Business Ways to Bank

• If you've never sent money by email before you need to register by creating a profile:
• Log in to Online Banking and go to the Transfer Button
• Select the Send Interac e-Transfer link
• Enter your name and your email address and click Create ProfileYour profile is now created. 

Important information

• 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 Online Banking by clicking the Update Interac e-Transfer Profile link

Before you can send money to someone by email you need to add that person's name, email address and security question to your recipients list:

• In the Send Interac e-Transfer section click Edit Recipients then choose Add Recipient
• Enter the recipient's name, email address, preferred language (they will receive emails in this language when you send them money) and a security question and answer 
• Click Add Recipient to finish adding a recipient to your address list 

Important information

• 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 set up as many recipients as you like, but for your protection be sure to give them each a unique security question and answer
• You can edit recipient's information at any time, or delete a recipient if you no longer need to send them money by email

After registering and creating your recipients list you can send money by email easily.

• Log in to Online Banking and go to the Transfer Button
• Select Send Interac e-Transfer
• Select the recipient from your recipients list, select send by method, choose the account to withdraw from, enter amount of money you want to send, type a message to the recipient if you wish (this message should not contain the answer to the security question)
• Click Send transfer 

Important information

• A non-refundable service fee of $1.50 will be charged for sending money by email. The recipient's bank or credit union may also charge a service fee to receive the money
• It can take up to 30 minutes for the recipient to receive an email informing them that you have sent them money
• If the recipient has not deposited the money that you sent to them by email, you can send them an email reminder on the Pending Interac e-Transfers page
• If the money you have sent has not been deposited within 30 days, it will automatically be deposited back into your account
• Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address before you send money
• Keep the password secret so that only you and the recipient know the answer
• You can cancel an Interac e-Transfer before it has been deposited by the recipient

• Click Pending Interac e-Transfers to view money that you have sent that has not yet been deposited
• Click Cancel to cancel the transfer and to deposit the money back into your account 

Note that the $1.50 service fee will not be refunded when you cancel an e-Transfer. 

All CDCU members can receive money by email. Money received by email will be deposited directly into your CDCU account.

A friend can send you money by email if their bank or credit union offers the service. You will receive an email to deposit the money into your CDCU account:

• Click the link in the email. You will be directed to a special site operated by Certapay, an Interac subsidiary
• Follow the instructions to select At a Credit Union, Province and Creston & District Credit Union
• Follow the instructions on the Certapay site to log in to Online Banking
• Log in to Online Banking and enter the answer to the security question
• Choose the CDCU account into which you wish to deposit the money
• The money is now deposited into your CDCU account

Important information

• There is no fee to deposit money into your account that you have received by email
• If you do not want to deposit the money into your account, you can decline the transfer. The money will not be deposited into your CDCU account. You can send an email to the sender explaining why you declined the transfer.

Autodeposit is a free service that is simple to set-up and allows a recipient to register their email address with Interac® to receive funds directly into an assigned account without needing to answer a security question. When Autodeposit is enabled, the sender is notified that the recipient is registered for Autodeposit.

How To Set Up Autodeposit 

Desktop

• Log In to online banking and select Transfers in the left-hand column
• Select Send via Interac e-Transfer®
• Select Autodeposit in the central area above the 'Transfer To' section
• Enter your email address and select the account you would like to link to that email. Any transfers to the registered email address will be automatically deposited into this account. You may register up to 5 different email addresses to direct funds into different accounts associated with your login member number.
• You will receive an email to confirm your registration. Check your inbox and click on "Complete Registration" 

Mobile App

• Log in to the Creston & District Credit Union Mobile App
• Select Settings, then Interac e-Transfer®
• Select Autodeposit
• Select Add Email, enter your email address and select the account you would like to link to that email. Any transfers to the registered email address will be automatically deposited to this account. You may register up to 5 different email addresses to direct funds into different accounts associated with your login member number.
• You will receive an email to confirm your registration. Check your inbox and click on "Complete Registration"

Request Money allows members to have their recipient send them money via their online banking account by sending a request by email or SMS to any individual or business in Canada. When the request is accepted and the money is transferred, the 'requestor' is provided a notification once the funds are deposited into the account selected as part of the original request.

Once a Request Money has been fulfilled and deposited into the requestor's account, the requestor will be charged the service fee of $1.50 (except for those accounts that are exempt). 

How to Request Money

Desktop Site

• Log in to online banking and select Transfers in the left-hand column
• Select Request Money via Interac e-Transfer®
• Select the person you want to request funds from. You may choose a pre-existing contact or add a new recipient. You will need to check the box confirming that you have notified the person receiving the request, and have their permission.
• Enter the amount you are requesting and select the account you would like the funds to be deposited to. You have the option to add a personalized message, an invoice number, and a due date. This is useful for small business members.
• When the Confirm screen comes up, verify that everything is correct and select Confirm (or Edit/Cancel if required)
• Once the recipient has fulfilled your request, funds will be deposited into your bank account and you will be notified. At this time the service fee will be applied to your account.

 Mobile App

• Log in to the Creston & District Credit Union Mobile App
• Select Interac e-Transfer®, then Request in the top section
• Select the person you want to request funds from. You can choose a pre-existing contact or add a new recipient. You will need to check the box confirming that you have notified the person receiving the request, and have their permission.
• Enter the amount you are requesting and select the account you would like the funds to be deposited to. You have the option to add a personalized message, an invoice number, and a due date. This is useful for small business members.
• When the Confirm screen comes up, verify that everything is correct and select Confirm (or Cancel if required)
• Once the recipient has fulfilled your request, funds will be deposited into your bank account and you will be notified. At this time the service fee will be applied to your account.