Interac Enhanced User Features

INTERAC eTransfer® Request Money and Autodeposit allow you to quickly and securely move money between friends, family, and even other businesses.

Autodeposit allows you to receive money via INTERAC eTransfer® without the need to answer a security question for each transaction – Autodeposit links your email address to your Northern Savings account, so all transfers sent to that address will be deposited automatically and securely into your account.

With Request Money, friends, family, or customers who owe you money will receive an email they can respond to immediately via INTERAC eTransfer® – and it’ll even remind them if they forget.

Autodeposit FAQs

How do I set up Autodeposit? Expand/Collapse

  • Log in to your Northern Savings online or mobile banking
  • Click on Transfers
  • Click on Send Interac e-Transfer
  • Click on Autodeposit
  • Complete the Autodeposit Registration and acknowledgements section and then click Register

Is Autodeposit secure? Expand/Collapse

The Autodeposit feature of INTERAC eTransfer® has the same bank-grade security as is standard with the INTERAC eTransfer® service.

How do I know I have received money through Autodeposit? Expand/Collapse

Each time you receive funds through Autodeposit, you will receive an email with the senders' name, the amount deposited and any message the sender included. You can also verify by checking your account balance or statement with our app or in online banking.

How quickly will I receive funds through Autodeposit? Expand/Collapse

Money being sent to a recipient registered for Autodeposit will take the same time as a regular INTERAC eTransfer® transaction. Most transfers will be sent in near real-time, however, there could be a slight delay based on the amount of the transfer, and if the recipient and sender have a history of eTransfers.

What should I do if I did not receive the Autodeposit registration email? Expand/Collapse

If you have not received the Autodeposit verification email from INTERAC, be sure to check your junk email folder. If you still cannot find the notification, ensure you have entered the email correctly, you can do this by logging back into online banking or our app.

Why did I get asked the security question after I registered for Autodeposit? Expand/Collapse

If the sender’s Financial Institutions hasn’t upgraded to the INTERAC eTransfer® Autodeposit feature, you will still be required to manually answer the Security question.

Also, your Autodeposit registration could still be in "pending" status. If this is the case, you will need to go to the email sent by Interac to confirm your registration.

How can I tell the INTERAC notification email is legitimate? Expand/Collapse

Always use caution prior to clicking on any links within a notification. Only action on email notifications when you are expecting someone to send you money. If you suspect a notification may be fraudulent, forward the notification to

How do I change my email address or deactivate Autodeposit? Expand/Collapse

To update the email address for an Autodeposit registration, login to Northern Savings' online banking or our mobile app and navigate to the INTERAC eTransfer® Autodeposit tab and choose to edit or delete the AutoDeposit set-up.

Are these new features available for MemberDirect Small Business? Expand/Collapse

Yes, AutoDeposit and Request Money are supported for MemberDirect Small Business. 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.

Request Money FAQs

How do I request money? Expand/Collapse

  • Log in to your online banking or mobile banking and navigate to Interac eTransfer® and then select "Request Money".
  • Add or select a contact and fill out the name and email address or mobile phone number of the person you wish to send the request to.
  • 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 or invoice number with the request.

Do Request Money transactions expire? Expand/Collapse

Once sent, INTERAC eTransfer® Request Money transactions are available for payment for 30 days. INTERAC will send an email reminder to the recipient automatically after 7 days and you also have the option to send up to 5 manual reminders to request payment within the 30 day time period.

Will I be notified that the Request has been fulfilled? Expand/Collapse

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

Is there a fee to Request Money? Expand/Collapse

Yes, the requestor will be charged a fee of $1.00 per transaction. The fulfiller may also be charged a fee from their financial institution.

Can a Request Money be declined? Expand/Collapse

Yes, request can be declined by selecting the decline option within the notification or on Interac’s page showing details of the request. If the person provides a reason for declining the request, this information will be conveyed to the requestor.

How does a person fulfill a Request for money? Expand/Collapse

They will need to click the link that appears in the notification to login to their online 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 once the funds are deposited into their account.