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Interac® Products

Transfer money directly from one account to another account with an email address or mobile phone number.

® Trade-mark of Interac Inc. Used under license.

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Interac e-Transfer Autodeposit


What is Interac e-Transfer Autodeposit?

Autodeposit allows Interac e-transfers to be directly deposited into the member’s account, without the member having to log into their e-Caisse account, select an account and answer a security question.

How does Autodeposit work?

When a member sets up Autodeposit for Interac e-transfers by email or text, the sender will be notified that the recipient has signed up for Autodeposit and will not need to respond to a security question to receive the deposit. The sender will need to authorize the transaction to continue sending the Interac transfer.

How to register for Autodeposit – using the Caisse Mobile App

Log on to the Caisse Financial Group mobile application. On the main menu:

  • Select the e-Transfer icon
  • Click Settings
  • Click Autodeposit
  • Click Add Email (automatic deposit can only be configured using an email address)
  • Enter your email address
  • Select the account you want Interac transfers to be deposited into
  • Check both authorization boxes
  • Click Update

You will receive confirmation that the update was successful. You will also receive an email and need to click the link provided in it, in order to complete the process.

*Note that Autodeposit will not be available until the email verification process has been completed. The email link is only valid for 24 hours. When you receive the verification email, you will need to click Complete Registration.

How to cancel the Autodeposit – using the Caisse Mobile App

To cancel Autodeposit, you need to follow these easy steps :

Log on to the Caisse Financial Group mobile application. On the main menu :

  • Select the e-Transfer icon
  • Click Settings
  • Click Autodeposit
  • Click Delete Email
  • Click the little red icon to the right of your email address
  • When prompted Are you sure you want to delete this email address?, click Yes

You should receive an email informing you that Autodeposit is no longer active on your account.

How to register for Autodeposit – using e-Caisse

Log in to e-Caisse:

  • Click the Transfers tab
  • Click the Interac e-Transfer box
  • Click Go
  • A new web page will open. In the horizontal menu at the top of the page, click Autodeposit
  • Click Add Email (automatic deposit can only be configured using an email address)
  • Enter your email address
  • Select the account in which you want Interac transfers to be deposited into
  • Check both authorization boxes
  • Click Register

You will receive confirmation that the update was successful. You will also receive an email and need to click the link provided in it, in order to complete the process.

*Note that Autodeposit will not be available until the email verification process has been completed. The email link is only valid for 24 hours. When you receive the verification email, you will need to click Complete Registration.

How to cancel the Autodeposit – using e-Caisse

To cancel Autodeposit, you need to follow these easy steps:

Log in to e-Caisse. In the main menu:

  • Click the Transfers tab
  • Click the Interac e-Transfer box
  • Click Go
  • A new web page will open. In the horizontal menu at the top of the page, click Autodeposit
  • A blue box will appear with your personal information such as your email address and account number. Click the trash can icon.
  • Confirm the deletion of your email address by clicking the Delete button

You should receive an email informing you that Autodeposit is no longer active on your account.

Request Money


What is Interac Request Money?

Interac Request Money is a feature that allows a person or business to request funds by email or text from another individual.

How does Interac Request Money work?

Both the requester and the sender (“individual”) must have access to their financial institution’s online banking service to use the Interac Request Money service.

Interac Request Money can only be made in Canadian funds between Canadian funds accounts at financial institutions in Canada.

To request funds using Interac services, the requester does not need to know the individual’s financial institution or banking information; only their email address or mobile phone number. Within minutes, the individual is notified by email and/or text that a request for Interac funds has been sent to them. Once they accept the request, the funds are transferred to the requester’s account.

Funds can be requested from person-to-person, person-to-business, business-to-person or business-to-business.

