Interac® e-Transfer

Interac® e-Transfer

Send and receive money quickly, conveniently, and safely using your mobile phone or computer with Interac® e-Transfers. All you'll need to know is the recipient's email or mobile number. No account information is required. You can even transfer on-the-go, by accessing EKC's Online Banking through a smart phone. Anyone with an account at a Canadian financial institution can send and receive an Interac® e-Transfer anytime, anywhere.

Sending

  • No Minimum transfer amount
  • Maximum amount per transaction outgoing (send) $6,000
  • Maximum amount per day outgoing (send) $20,000
  • Maximum amount per 7 days outgoing (send) $20,000
  • Maximum amount per 30 days outgoing (send) $40,000

Receiving

  • Maximum amount per transaction incoming (receive) $10,000
  • Maximum amount per day incoming (receive) $20,000
  • Maximum amount per 7 days incoming (receive) $140,000
  • Maximum amount per 30 days incoming (receive) $600,000

 

Request Money and Autodeposit Now Available


Request Money
This feature allows Members to easily request money they are owed or to use as a friendly reminder when friends or family may have forgotten to pay them back.

Using online or mobile banking, our Members select a contact, enter an amount and an account where funds are to be deposited as part of the request. There is even an option to add a personalized message. And if it’s a business, enter an invoice number. That’s all there is to it.

An Interac e-Transfer notification will then be sent to the contact. Once they receive the notification, they can fulfill the request by logging into their online banking, and the funds will be immediately deposited into our Members bank account.

Autodeposit
The Autodeposit feature is a secure way to receive money without having to answer security questions for every transaction. It is designed to make receiving money even simpler by linking your email address to a bank account at EKC.

  • When an Interac e-Transfer is sent to the Member the payment will automatically be deposited into the bank account associated with that email address.
  • Members will receive a notification that funds were deposited.
  • Now, there is no need to select the Financial Institution, login to online banking and answer a security question.
  • Our Members just need to select ‘Autodeposit’, enter their email address and select the bank account that they want associated together.
e-Transfer Enhanced User Features FAQ



Interac® e-Transfer FAQs

Have a question about Interac® e-Transfers? We're here to help with answers to a list of the most frequently asked questions below. Need more help? Please call us branch phone numbers

1. What is an Interac® e-Transfer?
An Interac® e-Transfer allows money to be sent to friends and family quickly, conveniently, and safely by email or smart phone using EKC’s Online Banking. Anyone with an account at a Canadian financial institution can receive the money, and no exchange of account information is required.

2. Are Interac® e-Transfers secure?
An email or text message acts as the notification that a transfer has occurred and provides instructions on depositing the money. The money is actually transferred over a secured network, and a security question ensures the money goes to the right person. For security, always use a unique security question and answer for each individual recipient. Ensure the email of your recipient is correct and up-to-date. Also, never put the answer to your security question in the message field when sending your Interac® e-Transfer.

3. What information do I need to make an Interac® e-Transfer?
Once logged in to Online Banking, you will need the recipient’s name, email address or mobile phone number, the transfer amount, and a unique security question and answer.

4. How do I send money?
You will need to create a recipient list before sending money to someone. The recipient’s name, email or mobile phone number, and a security question for the recipient are required:

  1. Log in to Online Banking. Go to the Transfers section.
  2. Click on the Send Interac® e-Transfer link.
  3. Select the recipient from your recipient list, the sending method (i.e. email and/or mobile phone), and the account being withdrawn, enter the money amount being sent, and a short message for the recipient.
  4. Complete the transaction by clicking Send Transfer.

Note: Do not put the answer of the security question in the personal message.

5. How do I receive money?
All EKC members are able to receive Interac® e-Transfers by email or smart phone, as long as the sender belongs to a financial institution offering Interac® e-Transfers. Any money received will be directly deposited into your desired EKC account.

  1. You will receive an email and/or text message notifying you of the transfer. Click on the link to be directed to Certapay, an affiliate of Interac® that process transfers.
  2. Select EKC from the list of financial institutions. Follow the instructions to log in to Online Banking.
  3. Enter the answer to the security question.
  4. Select the account you would like the money to be deposited.
    Note: You have the option to decline a transfer if you do not wish to have the money deposited into your account. There is currently no fee to receive an Interac® e-Transfer.

