Commercial Internet
Banking

Interac e-Transfers are a safe and convenient way to send and receive funds without sharing personal account details. For more information about the security of these transactions, please visit the Interac Website.

Tips for sending and receiving Interac e-Transfers safely:

• Treat Interac e-Transfers as you would cash

Only send money to those you know and trust. Once the funds are deposited, the transaction cannot be reversed.

• Security Question & Answer

Select a security question and answer that cannot be easily guessed and which ONLY the recipient would know. Do not send security question answers via email or text. To clarify an answer, call your recipient or speak to them face to face.

• Autodeposit

Encourage your recipient to set up Interac e-Transfer Autodeposit. If the recipient is set up for Autodeposit, a Security Question and Answer is not required. The recipient will receive an email confirming the funds have been deposited to their account.

• Passwords

Use strong passwords for your online/mobile banking and email accounts. Strong passwords include letters, numbers and symbols. Do not use the same password for multiple accounts. Never save passwords in your browser or mobile apps.

• Fraud

Be cautious if you receive notification that you have been sent an Interac e-Transfer that you were not expecting. Contact the sender directly to confirm before depositing the funds. Never click on links in unsolicited and unexpected emails; it could be fraudulent emails designed to collect account information from unsuspecting recipients.

• Scam

Be cautious if someone asked you to accept an Interac e-Transfer and then to forward the funds on to another inpidual. This is a common scam and you may become an unwitting participant in fraudulent activity. Only accept Interac e-Transfers from those you know and trust, and only send money to those you know and trust.

® Trademark of Interac Inc. Used under license.

The details of e-Transfers that are accepted, declined, cancelled or redeposited, can be found in Interac e-Transfer History.

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”
4. Select “Interac e-Transfer History” in the menu

The e-Transfer history can be filtered by date and is broken up into 3 tabs – Sent, Requested, & Received.

“Sent” history will include all e-Transfers you have sent, including those that are pending, accepted, declined, cancelled or re-deposited. This will also include e-Transfers you have sent in response to an e-Transfer Request for Money.
“Received” history will include all funds received via e-Transfer, including e-Transfers you have received in response to an e-Transfer Request for Money.
“Requested” history will include all e-Transfers you have requested. This will have not yet been accepted or declined will display with a status of “e-Transfer available”. You can resend notifications to these available requests.

Interac e-Transfer Requests which have been accepted by the recipient will display with a status of “e-Transfer Request Deposited” while declined requests will display a status of “Declined”.

® Trademark of Interac Inc. Used under license.

An Interac e-Transfer with the status of “Declined” or “Expired” and which has not been auto-reclaimed back to your account, can be redeposited via Cambrian Online Banking.

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”
4. Select “Interac e-Transfer History” in the menu
5. Select “Options” next to the e-Transfer you wish to redeposit and click “Redeposit Funds” if available.

If the redeposit funds option is not available the auto-reclaim process has started and will automatically deposit the funds back to the sending account.

® Trademark of Interac Inc. Used under license.

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”
4. Select “Pending” under “Send Money”

Interac e-Transfers that have not been successfully accepted by the recipient will be listed as Pending e-Transfers.

Once the transaction has been completed (accepted, declined, cancelled or redeposited), it will no longer display in the pending tab but it will remain in the Interac e-Transfer History section.

Pending e-Transfers can be cancelled or redeposited or resent to the recipient.
Interac e-Transfers expire 30 days after the send date.

Pending e-Transfer Status

The status of the e-Transfer will determine what actions can be taken.

e-Transfer Available
Recipient has been notified but has not yet accepted the e-Transfer.
You can cancel this e-Transfer.

Recipient Answered Security Question
Recipient answered the security question but has not yet accepted the e-Transfer.
You can cancel this e-Transfer.

Recipient Unable to Answer Security Question
Recipient failed to answer the security question correctly.
You must redeposit this e-Transfer and send a new one.

Recipient Notification Rejected
An invalid email address or text number has been entered in the recipient’s profile.
You will need to edit the email address or text number and resend the e-Transfer.

® Trademark of Interac Inc. Used under license.

A recipient has 30 days from the send date to accept an Interac e-transfer.

If the recipient declines the e-Transfer or fails to accept the e-Transfer within 30 days, Interac will trigger the Auto Reclaim feature to automatically deposit the e-Transfer back into the sender’s account. No action is required on the sender’s part.

However, in certain situations, Interac will send an email asking the sender to cancel the e-Transfer in order for the funds to be deposited back into the sender’s account. In this case, the sender will have up to 30 days to cancel the e-Transfer. If the sender does not cancel the e-Transfer within the 30 day period, Interac will initiate a refund which will be manually processed by Cambrian Credit Union.

Any fees associated with sending the declined or expired e-Transfer will not be refunded.

® Trademark of Interac Inc. Used under license.

Autodeposit automatically deposits Interac e-Transfers in your account, without having to answer a security question.*

You must register for Interac Autodeposit.