How to submit an Interac Request Money – using the Caisse Mobile App

To send a Request Money via the Mobile App, you will need:

  • Access to the Caisse Mobile Application
  • A checquing or savings account at Caisse (in Canadian currency)
  • The individual’s email address or mobile phone number (the individual must have a Canadian currency account at a financial institution in Canada)

Connect to the Caisse Financial Group Mobile App. In the main menu:

  • Select the Interac e-Transfer icon
  • Click the Request button
  • Select a recipient
  • Select an account
  • Enter the desired amount
  • You can add a note, an invoice number and an invoice due date (optional)
  • Check the box for the Terms of Application Agreement
  • Click Continue
  • Click Confirm

After you complete the Interac Request Money (which takes only a few minutes), the request is sent to the other individual in less than 30 minutes, if not immediately.

*If you do not have access to e-Caisse, visit your local branch to register.

How to send a Request Money – using e-Caisse

To send a Request Money via e-Caisse, you will need:

  • Access to e-Caisse
  • A chequing or savings account at Caisse (in Canadian currency)
  • The individual’s email address or mobile phone number (the individual must have a Canadian currency account at a financial institution in Canada)

The first time you submit an Interac Request Money, you will be prompted to create your “Sender Profile”.

This information will be used by Interac to carry out your various Interac transactions (e-Transfers, Request Money, Autodeposit).

Enter your name, email address, mobile phone number (optional) and your preferred method of receiving Interac e-Transfer notifications or Request Money (text and/or email).

To update your Sender Profile: click on Add/Remove a recipient and choose the option Modify my sender profile.

To send a Request Money, log into e-Caisse. In the main menu:

  • Select the Transfers tab
  • Click the Interac e-Transfer box
  • Click Go
  • A new web page will open. In the left menu, click Request funds by transfer
  • From the drop-down menu, choose an existing recipient or Add a new recipient
  • Enter the required information for the Request Money
  • You can add an invoice number, an invoice due date or a message (optional)
  • From the drop-down menu, choose the account you want the money to be deposited into
  • Click Request
  • Click Confirm

After you complete the Interac Request Money (which takes only a few minutes), the request is sent to the other individual in less than 30 minutes, if not immediately.

*If you do not have access to e-Caisse, visit your local branch to register.

How to check the status of requests for funds Interac – using the Caisse Mobile App

To check the current Interac Funding Requests from the mobile app, you must:

  • Open your Caisse Financial Group Mobile App
  • Select the Interac e-Transfer icon
  • Click the Pending button
  • View your various pending requests
  • Note that you can edit, delete or resend the request.

All active Request Money or Interac e-Transfers will be displayed.

How to check the status of Interac funds requests – using e-Caisse

To verify ongoing Interac Funding Requests from e-Caisse, you must:

  • Open your e-Caisse session
  • Select the Transfers tab
  • Click the Interac e-Transfer box
  • Click on Go
  • A new web page will open. In the left menu, click on Show/Resend/ Cancel-Pending Funds Transfer
  • A box will appear with your requests. You can view the status of the request and resend the notice if necessary

All pending Interac Request Money or Transfers will be displayed.

How to verify an Interac Request Money made – using e-Caisse

To verify Interac Request Money made from e-Caisse, you must:

  • Open an e-Caisse session
  • Click the Transfers tab
  • Click the Interac e-Transfer tab and press Go
  • Click on Search fund transfer history (in the left menu)

All Request Money or e-Transfers Interac made in the last 2 years will be displayed.

How to cancel an Interac Request Money – using e-Caisse

You can cancel an Interac Request Money if the individual has received the notification but has not yet sent the funds. If funds have been deposited into your account, the Interac funds request cannot be canceled. Please note: You do not have to accept the funds once they have been sent. They will automatically be deposited.

To cancel an Interac Request Money made from the Mobile App, you must:

  • Select the Interac e-Transfer icon
  • Click the Pending button
  • Choose the transaction you want to cancel
  • Click the small red icon
  • Click the Confirm button

The recipient will receive a message stating that a Request Money to them has been canceled.

How to decline an Interac Request Money

The beneficiary has the option of not sending the requested amount of money. If you receive a Request Money and do not want to send the money for personal reasons, you can simply ignore the message.

Interac e-Transfer


What is an Interac transfer?

An Interac e-Transfer allows a person or business to send money by email or text to another individual.

How does the Interac transfer work?

The sender and recipient must have access to their financial institution’s online banking service to use the Interac e-Transfer service.