6. How do I cancel an Interac® e-Transfer?
You can cancel an Interac® e-Transfer as long as it has not been deposited by a recipient.

  1. Log in to Online Banking. Go to the Transfers section.
  2. Click on the Send Interac® e-Transfer link.
  3. Click on the Pending e-Transfer link to see the transfer that you have sent that have not yet been deposited.
  4. Click Cancel to cancel the transfer.

7. How long will it take to receive money by email or smart phone?
Once an Interac® e-Transfer has been sent, it may take 15-30 minutes or more for the recipient to receive the notification. The length of time may also be affected by your email system and internet speed. Once the recipient accepts the transfer, the money is deposited directly into their account immediately.

8. How long does the recipient have to accept an Interac® e-Transfer?
The recipient has 30 days to accept an Interac® e-Transfer. Once the Interac® e-Transfer expires, the sender receives an email indicating the transfer has expired and a link to re-deposit the funds into their account. The sender has 30 days from the date of expiry to re-deposit the funds into their account.

9. Can a recipient decline to accept the money?
A recipient can decline to deposit the money that is sent to them. The sender will receive notification that the money has been declined and the sender can then follow instructions provided to deposit the money back into their account.

10. What is the cost of sending an Interac® e-Transfer?
There is a non-refundable fee of $1.00 to send an Interac® e-Transfer. This fee will apply even if the recipient declines the transfer or the transfer expires. All EKC members can receive Interac® e-Transfers for free. Depending on the recipient’s financial institution, they may be charged a fee for receiving your Interac® e-Transfer.

11. Are any account types exempt from the fee?
Interac® e-Transfer fee currently does not apply to PlanPlus, ElectroLink, Golden, iGROW, iLEARN and iLINK accounts.

12. Are there limits to how much I can send or receive in an Interac® e-Transfer?
For security reasons, there are limits on the amount a person can send or receive in an Interac® e-Transfer.

Sending

  • No Minimum transfer amount
  • Maximum amount per transaction outgoing (send) $6,000
  • Maximum amount per day outgoing (send) $20,000
  • Maximum amount per 7 days outgoing (send) $20,000
  • Maximum amount per 30 days outgoing (send) $40,000

Receiving

  • Maximum amount per transaction incoming (receive) $10,000
  • Maximum amount per day incoming (receive) $20,000
  • Maximum amount per 7 days incoming (receive) $140,000
  • Maximum amount per 30 days incoming (receive) $600,000

13. Can I send an Interac® e-Transfer to someone outside of Canada?
Only Canadian dollars can be sent and deposited to a Canadian account. In addition, the recipient will need to have access to their financial institution’s Online Banking.

14. Can the recipient receive an Interac® e-Transfer without access to Online Banking?
Yes. The recipient will be able to deposit the money by registering with Certapay, an affiliate of Interac®.

15. What happens if I send an Interac® e-Transfer to a land line?
If you also provided an email address, the recipient will be notified by email. Otherwise, you may be informed that the transfer notification could not be delivered and will be directed to either reclaim your transfer or correct the contact information of your recipient.

16. If I pay with Interac® e-Transfer, is it the same as paying by Interac® Debit or Interac® Online?
No. While it is possible to pay for things using any of these Interac-branded services, Interac® e-Transfer is different because it is a way to electronically transfer money directly from one party to another. As such, the service has some of the advantages and disadvantages of paying with cash. Once a transfer has been deposited, it cannot be cancelled or reversed. Like using cash, you should send money transfers only to parties you know and trust. For most uses of the Interac® e-Transfer service (sending money to family and friends, repaying IOUs, sending monetary gifts, etc.), you know the recipient well. For uses where you may not know the receiver well (e.g., online auction purchases), take the precautions you would take when making cash purchases. For auctions and online purchases, be sure to read and follow steps as recommended by operators of these websites to protect your money.

Interac e-Transfer Enhanced User Features FAQ

1. Autodeposit

1.1 What is Autodeposit?
Autodeposit allows a recipient to register their email address with Interac to receive funds directly into an assigned account without needing to answer the usual security question. When sending an Interac e-Transfer®, the sender is made aware in online banking that the recipient is registered for Autodeposit. Transfers sent to the Autodeposit registered email address will be automatically deposited into the assigned account.

