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e–Caisse Login

INTERAC® e-Transfer

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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Click here for FAQ

How it works


HOW DOES INTERAC® E-TRANSFER WORK?

Both the sender and the recipient need access to their financial institution’s online banking service to send and receive an e-Transfer.

Interac® e-Transfers can only be made in Canadian funds between accounts in Canadian funds at a Canadian financial institution.

To send money using e-Transfer, the sender does not need to know the recipient’s financial institution or account information; only their email address or mobile phone number. In a matter of minutes, recipients are notified by email or text message when an e-transfer has been sent. Once they accept, the money is transferred to their account.

Money can be transferred person-to-person, person-to-business or business-to-business.

 
TO SEND AN E-TRANSFER
from your Caisse account you need:

CheckMarkBlueMini access to e-Caisse*
CheckMarkBlueMini a Caisse chequing or savings account (in Canadian funds)
CheckMarkBlueMini the person’s email address or mobile phone number (they need to have a Canadian funds account at a financial institution in Canada)

StepByStepIconMini Step by Step Directions

 
TO RECEIVE AN E-TRANSFER
in your Caisse account you need:

CheckMarkBlueMini an email address or mobile phone number
CheckMarkBlueMini access to e-Caisse*
CheckMarkBlueMini a Caisse chequing or savings account (in Canadian funds)

StepByStepIconMini Step by Step Directions

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


HOW LONG DOES AN E-TRANSFER TAKE?

Once the e-Transfer is set up (which takes minutes), it takes less than 30 minutes, if not instantly, to send or receive money between accounts.


CHECKING THE STATUS OF E-TRANSFERS

A) To view active e-Transfers

  • Log in to e-Caisse
  • Click TRANSFERS
  • Click INTERAC® E-TRANSFER and select GO
  • Choose VIEW/RESEND/CANCEL PENDING TRANSFERS

All active e-Transfers will be displayed.

B) To view completed e-Transfers

  • Log in to e-Caisse
  • Click TRANSFERS
  • Click INTERAC® E-TRANSFER and select GO
  • Choose SEARCH TRANSFER HISTORY

All completed e-Transfers will be displayed for up to 2 years.


CANCELLING AN E-TRANSFER

You can cancel an INTERAC® e-Transfer if the recipient has received notification but has not yet deposited the money. If the money has been deposited in the recipient’s account, the e-Transfer cannot be cancelled or reversed.

To cancel an e-Transfer:

  • Log in to e-Caisse
  • Click TRANSFERS
  • Click INTERAC® E-TRANSFER and select GO
  • Choose VIEW/RESEND/CANCEL PENDING TRANSFERS
  • Find the e-Transfer you wish to cancel and click on the CANCEL button
  • Click CONTINUE

The money will be deposited into the account from which it was withdrawn (minus the fee which is non-refundable).


DECLINING AN E-TRANSFER

The recipient can choose to decline the e-Transfer.

If the e-Transfer is declined, the sender will receive a notification with instructions to reclaim the funds in his/her account (minus the fee which is non-refundable). The sender will need to cancel the e-Transfer by following the steps for Cancelling an e-Transfer above.

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.