Interac Transfers can only be made in Canadian funds between Canadian funds accounts at financial institutions in Canada.

To send funds using Interac e-Transfer, the sender does not need to know the recipient’s financial institution or bank details; only their email address or mobile phone number. In a few minutes, the recipient is notified by email and/or text that an Interac transfer has been sent to them. Once they accept it, the funds are transferred to their account.

Funds can be transferred from person-to-person, person-to-business, business-to-person or business-to-business.

Mobile App FAQ :

To send an Interac e-Transfer via the mobile app, you will need:
• Access to the Caisse mobile application
• A chequing account or savings account at the Caisse (in Canadian currency)
• The receiver's email address or mobile phone number (the individual must have a Canadian currency account at a financial institution in Canada)

The first time you send an Interac e-Transfer, you will be prompted to create your "Sender Profile".

This information will be used by Interac to carry out your various Interac transactions (e-Transfer, requests for funds, automatic deposit).

Enter your name, email address, mobile phone number (optional) and your preferred method of receiving Interac e-Transfer notifications (text and/or email).

To update your Sender Profile: click on Add/Remove a recipient and choose the option Modify my sender profile.

You cannot specify the date on which you want to transfer the funds. The Interac e-Transfer will be sent in 30 minutes or less on the same day you complete the transaction.

Open the Caisse Financial Group mobile application. On the main menu:
• Click the Interac e-Transfer icon
• Select a recipient
• Select an account
• Enter the desired amount
• You can add a note, an invoice number and an invoice due date (optional)
• Click Continue
• Click Confirm

After you complete the Interac e-Transfer (which takes a few minutes), the request is sent to the other individual in less than 30 minutes, if not immediately. When the recipient accepts the e-Transfer, you will receive a notification by email from catch@payments.interac.ca and/or by text from 1 00001 depending on the preferences selected in your Sender Profile. You can also check in the VIEW/NEW SEND/CANCEL PENDING FUND TRANSFERS tab, and the status of the Interac e-Transfer will be changed to "Recipient has been notified".

If the recipient hasn't received an email after 30 minutes, they should check their Spam folder.

The recipient will click on the link, log into their online banking service, follow the directions, and answer the security question to receive the funds.

If the recipient does not answer the security question correctly, you will receive an email and/or text with instructions for depositing the funds into your account.

When funds are deposited by the recipient, you will be notified by email from catch@payments.interac.ca and/or by text from 1 00001 depending on the preferences selected in your Sender Profile.

*If you do not have access to e-Caisse, visit your local branch to register.
To receive an Interac e-Transfer via the mobile app, you will :

Receive an email or text message from the sender.

The email should always come from notify@payments.interac.ca with the following subject: "Interac e-Transfer: (sender's name) sent you funds"

The text should always come from 1 00001 with the following message:
"Interac e-Transfer: (sender's name) sent you money. "

If you were expecting an Interac e-Transfer and you did not receive a notification within 30 minutes of sending it, check your Spam folder. If you were not expecting an Interac e-Transfer from the sender, please confirm with him or her directly before accepting the e-Transfer.

• Open the email or text message
• Click the link in the text or on Deposit funds in the email. A new web page will open.
• Click Caisse Financial Group's logo. If the Caisse Financial Group logo is not displayed, do not select "Choose a financial institution", select Choose province or territory and choose Manitoba from the list.
• Click Choose a Credit Union and choose Caisse Financial Group from the list.
• Click the Deposit button
• A pop-up will appear asking you to make the following selection:
Receive transfers using the: App this time only, App every time or Mobile website. We recommend you choose App every time .
• The Caisse mobile application will automatically open. Enter your personal password to log in and answer the security question. Please note that the answer does not distinguish upper/lower case. If the answer is a date, the format to use is: dd-mm-yyyy (ex: 22-03-2011). Make sure you know the answer. After 3 unsuccessful attempts, you will be blocked.
• Choose the account in which you want to deposit the funds and make sure that the Accept button is selected and in blue (at the top of the page)
• Optional - You can add a message for the sender
• Click Continue then click Deposit to accept the Interac e-Transfer.

