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INTERAC® e-Transfer

Interac logo

Send Money Anytime, Anywhere

Easy. Fast. Secure.

Everything you need to know about Interac e-Transfers?

Important: Make sure the security answer isn't obvious - and don't share it in the Interac e-Transfer notification message.


If you have an INTERAC e-Transfer profile already set up, just sign into Crossroads Credit Union Digital 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 digital banking on desktop/tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer®.
4. Click ‘Profile Settings’.
5. You will be asked to confirm your information – name, email, mobile phone.
6. Click ‘Continue’.
7. Enter the one-time password you receive via text or email address.
8. Click ‘Continue’.

Mobile App:

1. Sign in to digital 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’.
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 an 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.
Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer®.
4. Click ‘Manage Contacts’.
5. Click the + Icon at the top right-hand corner of the screen.
6. Enter the name of the person you wish to add.
7. Enter their email address/mobile phone 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’.

Mobile App:

1. Sign in to digital 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/mobile phone 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 by 'Manage Contacts'.
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 now send an INTERAC e-Transfer transaction by following these simple steps.

Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer®.
4. Click ‘Send Money’'.
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’.

Mobile App:

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

When receiving an INTERAC e-Transfer for the first time in the new Digital Banking platform and if you had received INTERAC e-Transfers previously, you may be presented with the Crossroads CU name and logo. If this is the case, please follow these steps:

1. Bypass selecting Crossroads/clicking on the logo
2. Scroll down to “Select a different financial institution”.
3. Select Crossroads Credit Union from the list.

The reason for this is due to your device remembering where to go, which is the old platform that is no longer there.
Once you complete this process for the first time, your device should remember where to go (which is the new digital banking) and you will not have to repeat these steps.
You can cancel an Interac e-Transfer transaction before it has been deposited by the recipient.

Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to 'Transfers & Payments'.
3. Under Interac e-Transfers, 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 digital 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 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 mobile phone number before you send money.
Note:  You can now set up Autodeposit for your email address AND your mobile phone number.

Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer®.
4. Click ‘Autodeposit Settings’.
5. Click 'Add Autodeposit'.
6. Under Register With input the mobile phone 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.

Mobile App:

1. Sign in to digital 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 mobile phone 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.

Outgoing e-transfer limits:

$6,000

Per Transfer

$10,000

Per Day

$10,000

Per Week

$20,000

Per Month

Incoming e-transfer limits:

$25,000

Per Transfer

No limit

Per Day

No limit

Per Week

No limit

Per Month

INTERAC e-Transfer Autodeposit

Enjoy the added security and ease of Autodeposit and you can manage it whenever you want in your settings.

  1. Log into your online banking or mobile app.
  2. Look for Autodeposit in the Interac e-Transfer section.
  3. Register your email address and mobile phone number and link the account.
  4. Click "Complete Registration" in the confirmation email.

FAQ's

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 database.

An e-mail and/or SMS text message notifying the recipient of their INTERAC e-Transfer is sent immediately after the sender completes the INTERAC e-Transfer. 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 generally takes 3-5 business days, although it may take longer.

If you provided an invalid e-mail address, you will be notified via e-mail 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 e-mail address, but did provide a valid mobile phone number, you will not be notified by e-mail 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.

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.

The sender will be notified by e-mail when an INTERAC e-Transfer 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. (See FAQ #3)
  • 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 feature, 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 our Virtual Branch at 1.877.535.1299.

Looking for more information? Visit the INTERAC e-Transfer ​homepage or contact us.
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