Your personal e-Transfer limits are:
$3000 Per Transaction
$10,000 Per Week (7x24 hour period)
$20,000 per month (30x24 hour period)
Unfortunately, these limits cannot be adjusted.
If you were provided with an invalid e-mail address, you will be notified via e-mail that the transfer notification was undeliverable. You can readdress and resend the transfer or cancel the pending transfer and the original amount (less the service charge) will be credited back to your account. If you were provided an invalid e-mail address, but provided with a valid mobile phone number, you will not be notified by e-mail that the transfer was undeliverable. If you have provided an invalid mobile phone number and chose to notify your recipient by mobile phone only, you will not be notified in any way that the SMS text message did not go through.
We would be more than happy to get you back on your online/mobile banking right away, give your local branch a call and we will unlock and/or reset your right away! We can only assist with resets and unlocks during regular business hours.
Your current PAC (Personal Access Code) will need to be reset every 180 days from the day you first used that PAC. The last 10 passwords cannot be reused.
Alerts help protect you against potential fraud. You will get notification by text or email when activity occurs on your online banking. You can receive alerts for things such as PAC changes, locked accounts, online logins, and new e-transfer activity; this way you will be notified if any irregular activity occurs.
Online Banking:
Mobile Banking
A strong PAC (Personal Access Code) must be a combination of 9-30 alpha and numeric values, must contain at least one upper case and one lower case alpha, and one numeric value. Special characters are optional but you can use @ # $ | !
If you have an INTERAC e-Transfer profile already set up, just sign into Radius Credit Union Digital Banking and you will be able to send and receive e-Transfer transactions.
If you do not have an INTERAC e-Transfer profile created, follow these steps:
Online Banking:
Mobile App:
Click ‘Save’.
Online Banking:
Click ‘Confirm’
Mobile App:
Note: 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 edit a recipient's information at any time or delete a recipient if you no longer need to send them money by 'Manage Contacts'.
Online Banking:
Mobile App:
From: select the account you wish to send from.
Transfer To: select the contact you want to send money to from the dropdown menu.
Click ‘Continue’
Radius Credit Union members can receive an INTERAC e-Transfer® transaction.
When receiving an INTERAC e-Transfer for the first time in the new Digital Banking platform and if you had received INTERAC e-Transfers previously, you may be presented with the Radius CU name and logo. If this is the case, please follow these steps:
The reason for this is due to your device remembering where to go, which is the old platform that is no longer there. Once you complete this process for the first time, your device should remember where to go (which is the new digital banking) and you will not have to repeat these steps.
You can cancel an Interac e-Transfer transaction before it has been deposited by the recipient.
Online Banking:
Mobile App:
Transaction successfully cancelled. The funds will be deposited back into the account where they were originally transferred from.
Note: Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address or mobile phone number before you send money.
Note: You can set up auto deposit for received e-Transfers with your email address, e-Transfers sent to a mobile phone number will not autodeposit.
Online Banking:
A Verification email message will be sent to you to complete the registration. You will have the option of either completing the registration or declining it.
Mobile App:
A Verification message will be sent to you via email to complete the registration. You will have the option of either completing the registration or declining it.
An e-mail and/or SMS text message notifying the recipient of their INTERAC e-Transfer is sent after the sender completes the INTERAC e-Transfer, which may take up to 30 minutes or less. Once the recipient receives notification, they can complete the deposit process.
NOTE: If your recipient's Financial Institution does not subscribe to the INTERAC e-Transfer service, they can still deposit their funds using the Acxsys Transfer process. This method of depositing an INTERAC e-Transfer generally takes 3-5 business days, although it may take longer.
The security question verifies the recipient's identity and protects your funds from being received by the wrong person. The question must be answered correctly to complete the deposit process. It is the sender's responsibility to create a security question and answer known only to the recipient.
Guidelines for the security answer:
The security question and/or answer must not be included in the optional message attached to the INTERAC e-Transfer.
The recipient will receive an email or SMS reminder of the outstanding transfer 7 days after it has been sent, then again at 14, 21 and 28. After 30 days, the transfer will expire, and the recipient will no longer be able to deposit the funds. At that time the sender will be notified and can cancel the expired transfer to redeposit the funds.
The sender will be notified by e-mail when an INTERAC e-Transfer cannot be completed because:
Once the sender receives this notification, they can follow the links in the message to cancel and re-deposit the funds. Service charges are non-refundable.
There are several error messages which can be generated while using the INTERAC e-Transfer feature, which may include the following:
Exceeds sending / receiving limits, for a single transaction, a week, or a month.
The account you are attempting to send from or deposit to is restricted from use with this feature.
The communication between Internet Banking and your credit union's banking system has timed out.
For more assistance, please contact your local branch.