enter the answer to the security question.
12. Click ‘Continue’.
13. Confirm the details of the contact added.
14. Click ‘Continue’.
15. Enter the one-time password you receive via text or email address.
16. Click ‘Continue’.


Note: 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 under 'Manage Contacts'.
Unity Credit Union members can receive an Interac e-Transfer® transaction.

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 Unity Credit Union.
3. Select Province as 'Saskatchewan' first, then credit union as 'Unity Credit Union'.
4. Click or tap 'Deposit'.
5. Sign in to Online Banking via the app, mobile web, or desktop. Choose the Unity Credit Union account into which you wish to deposit the money.

If you have accepted an Interac e-Transfer® on our new Online Banking platform (after July 12, 2022), the next time you receive an Interac e-Transfer®, you can click on the Unity Credit Union logo within the email to deposit the money into your Unity Credit Union account.
You can cancel an Interac e-Transfer® transaction before it has been deposited by the recipient.

Online Banking:
1. Sign in to online banking on a desktop computer or tablet.
2. Go to 'Transfers & Payments'.
3. Under Interac e-Transfer®, select 'History'. Pending transactions can be viewed here.
4. Select Cancel (red X). Click 'Continue'.
5. Confirm cancel transaction details and click 'Continue'.
6. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from.


Mobile App:
1. Sign in to online banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘Interac e-Transfer®’ at the top right corner.
4. Tap ‘History’.
5. At the top tap ‘Pending Transactions’.
6. Tap the Interac e-Transfer® you would like to cancel.
7. Select ‘Cancel’ (X).
8. Tap ‘Continue’.
9. Confirm cancel transaction details and click 'Continue'.
10. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from.

Note: Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address or cellphone number before you send money.
Instant Transfers allow Unity Credit Union members to send money instantly, without any delay. 

Limits:
Maximum amount per Instant Transfer (24-hour rolling limit): $500
Maximum amount per Instant Transfer with history*: $3,000

*If there is an established relationship between the sender and receiver where several Interac e-Transfer® transactions have successfully gone through over a period of time, the limit may increase to $3,000.  
An email 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.

Any transfers sent by Unity Credit Union members for $500 or less will be sent instantly, without any delay.  The limit for Instant Transfers is $500 within 24 hours.

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.

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 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 redeposit the funds.
The recipient will receive an email or text message reminder of the outstanding transfer 7 days after it has been sent, then again at 14, 21 and 28 days. 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.

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 day, a week or a month.
  • The account you are attempting to send from or deposit to is restricted from use with this feature. 
  • For assistance with these issues, please contact us
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