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Send money quickly & easily

Interac e-Transfers

Interac® e-Transfer is an easy, convenient and secure way to send and receive money in Canada. All you need is access to online banking, and you can send money to anyone with an email address. It's a great, quick alternative to cheques and cash. 

Receiving an e-Transfer: FREE
Sending an e-Transfer: $1.00

The first time you send or receive an Interac e-Transfer, you will be prompted to set up a profile consisting of your name and email address. This is the information that will be used by Interac to complete your e-Transfers. At any time, you can update this information by simply clicking Edit Sender Profile.

Send money Canada-wide 

Through a few quick and secure steps, you can send funds to anyone within Canada by using our online banking or mobile app. 

Set up your profile, add a recipient, and start sending!


Receive money 

Deposit your Interac e-Transfers by selecting Northern Birch Credit Union as your financial institution on the incoming email or text message. 

Just sign into your account, answer the security question and start depositing! 

Safe and secure

Interac e-Transfer users are protected with mulipble layers of security. When you send money using Interac e-Transfer, your money never actually travels by email or text message - only notifications do. 

Learn more

Check out some Frequently Asked Questions about Interac e-Transfers, or call us in-branch for assitance.

​How do I receive an Interac e-Transfer?

1. When you receive an INTERAC e-Transfer email from someone, you can deposit the funds by clicking on the link in the email.
2. Choose "at a credit union:" and select "Ontario" and then choose "Northern Birch Credit Union".
3. Click on “Deposit”, and sign in with your Online Banking credentials.
4. Answer the security question provided by the sender (if you don’t know it, contact the sender).
5. Select the account to deposit your money into (if you do not see an account, please call us)
​6. Before you complete the deposit, you can add a message for the sender.

How do I send an Interac e-Transfer?

1. Sign in to Online Banking and click on "eTransfers"
2. Enter the amount of money you want to send and the account to withdraw from (if you do not see an account, please call us)
3. Select the recipient from your recipients list (or add a new recipient)
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
​6. The recipient will receive an email notification within 30 minutes

Are there limits to how much money I can send and receive?

Yes. 

When sending: 

- Minimum transaction $5.00
- Maximum per transfer sending limit $3,000
- Daily rolling* sending limit $3,000
- Cumulative maximum 7 days rolling sending limit $10,000
- Cumulative maximum 30 day rolling sending limit $20,000

When receiving:

- Maximum per transfer incoming limit $10,000
- Cumulative maximum 7 day rolling incoming limit $70,000
- Cumulative maximum 30 day rolling incoming limit $300,000

*Rolling limits are calculated by day and time the INTERAC e-Transfer is sent. Example: If the first transaction is sent at 11:30 am, "day" is calculated on the 24 hour rolling period which will end at 11:29 am the next day.

​How do I create or edit my INTERAC® e-Transfer Profile?

Go into Online Banking and click “eTransfers”. The first time you send an INTERAC® e-Transfer, you will be prompted to set up a profile consisting of your name and email address. This is the information that will be used by INTERAC® to complete your e-Transfers. At any time, you can update this information by simply clicking on Edit Sender Profile.

How do I add a recipient to my profile?

Once you have set up your profile and you are ready to send funds to someone, simply click on the "Add New Recipient" link below the "Transfer To" dropdown on the "Send INTERAC® e-Transfer" page, and enter the required information. You can delete this recipient at any time, or have easy access to them through the dropdown list for future payments.

When will my recipient be notified they have access to the funds?

An email will be sent to the recipient within 30 minutes after the sender requests the e-Transfer. The notification will contain a link – the recipient just follows the instructions to pick up the funds.

​Can I cancel the INTERAC® e-Transfer at any time?

You can cancel your transfer after the notification has been sent to the recipient up until the time they accept it. Just click on the Cancel link located beside the Pending INTERAC® e-Transfers page. Please note that the initial sending fee will not be refunded.

What happens if the recipient doesn't pick up the transfer?

If the recipient has not picked up their transfer, you can resend the notice by clicking Resend Notice beside the transfer status on the Pending INTERAC® e-Transfers page. If the transfer has not been picked up by the recipient 30 days after the date sent, the transaction will expire and a notification will be sent to the sender. The sender then has 30 days to cancel the transaction to reclaim their funds (minus the service charge) by clicking Cancel beside the transfer status on the Pending INTERAC® e-Transfers page. If the sender does not cancel the transaction by this time INTERAC® will do so and the funds will be returned to the sender (minus the initial service charge) within seven days. 

Need a hand?

Contact us for assitance! We're here to help.