E-Transfers

1. Login to online banking and go to ‘Transfers’ located on the left-hand side navigation.
2. Under Transfers, select ‘Send INTERAC e-Transfer’.
3. A screen will appear to ‘Create Sender Profile’.
4. Enter your first and last name, smartphone number (if applicable) and your email address.
5. Click ‘Continue’.
6. Your profile is now created!

What you should know:

• 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 MemberDirect® Online Service by selecting the ‘Edit Sender Profile’ link.

1. Go to ‘Transfers’.
2. Select ‘Add/Delete Contact’.
3. Select ‘Add a Contact’.*
4. Enter the following:
   • Contact’s first and last name.
   • Contact’s email address.
   • Contact’s mobile number. (if applicable)
   • Preferred language. (they will receive emails in this language when you send them money)
   • Preferred way you would like to send notifications of future INTERAC e-Transfers.
     (smartphone text, email or both)
   • Security question.
   • A single-word answer to the question.
5. Click ‘Continue’.
6. After verifying that the contact’s information is correct, click ‘Save Contact’.
7. Your new entry can be found by selecting ‘Add/Delete Contacts’.

What you should know:

• For your security, only you and the contact should know the security question and answer. You can communicate this to the contact by phone or in person for additional security.
• You can edit a contact’s information at any time, or delete a contact if you no longer need to send them money via INTERAC e-Transfer.

Lafleche Credit Union members can receive an INTERAC e-Transfer transaction. Money
received by email will be deposited directly into your personal or business account.

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 Lafleche Credit Union.
3. Select Province as ‘Saskatchewan’ first, then credit union as ‘Lafleche Credit Union’.
4. Log in to MemberDirect Online Banking via mobile web or desktop.
   Choose the Lafleche Credit Union account into which you wish to deposit the money.

What you should know:

• You should have prior knowledge of an incoming e-Transfer. If you receive an INTERAC e-Transfer from someone you don’t know, you do not have to accept the funds. If you know the sender but you aren’t sure why you are receiving an e-Transfer, you should contact the sender to ensure the e-Transfer is legit.

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

1. Log in to online banking and go to the ‘Transfer section.
2. Select ‘Send INTERAC e-Transfer’.
3. View the pending transactions towards the top of the page.
4. Click ‘Pending e-Transfer to view an INTERAC e-Transfer transaction that you have sent but has not yet been deposited.
5. Click ‘Cancel’ to cancel the transfer and to deposit the money back into your account.

What you should know:

• Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address before you send money.

Request INTERAC e-Transfer allows you to easily request money you are owed or to use as a friendly reminder when friends or family may have forgotten to pay you back.

How to send a request for money:

1. Log into online or mobile banking and select ‘Transfers’, then ‘Request Money’.
2. Enter the name of the recipient for the request. (To add a new recipient, click ‘Add New Recipient’.)
3. You will need to confirm you have consent from the recipient to request the funds.
4. Enter the request amount.
5. Enter any additional details (optional):
   – Invoice number (great for businesses)
   – Due date associated with the invoice
   – A message about the request such as its purpose

An INTERAC e-Transfer notification will then be sent to your contact. Once they receive the notification, they can fulfill the request by logging into their online banking, and the funds will be immediately deposited into your account.

What you should know:

• If there is a service charge for sending an INTERAC e-Transfer, it will be debited from your account after the funds from the fulfilled request have been deposited.
• The recipient of the Request Money transaction must have an account at a Canadian financial institution that also has this feature.
• Money being sent in response to a request for money will take the same time as a regular Interac e-Transfer® transaction. Most transfers will be sent in near real-time to within 30 minutes. Once the Interac e-Transfer notification arrives, you will have instant access to the money.

INTERAC e-Transfer is convenient. But for people waiting to be paid, it’s never fast or easy enough. That’s why there’s Autodeposit. It is a secure way to receive money without having to answer security questions for every transaction.

To register for Autodeposit:

1. Log into online banking.
2. Select ‘Transfers’ > Select ‘INTERAC e-Transfers’, then select ‘Autodeposit’.
3. Enter your email address and select which account to have the funds deposited into.
4. Read and accept the acknowledgements.
5. Tap ‘Register’ to complete the registration.

What you should know:

• You can register up to 5 email addresses.
• If you are no longer using an email address, remember to update your email addresses for Autodeposit in online banking.
• You will need to set up the security question & answer for your recipients even if they have registered for Autodeposit.
• If you are sending an INTERAC e-Transfer to a recipient who has Autodeposit, but would like them to answer your security question, you should send the e-Transfer notification through text.