Autodeposit: FAQ

I’ve selected a recipient to send money to, and it states that they have Autodeposit enabled. What is that?
Autodeposit is a feature within the Interac e-Transfer® service that enables members to receive funds directly into a bank account without having to answer a Security Question & Answer. When activated, funds will go directly into a recipient's bank account that is associated with the email address or phone number a sender is transferring money to.

If I send money to a recipient, how will I know if my recipient has the Autodeposit feature enabled?
You will know if your recipient has the Autodeposit feature enabled when they are creating the money transfer because the Security Question & Answer will no longer appear if the recipient has Autodeposit enabled and additional text on the screen will indicate that the recipient has registered for Autodeposit.

How long will it take for the money to be received by my recipient?
Money being sent to a recipient registered for Autodeposit 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, the recipient will have instant access to the money.

Will I be notified when the funds have been received by my recipient?
Yes, once the funds are successfully deposited into the recipient's account via the Autodeposit feature, you will receive a confirmation notification.

Can I cancel an Interac e-Transfer transaction that is going to a recipient that is registered for Autodeposit?
Transfers can only be cancelled if they haven't already been deposited. To cancel an Interac e-Transfer transaction, the member can login to your Energy CU's online banking account and locate the transfer in the Interac e-Transfer Pending Transfers or Transfer History list. If the transfer doesn't have a "cancel" link beside it, then the deposit has completed and can no longer be cancelled.

Can I still add a Security Question & Answer for the transfer for my recipient if they have the Autodeposit feature enabled?
No, if the recipient has enabled the Autodeposit feature, they have chosen to receive transfers directly into their bank account without the need to answer a Security Question & Answer.
 
Once I’ve registered for the Autodeposit feature, how will I know when someone sends me money?
You will receive a notification by email every time you receive funds through the Autodeposit feature, letting you know that money has been deposited into your Energy CU account and the details associated with the transfer (from who and any messages provided by the sender).
Why do I still have to answer the Security Question after registering for the Autodeposit feature?
Not all Financial Institutions have the ability to leverage the Autodeposit feature to send funds to registered recipients. There might be instances of having to answer the Security question even after the member has registered for the Autodeposit feature.

Is the Autodeposit registration permanent?
Autodeposit registrations are permanent as long as the registration is active. Autodeposit registrations might require periodic re-validations due to inactivity, i.e. no deposits are made into their account automatically.

How can I change the email address for my Autodeposit registration?
You will need to login to your Energy CU online account and access the Interac e-Transfer® Autodeposit Settings page where you can delete the registration with the incorrect email and add the revised email address for registration. You will then need to confirm the revised email address from the Autodeposit registration verification email.

If I register for Autodeposit with a new email address, but a sender sends me an e-Transfer to my old email address and my mobile phone number, will the deposit be done automatically?
No, the e-Transfer will be sent with an email notification to accept it as the email used is not associated with Autodeposit.

If I register for Autodeposit with a new email address, but a sender sends me an e-Transfer to both my email address and mobile phone number, how will I be notified?
You will be notified via email only when the funds have been deposited directly into your Energy CU account. This is because when you registered for Autodeposit, you indicated that you will be notified via that email address only.

I used to be registered for the Autodeposit feature but it is no longer active. How can I re-activate my registration?
To re-activate your Autodeposit registration, you must login to your Energy CU's Interac e-Transfer Autodeposit Registration or Autodeposit Settings and re-register your email address again.

How can I deactivate my Autodeposit registration?
To deactivate an Autodeposit registration, you will need to login to your Energy CU online account and access the e-Transfer Autodeposit settings page to delete all Autodeposit registrations displayed.


Request Money: FAQ

Who pays the Request Money Fee?
Whoever initiates the transfer will pay the fee. So, if you request funds or initiate the transfer then you will pay the fee. The fee is the same regardless.
 
How long will it take to receive a notification once my contact sends me money using Interac e-Transfer?
Interac e-Transfer transactions are sent in near real-time to within 30 minutes depending on the sender's financial institution or credit union's configurations.
I’ve received a text message notification from 100001. What does this mean?
100001 is the short code address from which all text Interac e-Transfer® notifications originate. Short codes (also known as short numbers) are special telephone numbers, significantly shorter than full telephone numbers that can be used to address text messages to or from mobile phones. Short codes are designed to be easier to read and remember than normal telephone numbers. Like telephone numbers, short codes are unique to each operator at the technological level. Standard text messaging charges will apply when members receive text message notifications about Interac e-Transfers.

I’ve received a text message notification from Interac e-Transfe and I don’t want to pay any data charges on my mobile phone and/or I cannot access the web. What should I do?
If your mobile phone is not web-enabled, or you would prefer not to deposit the transfer using your mobile phone, then you will need to type the link provided in the text message into your browser on any computer and follow the instructions to pick up the transfer. Anyone using a web-enabled mobile device can use the link provided in the notification message, login to online or mobile banking and deposit a transfer.

