Biggar & District Credit Union - Interac E Transfer

Send money anytime, for any reason

Interac^® e-Transfer is great for splitting the bill at a restaurant, paying your rent, babysitter or dog walker

If you don't often carry cash, or maybe you prefer not to be paid by cheque, Interac e-Transfer^® is a convenient and secure way to send and receive money within Canada.

What you will need

An email address

Your email address helps your contacts identify you

An account at Biggar & District Credit Union

Your account needs to be open and active, and you must be signed up for online banking

A computer or mobile phone

You will be sending and receiving via Biggar & District Credit Union online banking or our Mobile App

Interac e-Transfer^®

Fees

$1.50*

Per transaction to send or request money*

Free

To receive money

*Some account packages include unlimited free e-Transfer transactions.

You will be sending and receiving via Biggar & District Credit Union online banking or our Mobile App

Find the right account for you

Sending and Request Limits

Personal Sending Limits:

Per Transfer: $3,000
Per Day (24 hours): $10,000
Per Week (7 days): $10,000
Per Month (30 days): $20,000

Personal Request Limit:

Maximum amount per request: $3,000

Small Business Sending Limits

Per Transfer: $10,000
Per Day (24 hours): $20,000
Per Week (7 days): $50,000
Per Month (30 days): $100,000

Small Business Request Limit:

Maximum amount per request: $3,000

Instant Interac e-Transfers^®

Instant Interac e-Transfers® are now available with the following limits:

Personal Limits:
Maximum amount per instant transfer: $250
24 hour rolling limit for transfers per member: $500
Maximum amount per instant transfer with history*: $3,000

Small Business Limits:
Maximum amount per instant transfer: $500
24 hour rolling limit for transfers per member: $500
Maximum amount per instant transfer with history*: $5,000
*History of several successful e-Transfers

If you have an INTERAC e-Transfer® profile already set up, just sign into Biggar & District Credit Union Digital Banking and you will be able to send and receive e-Transfer transactions.

If you do not have an INTERAC e-Transfer® profile created follow these steps:

Online Banking:

Sign in to digital banking on desktop/tablet.
Go to ‘Transfers & Payments’.
Under INTERAC e-Transfer® Click ‘Profile Settings’.
You will be asked to confirm your information – name, email, mobile phone.
Click ‘Continue’.
Enter the one-time password you receive via text or email address.
Click ‘Continue’.

Mobile App:

Sign in to digital banking on the mobile app.
At the bottom of the screen tap ‘Move Money’.
Tap ‘INTERAC e-Transfer®’ at the top right corner.
Tap ‘Profile Settings’.
Click ‘Continue’.
Verify your details and click ‘Continue’.
Enter the one-time password you receive via text or email address.
Click ‘Continue’.

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 an answer known only to the recipient.

Guidelines for the security answer:

• The answer must be one word.
• The answer must not contain any blank spaces.
• The answer is not case sensitive and letters and/or numbers are accepted.
• The answer cannot contain special characters (i.e., &, $, etc.).
• The answer should be kept strictly 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.

Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer®.
4. Click ‘Manage Contacts’.
5. Click the + Icon at the top right-hand corner of the screen.
6. Enter the name of the person you wish to add.
7. Enter their email address/mobile phone number.
8. Select language preference – defaulted to English.
9. Select the notification method using the drop-down menu.
10. Enter the security question and the answer.
11. Re-enter the answer to the security question.
12. Click ‘Continue’.
13. Confirm the details of the contact added.
14. Click ‘Continue’.
15. Enter the one-time password you receive via text or email address.
16. Click ‘Continue’.

Mobile App:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap INTERAC e-Transfer at the top right corner.
4. Click ‘Manage Contacts’.
5. Click ‘Add contact’.
6. Enter the name of the person you wish to add.
7. Enter their email address/mobile phone number.
8. Select language preference – defaulted to English.
9. Select the notification method using the drop-down menu.
10. Enter the security question and the answer.
11. Re-enter the answer to the security question.
12. Click ‘Continue’.
13. Confirm the details of the contact added.
14. Click ‘Continue’.
15. Enter the one-time password you receive via text or email address.
16. Click ‘Continue’.

