Everything you need to know about EVERYTHING!

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:

1. Go to ‘Messages and Alerts'
2. Select ‘Manage Alerts'
3. Select 'Add a New Alert'
4. Security Alerts Dropdown: 'Add' the alerts you want active.
5. Balance and Activity Alerts Dropdown: 'Add' the alerts you want active.
6. Create Alert Select: 'By email' and/or 'By text'        
7. Go to 'Submit'                                                                                                                                                                                                                                                                                                                                                                     

 Mobile Banking

1. Go to 'Alerts'.
2. ‘Manage’ select the type of alerts you want active.
3. Select 'Agree'.
4. Choose a contact method.
5. Select 'Save'.

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:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers’.
3. Under Interac e-Transfer®.
4. Click ‘Edit Sender Profile’.
5. You will be asked to enter and confirm your information – name, email, mobile phone.
6. Click ‘Continue’.

Mobile App:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘INTERAC E-Transfer’.
3. Tap ‘Settings’.
4. Click ‘My Profile’.
5. Add and verify your details. - name, email, mobile phone.

Click ‘Save’.

Online Banking:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers’.
3. Under Interac e-Transfer®.
4. Click ‘Add/Delete Contacts’.
5. Click the +Add Contact Icon
6. Enter the name of the person you wish to add.
7. Enter their email address/mobile phone number.
8. Select language preference – defaulted to English.
9. Select the notification method using the drop-down menu.
10. Enter the security question and the answer.
11. Verify the information you have entered is correct.

Click ‘Confirm’

Mobile App:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘INTERAC e-Transfer’.
3. Click ‘To:’.
4. Click ‘Add Contacts’.
5. Select: How would you like to add a new contact?
6. Enter the name of the person you wish to add.
7. Enter their email address/mobile phone number.
8. Select language preference – defaulted to English.
9. Enter the security question and the answer.
10. Click ‘Add Contact’.
11. Confirm the details of the contact added.
12. Click ‘Back to Send Money’.

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:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers’.
3. Under INTERAC e-Transfer®.
4. Click ‘Send Money’.
5. Transfer From: select the account you wish to send from Transfer To: select the contact you want to send money to from the dropdown menu.
6. Enter the amount.
7. Add an optional message if you like.
8. Click ‘Continue’.
9. Confirm details.
10. Click ‘Continue’.

Mobile App:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘INTERAC e-Transfer’.

             From: select the account you wish to send from.

Transfer To: select the contact you want to send money to from the dropdown menu.

1. Enter the amount.
2. Add an optional message if you like.
3. Click ‘Continue’.
4. Confirm details.

Click ‘Continue’

Radius Credit Union members can receive an INTERAC e-Transfer® transaction.

1. Click or tap the link in the email or text notification indicating you have received a new INTERAC e-Transfer transaction.
2. Skip over 'Find your Financial Institution' as this will not populate Radius Credit Union.
3.  Select Province as 'Saskatchewan' first, then credit union as 'Radius Credit Union'.
4.  Click or tap 'Deposit'.
5. Sign in to Digital Banking via the app, mobile web or desktop. Choose the Radius Credit Union account into which you wish to deposit the money.

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:

1. Bypass selecting Radius/clicking on the logo
2. Scroll down to “Select a different financial institution”.
3. Select Radius Credit Union from the list.

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:

1. Sign in to digital banking on desktop/tablet.
2. Go to 'Transfers'.
3. Under Interac e-Transfers, select 'History'. Pending transactions can be viewed here.
4. Go to 'Pending'
5. Go to the three red dots on the e-transfer in question.
6. Select 'Resend Notice' or 'Cancel'.
7. Transaction successfully cancelled. The funds will be deposited back into the account where they were originally transferred from.

Mobile App:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘INTERAC e-Transfer’.
3. Tap ‘Pending’at the top left corner.
4. Tap the e-Transfer you would like to cancel.
5. Select ‘Cancel’(X).
6. Tap ‘Continue’.

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:

1. Sign in to digital banking on desktop/tablet.
2. Go to ‘Transfers’.
3. Under Interac e-Transfer®.
4. Click ‘Autodeposit'.
5. Click 'Add email'.
6. Enter the email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgement and click ‘Continue’.

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:

1. Sign in to digital banking on the mobile app.
2. At the bottom of the screen tap ‘INTERAC e-Transfer’.
3. Tap ‘Setting’at the top right corner.
4. Tap ‘Autodeposit'.
5. Click the +Add Email
6. Add Email, Enter the email address you would like to register and choose which account you would like your money to be automatically deposited into.
7. Agree to the acknowledgements and click ‘Update’.
8. Confirm your autodeposit details and click ‘DONE’.

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 answer must be one word.
• The answer must not contain any blank spaces.
• The answer is not case sensitive and letters and/or numbers are accepted.
• The answer cannot contain special characters (i.e., &, $, etc.).
• The answer should be kept strictly confidential between the sender and recipient.

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:

• The recipient declined the transfer.
• The 30-day time period for the recipient to claim the transfer has expired.
• The e-mail address you entered for your recipient is invalid.
• The recipient was unable to answer the security question correctly.

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.