Interac ​e-Transfer​®

Note: Before you send your first Interac e-Transfer® you will need to contact one of our branches to have this enabled.  Then you will need to set up your sender profile and add your recipient.

1. Log into online banking or sign into our Churchbridge Credit Union app.
2. Navigate to the Transfer tab and select Send Interac e-Transfer® or in the app tap on the Interac e-Transfer® icon.
3. Transfer to - Select the recipient from your recipients list.
4. Send By - Select the method you wish to use to notify the recipient of the transfer (email, mobile phone or both).
5. Transfer From - Select the account the funds will come from.
6. Amount - Enter the amount of money you wish to send.
7. Message - You can enter a short message for the recipient.  This message is optional and should not contain the answer to the security question.
8. Click Send Transfer to complete the transaction.
9. Done!  The funds will be debited from your account immediately.

Your recipient will receive a notification that you have sent them an Interac e-Transfer®.  They will need to follow the links provided in the email or text message to deposit their funds.  Once they have answered the security question correctly, they can deposit the funds immediately.

1. Go to the Transfer tab in online banking.
2. Select Add/Delete Recipients.
3. Select Add a Recipient.
4. Enter the following:
   1. Name - Enter recipient's name.
   2. Email - Enter recipient's email address.
   3. Mobile Phone Number - Enter recipient's mobile phone number (if applicable).
   4. Preferred language - Enter language the recipient will want to receive the email in.
   5. Transfer By - Enter the method you would like to use to send notifications (mobile phone, email or both).
   6. Security Question - Enter a security question the recipient will need to answer in order to receive the funds.
   7. Answer - Enter a single-word answer to the question.  The recipient's answer will need to match exactly in order to receive the funds.
5. Click Add Recipient.
6. After verifying that the recipient's information is correct, click Confirm.

1. Log into online banking and go to Transfers on the navigation bar on the left-hand side of the screen.
2. Under Transfers, select Send Interac e-Transfer®.
3. Click Create Interac e-Transfer® Profile.
4. Enter your first and last name, mobile phone number and email address.
5. Click Continue.
6. Your profile is created.

1. Login to your Churchbridge Credit Union online banking and click the Transfer tab.
2. Select Send Interac ​e-Transfer®.
3. Click Pending ​e-Transfer® to view an Interac ​e-Transfer® that you have sent but has not yet been deposited.
4. Click Cancel to cancel the transfer and to deposit the money back into your account.

Sign up via online banking:

1. Login to Churchbridge Credit Union online banking.
2. Select Transfers from the side menu.
3. Select Send Interac ​e-Transfer® from the side menu.
4. Select Autodeposit from the top menu.
5. Select the email address and account you want the money deposited into.
6. Confirm your email address.  You will receive an email from Churchbridge Credit Union - click the Complete Registration button.

Sign up via the mobile app:

1. Login to your Churchbridge Credit Union app.
2. Select the Interac ​e-Transfer® button.
3. Select Settings from the top right-hand corner.
4. Select Autodeposit from the list.
5. Add your email address and follow the on-screen instructions.
6. Confirm your email address.  You will receive an email from Churchbridge Credit Union - click the Complete Registration button.

To Request Money via online banking:

1. Login to Churchbridge Credit Union online banking.
2. Select Transfers from the side menu.
3. Select Request Interac ​e-Transfer® from the side menu.
4. Fill in the required fields.
5. Click Request.

To Request Money via the mobile app:

1. Login to your Churchbridge Credit Union app.
2. Select the Interac ​e-Transfer® button.
3. Select Request from the menu at the top.
4. Fill in the required fields and click Continue.
5. Click Confirm.

An email and/or text message notifying the recipient of their Interac ​e-Transfer® transaction is sent about 30 minutes after the sender completed the transfer.  Once the recipient receives notification, they can complete the deposit process.

If you provided an invalid email address,  you will be notified via email that the transfer notification was undeliverable.  You can re-address and re-send the transfer or cancel the pending transfer and the original amount will be credited back to your account.  To do this:

• Edit your recipient information to include the valid email address.
• Select Resend Notification from the Pending Transfer screen.
• Click Confirm.
• An email notice will be re-sent to the recipient's valid email address.

If you provided an invalid email address but did provide a valid mobile phone number, you will not be notified by email that the transfer was undeliverable. 

If you have provided an invalid mobile phone number and chose to notifiy your recipient by mobile phone only, you will not be notified in any way that the text message did not go through.

The recipient will receive an email or text messgae reminder of the outstanding transfer 7 days after it has been sent, then again at 14, 21 and 28 days.  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 only one word.
• The answer cannot contain any blank spaces.
• The answer is not case sensitive and letters and/or numbers are accepted.
• The answer cannot contain special characters.
• The answer should be kept 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.

The sender will be notified by email 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 email address entered for the recipient is invalid.
• The recipient was unable to answer the security question.

Once the sender receives the notification that the funds were not deposited, they can follow the links in the message to cancel the transfer and redeposit the funds.