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”
4. Select “Autodeposit Settings” in the menu
5. Enter the required information:
   o Email and/or text number
   o Account where Interac e-Transfers should be deposited
6. Click the boxes to acknowledge the information entered
7. Click “Register”
8. Click "Complete Registration" in the email or text sent from Interac to activate your Autodeposit registration

* Interac e-Transfers sent from accounts at financial instructions that do not support Autodeposit will require the recipient to answer a security question and manually deposit the e-Transfer in their account.

® Trademark of Interac Inc. Used under license.

You can cancel a Pending e-Transfer that has not yet been accepted by the recipient or an e-Transfer that has been declined by the recipient.

When you cancel an Interac e-Transfer:

• The funds will be credited back to your account instantly.
• Any service charge associated with sending the e-Transfer will not be refunded.
• The e-Transfer will show as “Cancelled” in your history.

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”
4. Select “Pending” under “Send money”
5. Click "Options" beside the e-Transfer you want to cancel
6. Select "Cancel"
7. Confirm by clicking "Yes"

® Trademark of Interac Inc. Used under license.

You can resend a notification for an e-Transfer you have sent.

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”
4. Select “Pending” under “Send Money”
5. Select “Options” next to the e-Transfer you wish to resend and click “Resend Notification”

If you first edit the email address or text number on a recipient and then resend the notification, the notice will go to the updated contact, and will then update in your transaction listing.

® Trademark of Interac Inc. Used under license.

“Request Money” allows you to request an Interac e-Transfer from a person or business who owes you money.

You will be charged any applicable e-Transfer fee based on your account package.
The fee will be charged to your account only when the e-Transfer is successfully deposited to your account. The sender of the e-Transfer will not be charged a fee.

To request an Interac e-Transfer

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”
4. Click “Request Money” in the menu
5. Enter the required information:
   o Select who you want to request the e-Transfer from
   o Acknowledge that you have consent from the recipient for the request
   o Enter the requested amount
   o Select the account you want the e-Transfer deposited to
   o You can choose to send a message to the recipient
6. Click “Submit”
7. Review the details and click “Confirm”

o The recipient will receive a notification from Interac that you have requested an e-Transfer.
o If the recipient accepts the request: you will receive a notification from Interac when the e-Transfer has been deposited to your account.
o If the recipient denies the request and /or blocks the initiator: you will receive a notification from Interac that the request has been denied or that you have been blocked by the recipient of your request.

You can review, edit, cancel or resend a notification for e-Transfer Requests in Pending e-Transfers. You can have up to 50 Pending e-Transfer Requests.

® Trademark of Interac Inc. Used under license.

If someone sends you an Interac e-Transfer, you will receive notification from Interac via email or text.

If you are registered for Autodeposit, the e-Transfer will be automatically deposited in your account.

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If you are not registered for Autodeposit:

1. If you know the e-Transfer is legitimate, click on the link in the email or text
2. Select the Province = Manitoba
3. Select the Credit Union = Cambrian Credit Union
4. Login to Commercial Internet Banking
5. Answer the Security Question correctly
   If you answer incorrectly 3 times, the sender will need to cancel the e-Transfer and resend a new one.
6. You can choose to send a message to the sender
7. A confirmation email will be sent to the sender

® Trademark of Interac Inc. Used under license.

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”
4. Enter the details of the e-Transfer:
   • Select the account you want to transfer from
   You cannot send an e-Transfer from an account that requires more than one signer.
   • Select the recipient
   If you need to add a recipient, select the person icon to "Add Recipient".
   • Select either text, email or both
   • Enter the transfer amount
   • You have the option to add a message to the recipient
   • Create a security question and answer
   You can click "Re-use security question and answer for recipient" or you can create a Security Question & Answer for this e-Transfer specifically.
   Do not put the answer to your security question in the "Message" box.
5. Click “Submit”
6. Review the details and click "Confirm"
7. You will receive "Transaction Complete"

To review, edit or cancel a pending e-Transfer, see Pending e-Transfer.

New recipients may take up to 30 minutes to receive the first e-Transfer; subsequent e-Transfers to these recipients should be processed in a few minutes.

Interac e-Transfers to new recipients or larger amounts may also take up to 30 minutes to be processed.

® Trademark of Interac Inc. Used under license.

Add/Delete/Edit Recipient

To access Interac e-Transfer service

1. Select “Transfer” in the top menu of CIB
2. Select “Interac e-Transfer” in the side menu
3. On the Interac e-Transfer page, click “Continue”

Add Recipient

1. Click “Manage Recipient”
2. Click the person icon to “Add Recipient”
3. Enter details and click “Continue”
4. “Edit” or “Confirm” the recipient

Delete Recipient

1. Click “Manage Recipient”
2. Click the garbage can icon to “Remove Recipient”
3. Click “Submit” to confirm

Edit Recipient

1. Click “Manage Recipient”
2. Click the pencil icon to “Edit Recipient”
3. Click “Yes” to confirm

® Trademark of Interac Inc. Used under license.

The first time you use the Interac e-Transfer service, you will be prompted to create your Sender Profile. If required, you will be able to edit this information in the “Interac e-Transfer Profile” menu.

1. On the “Create Your Sender Profile” page your legal or trade name will automatically fill in the name field
2. Enter your email address and/or text message number in the applicable fields
3. Click “Save”

® Trademark of Interac Inc. Used under license.