1.2 What happens if a sender from an FI that does not support Autodeposit, sends an Interac e-Transfer to a recipient who has registered for Autodeposit at another FI that does?
Any Send Money Interac e-Transfer sent from an FI that does not support Autodeposit will require a receipient to select their financial institution (FI) and answer security question to receive funds. The behaviour for receipient, without Autodeposit, will be the same as with the existing Interac e-Transfer Send Money* feature.

*Send Money is the existing Interac e-Transfer feature that allows a sender at a Canadian FI to 'send money' viaemail or SMS to a recipient who can receive funds at the same or another Canadian FI.

1.3 What is the security question and answer for?
The security question & answer is the shared secret between the sender and recipient of the Send Money e-Transfer. It is one of the methods for validating the recipient of the money transferred using Interac e-Transfer. Recipients who have registered their email addresses for Autodeposit will not need to answer the security question before the transfer is deposited into their account. Members will need to set up the security question & answer for their recipients even if they have registered for Autodeposit. Senders are made aware of whether their recipient is registered for Autodeposit only in the Send Money feature.

1.4 How would the member know that the Interac e-Transfer notification received is real?
Members should always be careful prior to clicking on any links within a notification. Members should only action on email notifications when they were expecting someone to send them money. If they suspect a notification may be fraudulent, have them forward the notification to phishing@interac.ca

1.5 The member has closed their bank account that had a registration for the Autodeposit feature. Will they keep receiving money?
No, the member will not be able to receive funds automatically if their bank account has closed. Interac® will work with the member's CU to ensure that if an account is closed, the Autodeposit registration is deactivated and no more funds will be deposited.

1.6 What if the recipient doesn't know the answer to the Security Question or enters the wrong answer multiple times?
If the recipient doesn't know the answer to the Security Question, have the recipient contact the sender. If the recipient answers the security question incorrectly more than 3 times, the transfer will automatically cancel and the sender will need to reclaim their funds.

1.7 The member has registered for Autodeposit but still receives Interac e-Transfer®transactions that require them to manually deposit transfers by answering a Security Question & Answer. Why?
Not all Financial Institutions have the ability to send funds to registered recipients who have the Autodeposit feature turned on.

1.8 How will the member inform the sender to use the Autodeposit feature?
The member doesn't have to tell the sender to use the Autodeposit feature. As EKC is enabled to send to a recipient who is registered for the Autodeposit feature, they will automatically be able to send money to the member through the Autodeposit feature.

1.9 Are there different limits when sending an Interac e-Transfer transaction to a recipient that is registered for Autodeposit?
No, the Autodeposit feature of Interac e-Transfer has the existing limits for sending and receiving funds.

1.10 Why does the member see another name for their recipient being prompted if this is who they are trying to send money to?
When the member sends money to a recipient who has enabled the Autodeposit feature, the recipient's legal name or company name will also be displayed to ensure that the member is sending funds to the intended recipient.

1.11 How many emails can the member register for the Autodeposit feature?
The retail member can register up to 5 email addresses (MDSB users up to 100 emails) with each e-Transfer profile for the Autodeposit feature. Once an email is registered for the feature, it can be used again with another e-Transfer profile at another financial institution by registering the same email at that FI. The Autodeposit registration verification email will allow the member to confirm the email newly registered at the new FI and remove the previous registration at the old FI.

1.12 The member had 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.

1.13 If the member sends money to a recipient, how will they know if their recipient has the Autodeposit feature enabled?
The member will know if their recipient has the Autodeposit feature enabled when they are creating the money transfer because the Security Question 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.

1.14 How long will it take for the money to be received by the 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.

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

1.16 Can the member cancel the Interac e-Transfer transaction when it is going to the 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 needs to login to EKC'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.

1.17 Can the member still add a Security Question & Answer for the transfer for their recipient who has 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.

1.18 Once the member has registered for the Autodeposit feature, how will they know when someone sends them money?
The member will receive a notification by email everytime that they receive funds through the Autodeposit feature, letting them know that money has been deposited into their bank account and the details associated with the transfer (from who and any messages provided by the sender).

1.19 Why does the member 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.

1.20 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 for a year.

1.21 How can the member change the email address for their Autodeposit registration?
The member will need to login to their online account and access the Interac e-Transfer® Autodeposit Settings page where they can delete the registration with the incorrect email and add the revised email address for registration. They will then need to confirm the revised email address from the Autodeposit registration verification email.