Note: 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 edit a recipient's information at any time or delete a recipient if you no longer need to send them money by 'Manage Contacts'.

at the top right corner.

Sending money by INTERAC e-Transfer® is quick and easy. First, you will need to set up a user profile and a recipient list. Once that is completed, you can now send an INTERAC e-Transfer® transaction by following these simple steps.

Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer®.
4. Click ‘Send Money’'.
5. At the top, select the account you wish to send from.
6. Select the contact you want to send money to from the dropdown menu.
7. Enter the amount.
8. Add an optional message if you like.
9. Click ‘Continue’.
10. Confirm details.
11. Click ‘Continue’.

Mobile App:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap INTERAC e-Transfer at the top right corner.
4. Tap ‘Send’.
5. At the top, select the account you wish to send from.
6. Select the contact you want to send money to from the dropdown menu.
7. Enter the amount.
8. Add an optional message if you like.
9. Click ‘Continue’.
10. Confirm details.
11. Click ‘Continue’.

transaction by following these simple steps.

Biggar & District Credit Union members can receive an INTERAC e-Transfer® transaction.

1. Click or tap the link in the email or text notification indicating you have received a new INTERAC e-Transfer® transaction.
2. Skip over 'Find your Financial Institution' as this will not populate Biggar & District Credit Union.
3. Select Province as 'Saskatchewan' first, then credit union as 'Biggar & District Credit Union'.
4. Click or tap 'Deposit'.
5. Sign in to Digital Banking via the app, mobile web or desktop. Choose the Biggar & District Credit Union account into which you wish to deposit the money.

When receiving an INTERAC e-Transfer® for the first time in the new Digital Banking platform and if you had received INTERAC e-Transfers® previously, you may be presented with the Biggar & District Credit Union name and logo. If this is the case, please follow these steps:

1. Bypass selecting Biggar & District Credit Union/clicking on the logo
2. Scroll down to “Select a different financial institution”.
3. Select Biggar & District Credit Union from the list.

The reason for this is due to your device remembering where to go, which is the old platform that is no longer there.
Once you complete this process for the first time, your device should remember where to go (which is the new digital banking) and you will not have to repeat these steps.

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

Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to 'Transfers & Payments'.
3. Under Interac e-Transfers®, select 'History'. Pending transactions can be viewed here.
4. Select Cancel (red X). Click 'Continue'.
5. Confirm cancel transaction details and click 'Continue'.
6. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from.

Mobile App:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘INTERAC e-Transfer®’ at the top right corner.
4. Tap ‘History’.
5. At the top tap ‘Pending Transactions’.
6. Tap the e-Transfer you would like to cancel
7. Select ‘Cancel’ (X).
8. Tap ‘Continue’.
9. Confirm cancel transaction details and click 'Continue'.
10. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from.

Note: Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address or mobile phone number before you send money.

Note: You can now set up Autodeposit for your email address AND your mobile phone number.

Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers & Payments’.
3. Under Interac e-Transfer®.
4. Click ‘Autodeposit Settings’.
5. Click 'Add Autodeposit'.
6. Under Register With, input the mobile phone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgement and click ‘Continue’.
8. Confirm your autodeposit details and click ‘Continue’.
9. Enter the one-time password you receive via text or email address.
10. Click ‘Continue’.
11. A Verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.

Mobile App:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘Move Money’.
3. Tap ‘INTERAC e-Transfer’ at the top right corner.
4. Tap ‘Autodeposit Settings’.
5. Click the + icon at the top right hand corner of the screen.
6. Under Register With, input the mobile phone number or email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgement and click ‘Continue’.
8. Confirm your autodeposit details and click ‘Continue’.
9. Enter the one-time password you receive via text or email address.
10. Click ‘Continue’.
11. A Verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.