Step 1

Log on to YNCU Online or Mobile Banking, and click on the Transfers tab.

Step 2

Choose Send INTERAC® e-Transfer within the Transfer menu options.

Step 3

Click Create your Sender Profile
(one time set up only).

Step 4

Enter your name, email address, mobile phone number (optional), and preference for how you wish to receive notices by. You can choose: email address, mobile phone number, or both.

Step 5

Click Create Profile.

Step 6

A receipt screen will display.

Step 1

Click Add a Recipient.

Step 2

Enter the recipient's name, email address, mobile phone number (optional), and preference for how they wish to receive transfers by. You can choose: email address, mobile phone number, or both.

Step 3

Enter a security question and a one word answer.

Note:
The answer word is case sensitive.
The recipient must answer this question in order to receive your Interac e-Transfer.
If need be, call the recipient ahead of time and provide them with the correct answer.

Step 4

Click Add Recipient.

Step 1

Click Send INTERAC® e-Transfer.

Step 2

Select the Recipient you would like to send money to.

Step 3

Select which account you would like the money to come out of.

Step 4

Enter the amount of money you would like to transfer.

Step 5

Write a message for your recipient.
For example what the money is for.

Note:
Do not put the answer to your security question in your message.

Step 6

Click Send Transfer.

Step 7

A confirmation screen will display.
If the information is incorrect, click Edit to fix your information.
if the information is correct, click Confirm.

Step 8

A receipt screen will display.
A confirmation number will also be displayed and can be used for tracking purposes.

Step 1

The recipient will receive a transfer notification email sent to their email account, mobile phone, or both.

Step 2

Click on the link under Action Required.

Step 3

From the drop down menu under
"...at a credit union in", select Ontario.

Step 4

From the second drop down menu, select
YNCU.

Step 5

Click on the Deposit button.

Step 6

You will be prompted to log in to YNCU Online Banking.

Step 7

Answer the security question.
Then click Continue.

Step 8

Select Accept this transfer and place it in account.

Step 9

Select the account you would like the funds to be deposited into. Type a message (optional) to the sender. Then click Continue.

Step 10

A confirmation screen will display.
If the information is incorrect, click Edit to fix your information.
If the information is correct, click Confirm.

Step 11

A receipt screen will display.

Step 1

Click on Pending INTERAC® e-Transfers from the Transfers tab in Online Banking.

Step 2

When a transfer request is first sent, the status is listed as Transfer Requested.

Step 3

After 30 minutes, an email notification is sent to the recipient, and the status changes to Recipient Notified.

Step 4

You may cancel the transfer before the recipient accepts it by clicking on Cancel. However, the service charge will not be refunded.

Step 5

You can resend a notice to the recipient reminding the individual to accept the deposit by clicking on Resend.

Step 6

After the funds are deposited into the recipient's account, the transaction is removed from the pending list, but can be viewed under Search INTERAC® e-Transfer History.