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

1.23 If the member registers for Autodeposit with a new email address, but a sender sends them an e-Transfer to both their email address and mobile phone number, how will the member be notified?
The member will be notified via email only when the funds have been deposited directly into their account. This is because when the member registered for Autodeposit, they indicated that they will be notified via that email address only.

1.24 The member used to be registered for the Autodeposit feature but it is no longer active. How can they re-activate their registration?
To re-activate their Autodeposit registration, the member must login to EKC's Interac e-Transfer Autodeposit Registration or Autodeposit Settings and re-register their email address again.

1.25 How can the member delete their Autodeposit registration?
To delete an email registered for Autodeposit, the member will need to login to their online account and access the e-Transfer Autodeposit settings page to delete the email currently activated for Autodeposit.

1.26 Can the member register the same email for Autodeposit at multiple financial institutions?
Each email address can be activated at only one financial institution at a time. If the member registers and activates the email address at one financial institution, then later registers and activates this same email address at another financial institution, the email address at the first financial institution will be deactivated automatically allowing funds to be sent to the second financial institution subsequently.

1.27 Does the member need to register for Autodeposit before initiating Request via Interac e-Transfer®?
No, registering for Autodeposit allows recipients of Send Money via Interac e-Transfer transactions to be identified (via their email address) as being able to have funds automatically deposited into their account without any manual intervention as long as the sender’s FI supports the Autodeposit Awareness feature. It is a one-time registration per email and applies to all future transfers to the member’s email address. A member initiating a request selects an account where funds from the fulfilled request will be automatically deposited into. This automatic deposit is applicable only once for the specific request. Every request initiated will require the member to select an account to deposit funds from fulfilled requests into.

2. Request Money

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

2.2 What does a Request Money notification look like?
Request Money notifications look similar to the current Interac e-Transfer® notifications for sending funds except that they include the legal name of individual or business making the request. Here is a sample email of Request Money:



2.3 Is there a separate gateway page that lists the FIs supporting the Request Money feature?
Yes. All financial institutions that offer the Request Money feature will be listed on a separate Interac e-Transfer gateway page where responders of requests can select their financial institution. Here is an example of what the Request Money gateway page looks like:



2.4 EKC's logo is not on the Request Money gateway page. Why is that?
Due to Interac’s constraint at displaying all financial institutions’ logos, credit unions that offer Request Money can be found in the province or territory drop down list.

2.5 Can these money requests be used by fraudsters for phishing?
Notifications from Interac via SMS or email for Send or Request Money transfers could be utilized for phishing purposes. Since phishing is generally used to gather online banking credentials, we strongly recommend that you advise your members to only respond to Interac notifications from senders they know. Interac does provide the legal name of individuals and businesses for Request Money transfers in their notifications which can help your members determine if the notification is legitimate.

For most up to date information on Interac e-Transfer related fraud or scams in the industry, please visit the Interac FAQ on security: (http://interac.ca/en/faq/cat/40-security.html)

2.6 Are there limits for requesting money using e-Transfer?
Like most other financial transactions, there are limits on the amount that can be requested. The amount indicated in a request cannot exceed this transaction limit (currently set to $3,000). When the request is accepted, the regular outgoing e-Transfer limits for that fulfiller will be checked against the banking host and Interac. When the fulfilled request is being deposited into the requestor’s account, the regular incoming e-Transfer limits will be checked against the banking host and Interac.

2.7 The member received an Interac e-Transfer request for money but their FI isn't listed as supporting Financial Institution. What can they do?
If the member's Financial Institution isn't supporting the Request Money feature, they can decline the request with a message to the requestor. Alternatively, the member can also send a regular Interac e-Transfer transaction to the requestor, in lieu of fulfilling the request for money.

2.10 Can fees be charged for fulfilling requests?
Interac’s intention is to make it attractive for people to fulfill requests. They encourage no fees or an amount less than what is charged for sending money via e-Transfer. The technical design ignores any fees returned by banking hosts for fulfilling requests.

2.11 How long will it take to receive a request notification once the member’s contact sends the member a Request using Interac e-Transfer?
Request Money notifications are sent in near real-time.

