Email Money Transfers

New! Enhanced E-Transfers

Are you ready to send, receive and request money with ease? Now you can with these NEW Enhanced Email Money Transfer features:


The Autodeposit feature allows you to have money sent via Interac e-Transfer automatically deposited directly into your bank account, without having to answer a security question. This feature continues to provide the value of e-Transfers, without the need to share financial information. For senders, there is the added convenience of not needing to convey security answers while continuing to have the security of knowing who is receiving the funds, prior to sending. 

Set-up is simple:

  1. Login to you online or mobile banking and navigate to Autodeposit (found in the Interac e-Transfer settings).
  2. Register your email address and link your account. Any transfers to the registered email address will be automatically deposited into the account.
  3. You will receive an email to confirm your registration. Check your inbox and click "Complete Registration".


Easily request money you are owed with the Interac e-Transfer Request Money feature. When you send a request for money, the recipient is notified instantly and can accept the request. If accepted, the requested amount will be automatically deposited into your account and you will be notified when funds are available. 

Set-up is simple:
  1. Login to your online or mobile banking and navigate to Request Money (found in the Interac e-Transfer settings).
  2. Add or select a contact and fill out the name and e-mail address or mobile phone number of the person you wish to send the request to.
  3. Type in the specified amount you are requesting and select the account you would like the funds to be deposited into. You can also include a personalized message with the request.
  4. Once the recipient has fulfilled your request, funds will immediately be deposited into your bank account and you will be notified immediately.

With Interac® e-Transfer YNCU Members can send and receive money from either a computer or web-enabled mobile device. The sender does not need to know the recipient’s institution or account information. Interac® e-Transfer is the secure, quick and cost-effective way to send money. It also means you’ll be able to receive an e-transfer to your account – almost instantly!

Interac® e-Transfer is a quick and convenient way to transfer money for almost anything, such as:

  • Repaying money you borrowed from a friend
  • Sending cash to children at college or university
  • Transferring your share of rent to your roommate
  • Sending money in place of a gift
  • Paying the invoices of suppliers (on single and dual-signature business accounts)
  • No more writing cheques, running to the ATM or paying fees for bank drafts.
Members are now able to see the Payee or Payer name in the eTransfer Withdrawal or eTransfer Deposit transaction! The Payee or Payer name is displayed in your Transaction History of the Member Direct Account Summary screen.


The fee is $1.25 per transfer to send money to another person.  There is no fee to receive an e-transfer to your account (the fee is paid by the sender).  There are no cancellation fees; however, the sending fee is non-refundable.  If you cancel an e-Transfer, your account will be credited with the dollar amount of the transfer but not the sending fee.

Transfer Limits

While there are no minimum amounts, there are maximums for both sending and receiving e-Transfers.

Per Transaction Per Week (last 7 days) Per Month (last 30 days)
Sending Up to $3,000 Up to $10,000 Up to $20,000
Receiving Up to $10,000 Up to $70,000 Up to $300,000

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