INTERAC® e-Transfer

INTERAC® e-Transfer

All Westminster Savings members can send money to a friend by email in Online Banking. It is convenient, secure and quick.

Using INTERAC® e-Transfers you can:

  • Send money to children at college
  • Send gifts to friends or family
  • Pay your rent electronically
  • Pay for items purchased online or at garage sales
  • Settle a bill with a friend

Register & add recipients

Before you can send money by email you need to register and create a recipients list (address book). Registration is free, easy and only needs to be done once.

How to register

If you've never sent money by email before you need to register by creating a profile.

  1. Log in to Online Banking and go to the Transfer Money section.
  2. Select the Create INTERAC® e-Transfer Profile link.
  3. Enter your name and your email address and click Continue.

Your profile is now created.

Important information

  • The email address that you have entered will be used to inform you when your transfer has been received or declined.
  • You can update your profile at any time in Online Banking by clicking the Edit Sender Profile link.

How to create a recipients list

Before you can send money to someone by email you need to add that person's name, email address and security question to your recipients list.

  1. In the Send INTERAC® e-Transfer section click Edit Recipients then choose Add Recipient.
  2. Enter the recipient's name, email address, preferred language (they will receive emails in this language when you send them money) and a security question and answer.
  3. Click Continue to finish adding a recipient to your address list.

Important information

  • 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 set up as many recipients as you like, but for your protection be sure to give them each a unique security question and answer.
  • You can edit recipient's information at any time, or delete a recipient if you no longer need to send them money by email.

Send money

After registering and creating your recipients list you can send money by email easily.

How to send money by email

  1. Log in to Online Banking and go to the Transfer Money section.
  2. Select Send INTERAC® e-Transfer
  3. Enter the amount of money you want to send, the account to withdrawal and select the recipient from your recipients list.
  4. You can enter a short message for the recipient. This message should not contain the answer to the security question.
  5. Click Continue to complete the transaction.

Important information

  • A non-refundable service fee of $1 will be charged for sending money by email. Note: The recipient's bank or credit union may also charge a service fee to receive the money.
  • It can take 15 minutes or more for the recipient to receive an email informing them that you have sent them money.
  • If the recipient has not deposited the money that you sent to them by email, you can send them an email reminder on the Pending Email Money Transfers page.
  • If the money you have sent has not been deposited within 30 days it will be automatically deposited back into your account.
  • Once money has been deposited by the recipient it cannot be canceled. Be sure to verify the email address before you send money.
  • Keep the password secret so that only you and the recipient know the answer.

You can cancel an INTERAC® e-Transfer before it has been deposited by the recipient.

How to cancel an INTERAC® e-Transfer

  1. Click Pending INTERAC® e-Transfers to view money that you have sent that has not yet been deposited.
  2. Click Cancel to cancel the transfer and to deposit the money back into your account.

Note: The associated service fee will not be refunded when you cancel a transfer.

Receive money

All Westminster Savings members can receive money by email. Money received by email will be deposited directly into your Westminster Savings account.

How to receive money by email

A friend can send you money by email if their bank or credit union offers the service. You will receive an email to deposit the money into your Westminster Savings account.

  1. Click the link in the email. You will be directed to a special site operated by Certapay, an Interac subsidiary.
  2. Follow the instructions on the Certapay site to select Westminster Savings.
  3. Follow the instructions on the Certapay site to log in to Online Banking.
  4. Log in to Online Banking and enter the answer to the security question.
  5. Choose the Westminster Savings account into which you wish to deposit the money.

The money is now deposited into your Westminster Savings account.

Important information

  • There is no fee to deposit money into your account that you have received by email.
  • If you do not want to deposit the money into your account you can decline the transfer. The money will not be deposited into your Westminster Savings account. You can send an email to the sender explaining why you declined the transfer.

Act Now! Log in to Online Banking now

  • Sign up for online banking now. Contact our Member Service Centre at 604-517-0100 (outside the lower mainland call toll-free 1-877-506-0100) or visit a branch to order a MEMBER CARD® debit card and create a new personal access code.
  • Not yet a Westminster Savings member? You should be! Click here to apply for membership.

® Trade-mark of Interac Inc. Used under license

 

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