The funds will be deposited into your account. A receipt for the Interac e-Transfer will be displayed.

The sender will be notified that the Interac e-Transfer has been accepted by text message from 1 00001 and/or by email from catch@payments.interac.ca.
To verify current Interac transfers from the mobile application, you must:
• Open your Caisse Financial Group Mobile App
• Select the Interac e-Transfer icon
• Click on the Pending button
• View your various current requests
• Note that you can modify, delete or resend the request.

All current Interac e-Transfers or Requests will be displayed.
You can cancel an Interac e-Transfer if the recipient has received the notification but has not yet deposited the funds. If the funds have been deposited into their account, the Interac money transfer cannot be canceled.

To cancel an Interac e-Transfer made from the Mobile App, you must:
• Select the Interac e-Transfer icon
• Click the Pending button
• Choose the transaction you want to cancel
• Click the little red icon
• Click the Confirm button

The recipient will receive a message that an e-Transfer sent to them has been canceled. The funds will be deposited into the account from which they were withdrawn (net of the service charge which is non-refundable).
It is your choice whether or not to accept sent funds. If you receive an e-Transfer and do not want to receive funds for personal reasons, you can simply ignore the message.

 

FAQ for e-Caisse:

To send a e-Transfer via e-Caisse, you will need:
• Access e-Caisse
• A chequing account or savings account at Caisse (in Canadian currency)
• The individual's email address or mobile phone number (the individual must have a Canadian currency account at a financial institution in Canada)

The first time you send an Interac e-Transfer, you will be prompted to create your "Sender Profile".

This information will be used by Interac to carry out your various Interac transactions (e-Transfers, Money Request, Autodeposit).

Enter your name, email address, mobile phone number (optional) and your preferred method of receiving Interac transfer notifications (text and/or email).

To update your Sender Profile: click on Add/Remove a recipient and choose the option Modify my sender profile

You cannot specify the date on which you want to transfer the funds. The Interac transfer will be sent in 30 minutes or less on the same day you complete the transaction.

To send a e-Transfer, log into e-Caisse. On the main menu:
• Select the Transfers tab
• Click on the Interac e-Transfer box
• Click on Go
• A new web page will open. In the 'Transfer to' drop-down menu, select a recipient or Add a new recipient
• Send an Interac e-Transfer to an existing recipient: Choose the recipient from the list and complete the information required for the transfer.
• Send an Interac transfer to a new recipient:
1) Click on Add a new recipient (under Transfer to).
2) Enter the information for the new recipient. You must also create a security question and a security answer that only the recipient knows about.
*** The security response should only be a word 6 to 25 characters long, with no spaces or special characters. There is no upper / lower case distinction in the response and it can contain letters and numbers. If the response is a date, the format to use is: dd-mm-yyyy (eg: 03-22-2011).
3) Click on the Add recipient button
4) Check the information and click Confirm
5) Make sure the recipient knows the answer to the security question.

If the recipient does not answer the question correctly, you will receive an email and/or text message with instructions on how to claim your funds and deposit them into your account.
You can delete the recipient or change their information at any time.
Each time you change a recipient's profile, the answer to the security question must be entered again. If you change the answer, please let the recipient know.

• Enter the required information for the Interac transfer.
• You can add an invoice number, an invoice due date or a message (optional)
• In the drop-down menu, choose the account in which you want the money to be taken
• Click on Send a transfer
• Click Confirm

Warning: For security reasons, it is important to close your browser and return to e-Caisse to disconnect.

After you complete the Interac e-Transfer (which takes a few minutes), the request is sent to the other individual in less than 30 minutes, if not immediately. When the recipient accepts the transfer, you will receive a notification by email from catch@payments.interac.ca and/or by text from 1 00001 depending on the preferences selected in your Sender Profile. You can also check in the VIEW / NEW SEND / CANCEL PENDING FUND TRANSFERS tab, the status of the Interac transfer will be changed to "Recipient has been notified".

If the recipient hasn't received an email after 30 minutes, they should check their Spam folder.

The recipient will click on the link, log into their online banking service, follow the directions, and answer the security question to receive the funds.