I’ve received a text message from Interac, but I did not opt in to this service. How do I stop receiving Interac e-Transfer text messages?
The text message was sent to you because someone chose to send or request money to/from you using Interac e-Transfer and notify you via text message. You can let this person know that you do not want to receive these messages. The sender can use your email address instead to send or request money. To permanently stop all text message notifications from Interac e-Transfer, reply to any Interac e-Transfer text message with the message STOP (or text STOP to 100001). Once stopped, text message notifications cannot be reinstated. Standard text messaging charges apply when receiving or sending text messages.

Can I respond to an Interac e-Transfer text message?
Yes, two responses (in both English and French) are accepted by the service and Interac will reply to these messages. Remember that text messages are limited to very few characters and therefore do not contain detailed information.
• HELP. A HELP reply to short code 100001 will provide the member with the address of this website, and instructions to type the link received in the notification into any browser.
STOP. To permanently stop all text message notifications from Interac e-Transfer, reply to any of the texts with the message STOP (or text STOP to 100001). Once stopped, text message notifications cannot be re-started.

Standard text messaging charges apply.

What happens if I request money using Interac e-Transfer to a landline?
If you also provided an email address when setting up the recipient, the recipient will be notified by email. Otherwise you will be informed that the transfer notification could not be delivered and will be directed to either reclaim your funds used for the transfer or correct the contact information of your recipient.

Can I edit or cancel a money request I have initiated?
Yes, you can edit or cancel a money request that has not been deposited and you have initiated by logging into your online account and accessing the Interac e-Transfer Pending Transfers list. If the money request is listed with an "edit" or "cancel" link then these actions can be taken.

Can invoices be attached while requesting money?
At this time, you cannot attach an invoice when requesting money through Interac e-Transfer®. However, you can include an invoice number and invoice due date within the request for money transaction.
Who can I request money from?
You can request money from anyone with an email address or mobile number who has access to online banking or mobile banking at a Canadian Financial Institution.

How will I be notified if a request for money is sent to me?
Similar to sending money via Interac e-Transfer, when someone requests money from you through Interac e-Transfer, you will receive a notification to the email address or mobile number you had prescribed for them.

Are there reminder notifications for outstanding money requests?
Yes, outstanding requests have automated reminder notifications that are sent to the recipient. The frequency of the reminder notifications is determined by global configurations. You could also manually re-notify the recipient, as a reminder. To do this, you must login to your Energy CU online banking account and select the Interac e-Transfer transaction from the Pending Transfers list to "resend notification".

How long are outstanding requests valid for?
Money Requests are valid for approximately60 days from the date they are requested. However, the expiry date can be extended by another 60 days if the member re-notifies the recipient of the outstanding request before it expires.

Will I be notified once the request has been fulfilled?
Yes, once the request for money has been fulfilled and the funds deposited, you will receive a notification that the funds are available in your account.

Once the request has been fulfilled, how long will it take for me to receive the money?
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, the member will have instant access to the money.

How do I fulfill an Interac e-Transfer request for money?
If you have received a request for money, you will need to click the link that appears in the notification to login to your online banking account. From there, you can fulfill the request by choosing the account for the funds to be withdrawn from. The requestor will receive a notification from Interac e-Transfer once the funds are deposited into their account.
Will I be debited if I get an error while fulfilling my request from the confirm page?
No, if you reviewed and confirmed the fulfill request but then received an error message, you can fulfill it again from the email notification.

Can I decline a request?
Yes, you can decline a request for money by selecting the decline option within the notification or on Interac®'s page showing details of the request. If you provide a reason for declining the request, the same will be conveyed to the requestor.

Can I block a Requestor from requesting funds from me or opt-out out of the Request Money feature?
Yes, the member can opt-out of receiving requests from a particular requestor, or of the service completely, by selecting the opt-out option from the request notification email.
How long will it take for the money to be received by the requestor?
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.
I tried sending an Interac e-Transfer notification to a mobile phone number, but I received an email and/or text message saying it didn't go through. Why?
You should always check to make sure they have entered the correct mobile phone number when setting up the recipient and review this number when sending or requesting money. A notification may not be delivered to the recipient if the:
• Phone number entered is a land line
• Phone number entered is a non-Canadian mobile phone number
• Recipient has blocked Interac e-Transfer notifications being sent to their mobile phone number
• Recipient is encountering technical issues with their mobile phone and therefore the message cannot be delivered for technical reasons (e.g. phone is off, mobile network unavailable). Mobile Network Operator does not support all text messages
• Mobile Network Operator does not support all text messages