INTERAC® e-Transfer

Act Now! Free INTERAC® e-Transfers

Our Unlimited Chequing or Unlimited Family Plan are now even more unlimited with free e-Transfers! Get started today by registering online , visiting a branch near you or calling 604-517-0100 to get started.

INTERAC® e-Transfer

Westminster Savings members can send money to a friend by INTERAC® e-Transfer in Online Banking or the Westminster Savings Mobile App. 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
  • Send money
  • Receive money

What's new with INTERAC® e-Transfers

  • Autodeposit feature: INTERAC® e-Transfer funds can be deposited directly into a designated account without having to answer any security questions. Simply register your email address with Interac in order to take advantage of this feature. Learn how to set up autodeposit.
  • Request Money feature: An individual or business may request money via their online banking account by email or text message. When the money is deposited, the ‘requestor’ receives a notification letting them know the money has been deposited. Learn how to request money.

Note: Receiving a Money Request in anything other than an Unlimited Chequing or Unlimited Family Plan account will result in a $1.00 service charge.



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 INTERAC® e-Transfer before, you will 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 INTERAC® e-Transfer 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, email, 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 a recipient's information at any time, or delete a recipient if you no longer need to send them money by email or text message.

Send money

After registering and creating your recipients list, you can send money by INTERAC® e-Transfer easily.

How to send money by INTERAC® e-Transfer

  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 withdraw from 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 INTERAC® e-Transfer, unless sent from an Unlimited Chequing Account or an account on the Unlimited Family Plan. 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 or text message informing them that you have sent them money.
  • If the recipient has not deposited the money that you sent to them by email or text message, 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, the eTransfer cannot be canceled or retrieved. 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 INTERAC® e-Transfer. Money received by INTERAC® e-Transfer will be deposited directly into your Westminster Savings account.

How to receive money by INTERAC® e-Transfer

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

  1. Click the link in the email or text message. 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.

How to request money by INTERAC® e-Transfer

The request money feature by INTERAC® e-Transfer allows a individual or business to request money via their online banking account by email or text message. When the money is deposited, the ‘requestor’ receives a notification letting them know the money has been deposited.

  1. Sign in to Online Banking and click on Transfers.
  2. Click Request Interac e-Transfer.
  3. Ensure you have a sender profile created and Recipient added.
  4. Click the Request From dropdown and select the recipient you want to request the money from and complete the following:
    1. Amount
    2. Invoice #
    3. Invoice Due By
    4. Message
    5. Deposit to
  5. Click Request

INTERAC® e-Transfer Autodeposit Feature

INTERAC® e-Transfer funds are able to be deposited directly into a designated account without having to answer any security questions. Members simply register their email address with Interac in order to take advantage of this feature.

  1. Sign in to Online Banking and click on Transfers.
  2. Click Send Interac e-Transfer.
  3. Click Autodeposit.
  4. Enter your email and select the account you want to use with Autodeposit.
  5. Click Register and click Done.
  6. An email will be sent to you for confirmation. Please check your mailbox and Click complete registration.

Important information

  • Whoever requests the money will be responsible for paying any associated INTERAC® e-Transfer fees. Our Unlimited Chequing Account offers free unlimited INTERAC® e-Transfers.
  • 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

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