If the recipient does not answer the security question correctly, you will receive an email and/or text with instructions for depositing the funds into your account.

When funds are deposited by the recipient, you will receive notification by email from catch@payments.interac.ca and/or by text from 1 00001 depending on the preferences selected in your Sender Profile.

* If you do not have access to e-Caisse, visit your service center to register.

To update your Sender Profile: click on Add / Remove a recipient and choose the option Modify my sender profile.

You cannot specify the date on which you want to transfer the funds. The Interac transfer will be sent in 30 minutes or less on the same day you complete the transaction.
To receive an Interac e-Transfer via the mobile app, you will :

Receive an email or text message from the sender.

The email should always come from notify@payments.interac.ca with the following subject: "Interac e-Transfer: (sender's name) sent you funds"

To verify the email address, hover the mouse over the Sender's name and the originating address will be displayed.

The text should always come from 1 00001 with the following message:
"Interac e-Transfer: (sender's name) sent you money. "

If you were expecting an Interac e-Transfer and you did not receive a notification within 30 minutes of sending it, check your Spam folder. If you were not expecting an Interac e-Transfer from the sender, please confirm with them directly before accepting the e-Transfer.

• Click the link in the email or text
• Click Caisse Financial Group's logo. If the Caisse Financial Group logo is not displayed, do not select "Choose a financial institution", select Choose province or territory and choose Manitoba from the list.
• Select Choose a Credit Union and choose Caisse Financial Group from the list.
• Click the Deposit button
• An e-Caisse window will automatically open. Connect to e-Caisse.
• Answer the security question. Please note that the answer does not distinguish upper/lower case. If the answer is a date, the format to use is : dd-mm-yyyy (ex: 22-03-2011). Make sure you know the answer. After 3 unsuccessful attempts, you will be blocked.
• Click Accept this Interac e-Transfer
• Choose your account from the list
• Optional - Add a message for the sender
• Click Continue then click Confirm to accept the Interac e-Transfer

The funds are withdrawn from your account. A receipt for the Interac transfer will be displayed.

The sender will be notified that the Interac e-Transfer has been accepted by text message from 1 00001 and/or by email from catch@payments.interac.ca.
To verify ongoing Interac e-Transfers from e-Caisse, you must:
• Connect to e-Caisse
• Select the Transfers tab
• Click the Interac e-Transfer box
• Click Go
• A new web page will open. In the left menu, click Show/Resend/Cancel-Pending Funds Transfer
• A box will appear with your transfers, and their statuses.

All pending Interac e-Transfers or Request Money will be displayed.
To verify any Interac e-Transfers made from e-Caisse, you must:
• Open an e-Caisse session
• Click the Transfers tab
• Click the Interac e-Transfer tab and press Go
• Click Search fund transfer history (in the left menu)

All Interac e-Transfers or Request Money made in the last 2 years will be displayed.
You can cancel an Interac e-Transfer if the recipient has received the notification but has not yet deposited the funds. If the funds were deposited into the recipient's account, the Interac transfer cannot be canceled.

To cancel an Interac money transfer made from e-Caisse, you must:
• Connect to e-Caisse
• Select the Transfers tab
• Click the Interac e-Transfer box
• Click Go
• A new web page will open. In the left menu, click Show/Resend/Cancel-Pending Funds Transfer
• A box will appear with your transfers. Click Cancel
• Click Confirm

The recipient will receive a message that an e-Transfer to them has been canceled. The funds will be deposited into the account from which they were withdrawn (net of the service charge which is non-refundable).
It is your choice whether or not to accept sent funds. If you receive an e-Transfer and do not want to receive funds for personal reasons, you can simply ignore the message.

 

Need help or have questions?

Branch staff is available to answer your questions during regular branch hours. Contact Us.

Technical Support is available 24 hours a day, 7 days a week.

Canada & U.S.: 1-866-260-7060

Other countries: call collect: 1-925-293-5241

Service is available in French and English.

Security


IS INTERAC E-TRANSFER® SECURE?