2.12 The member had 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.

2.13 The member had received a text message notification from Interac e-Transfer but doen’t want to pay any data charges on their mobile phone and/or cannot access the web. What should they do?
If the member’s mobile phone is not web-enabled, or they would prefer not to deposit the transfer using their mobile phone, then they will need to type the link provided in the text message into their web 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.

2.14 The member has received a text message from Interac, but did not opt in to this service. How do they stop receiving Interac e-Transfer text messages?
The text message was sent to the member because someone chose to send or request money to/from the member using Interac e-Transfer and notify them via text message. The member can let this person know that they do not want to receive these messages. The sender can use the member's 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.

2.15 Can the member 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, andinstructions 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.

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

2.17 Can the member edit or cancel a money request they had initiated?
Yes, the member can edit or cancel a money request they had initiated by logging into their 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.

2.18 Can invoices be attached while requesting money?
At this time, members cannot attach an invoice when requesting money through Interac e-Transfer®. However, members can include an invoice number and invoice due date within the request for money transaction.

2.19 Who can the member request money from?
The member 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.

2.20 How will the member be notified if a request for money is sent to them?
Similar to receiving money via Interac e-Transfer, when someone requests money from the member through Interac e-Transfer, they will receive a notification to the email address or mobile number the sender had set up for them.

2.21 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. The member could also manually re-notify the recipient, as a reminder. To do this, the member must login to their Financial Institution's online banking account and select the Interac e-Transfer transaction from the Pending Transfers list to "resend notification".

2.22 How long are outstanding requests valid for?
Money Requests are valid for 30 days from the date they are requested. However, the expiry date can be extended by another 30 days if the member re-notifies the recipient of the outstanding request before it expires.

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

2.24 Once the request has been fulfilled, how long will it take for the member to receive the money?
Money being sent in response to a request for money will take the same time as a regular send 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.

2.25 How does the member fulfill an Interac e-Transfer request for money?
The member will need to click the link that appears in the notification to login to their online banking account. From there, they 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.

2.26 Will the member be debited if they get an error while fulfilling a request from the confirm page?
No, if the member reviewed and confirmed the fulfill request but was displayed an error message instead of the receipt page, the member can fulfill it again from the email notification after the error is corrected.

2.27 Can the member decline a request?
Yes, the member 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 the member provides a reason for declining the request, this information will be conveyed to the requestor.

2.28 Can the member block a requestor from requesting funds from them 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.

2.29 How can the member see who they have blocked receiving requests from?
From a request email notification received from Interac, click on the link to see who the member has blocked from sending requests for money. An Interac web page will be displayed showing the list of email addresses that the member has blocked. If the member has deleted the request emails, they can go to http://interac.ca/managepreferences to have Interac send them an email where they can access this information.

2.30 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, the member will have instant access to the money.

2.31 The member tried sending an Interac e-Transfer notification to a mobile phone number, but received an email and/or text message saying it didn't go through. Why?
The member 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 bedelivered for technical reasons (e.g. phone is off, mobile network unavailable). Mobile Network Operatordoes not support all text messages
  • Mobile Network Operator does not support all text messages

3. EUF Features for MDSB

3.1 Does registering an email for Autodeposit require 2 to sign if the member’s business has dual signing requirements?
No, only 1 approver is required to initiate a request as it eventually results in a credit to the account.

3.2 Does initiating a request require 2 to sign if the member’s business has dual signing requirements?
No, only 1 approver is required to initiate a request as it eventually results in a credit to the account.

3.3 Does fulfilling a request require 2 to sign if my business has dual signing requirements?
Yes, businesses who require 2 to sign will need 2 approvers to review and submit the fulfill request. This is because this activity results in an immediate debit to the account.

3.4 Can a request be fulfilled more than once?
No, Interac will not allow the request to be fulfilled more than once and an error message with error code 533 will be displayed if that occurs. However, there may be scenarios where small business delegates fulfill the request more than once, resulting in duplicate Fulfill Requests pending approval in MDSB’s transaction manager. The duplicate Fulfill Request should be rejected or recalled from the transaction manager queue.

3.5 Are all EUF features supported for MDSB?
Yes, all EUF features are supported for MDSB. However, similar to send or receive money features, delegates or signers are allowed to perform certain activities without approval, and in other cases additional approval will be required.
 

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