Your money does not travel by email or text message – only notifications and instructions do. Your financial institution and the recipient’s financial institution exchange the funds using established and secure banking procedures with multiple layers of security:

  1. Encryption technology
  2. Confidential user IDs and passwords issued by financial institutions
  3. Secure login process
  4. Secure question and answer to ensure only the intended recipient receives the money

No personal financial information is shared between the sender and the recipient.

The sender must also create a security question and answer that only the recipient knows in order to ensure that only the intended recipient receives the money.

WarningIcon

You should always be careful when sending money.

  • Send money via e-Transfer to people you know and trust, the same way you would with cash.
  • If you do not know the person you are sending money to via e-Transfer, use the same precaution you would normally when making any cash transaction.
  • Accept money via e-Transfer only when you are expecting to receive money from the sender. A good practice is to confirm directly with the sender prior to accepting the transfer.

PROTECT YOURSELF AGAINST E-TRANSFER FRAUD

Here are key things to note when you receive an e-Transfer:

CheckMarkBlueMini The text message notification should always be received from +1 00001 with text: Interac e-Transfer®: (name of sender) sent you money.

CheckMarkBlueMini The email notification should always be received from notify@payments.interac.ca with subject line: Interac e-Transfer®: (name of sender) sent you money.

CheckMarkBlueMini If the notification does not originate from notify@payments.interac.ca or it comes from someone you don’t know and you suspect it may be fraudulent, do not respond or click any links. Forward the email to phishing@interac.ca.

CheckMarkBlueMini It is always a good practice to contact the sender directly to confirm that he/she sent you an e-Transfer prior to accepting the money.

CheckMarkBlueMini If you are notified that someone has received an e-Transfer that you did not send, immediately change your PIN in e-Caisse and contact your branch.

CheckMarkBlueMini Click here for important information concerning e-Transfer fraud.

Fees


IS THERE A FEE?

Receiving e-Transfer

If you have access to e-Caisse, there is no fee to receive an e-Transfer.

If you do not have access to e-Caisse, you will need to provide your financial information directly to Interac® and there will be a fee to receive the e-Transfer.

Sending e-Transfer

There could be a fee for sending an e-Transfer depending on your account.

The fee is withdrawn immediately from your account and is non-refundable.

Are you transferring money to another Caisse Financial Group member?

If yes, avoid the Interac e-Transfer® fee by selecting the option “MEMBER TO MEMBER TRANSFER” in the TRANSFERS tab in e-Caisse. You will need to know the recipient’s Caisse membership number to complete the transfer.

Limits


HOW MUCH MONEY CAN I SEND OR RECEIVE WITH E-TRANSFER?

 
SEND LIMITS

Minimum amount per e-Transfer

$ 1

Maximum amount per e-Transfer

$ 3,000

Cumulative daily sending limit (daily)

$ 10,000

Cumulative 7 day sending limit (weekly)

$ 10,000

Cumulative 30 day sending limit (monthly)

$ 20,000

 
RECEIVE LIMITS

Minimum amount per e-Transfer

$ 1

Maximum amount per e-Transfer

$ 10,000

Cumulative daily receiving limit (daily)

$ 10,000

Cumulative 7 day receiving limit (weekly)

$ 70,000

Cumulative 30 day receiving limit (monthly)

$ 300,000

 

Once you have reached the limit, you cannot send or receive an e-Transfer until your limit is reset.

Cumulative limits are calculated by the day and time the Interac e-Transfer® is sent or received.

Example – Send: Monday 10:00 am – you send an e-Transfer of $3,000. You can now send a maximum of $7,000 in e-Transfers until the following Monday at 10:00 am.

Example – Receive: Monday 10:15 am – you receive an e-Transfer of $3,000. You can now receive a maximum of $67,000 in e-Transfers until the following Monday at 10:15 am.

Need Help?


NEED HELP OR HAVE QUESTIONS?

  • Branch staff is available to answer your questions during regular branch hours. Contact Us.
  • Technical Support is available 24 hours a day, 7 days a week.

    • Canada & U.S.: 1-866-260-7060
    • Other countries: call collect 1-925-293-5241

    Service is available in French and English.

  • Click here for more information about Interac e-Transfer®.