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Frequently Asked Questions

The Northern Savings Mobile App is free for our members to download, and you will never be charged for using the app. However, since the mobile app uses data your carrier may charge data and messaging rates.
The Northern Savings Mobile App can be downloaded in just three easy steps:

For iPhone users:
  • Using your iPhone, search for "Northern Savings" in the App Store
  • Select the app icon, and verify that the author of the app is Northern Savings
  • Tap the icon marked "Free," then tap again when it changes to "Install"
For Android users: 
  • Using your Android device, search for "Northern Savings" on Google Play
  • Select the app icon and verify that the author of the app is Northern Savings
  • Tap the icon marked "Install" then tap "Accept" in the next screen
The unique QuickView feature displays the balances of your selected accounts at any time the app is open, without needing to login first.
The default setting of the QuickView feature is "Off". You can turn on QuickView under Settings / Preferences on the mobile app.
Yes. Just enter your account details as you normally would.

No. Since the authenticity of the app is already verified by Apple / Google Play, you won't have to go through this step to access your accounts and start banking.

Your account can only be accessed by entering your personal access code. However, if you've activated the QuickView feature, your account balances will be visible. For additional security, we recommend you keep your iPhone password protected. Please note: at any time, you can stop the mobile app from accessing your account information by un-pairing it on our banking website. As a rule, you should contact your mobile carrier right away to deactivate your phone. You may also change your personal access by contacting us.

Removing the app is as easy as tapping and holding your finger down on the Northern Savings Mobile App icon, then tapping the "X" in the top right corner.

Northern Savings Savings members who are outside of Canada or using non-Canadian mobile devices may not find the Northern Savings Savings app in iTunes. It is necessary to temporarily change the country setting in your iTunes account to access the app. See this link for instructions from Apple.

Frequently Asked Questions

It is an easy, secure, quick and convenient way to send or receive money. Recipients are notified by email and/or text message and must login to their online banking to accept the transfer.

Actually, there is no money attached to emails or text messages. Instead, financial institutions use standard practices for safe money transfers. However, there is a risk if your account gets hacked, we strongly suggest you set up our Alerts feature on your account to protect you. 

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 minus the sending fee.


As long as your financial institution offers the service and you use online banking, it's free to receive an Interac e-Transfer.

Recipients can still receive the money by registering with Interac and providing their banking information. The deposit usually takes four to six business days and Interac charges a $4.00 administration fee, which is deducted from the total amount of the transfer.

Yes, provided you have an account at a Canadian financial institution. However, you'll have to register with Interac and provide your banking information. The deposit usually takes four to six business days and Interac charges a $4.00 administration fee, which is deducted from the total amount of the transfer.

This is the short code from which all Interac e-Transfer text notifications are sent.

If you provide only a landline as the way to notify a recipient, you'll be informed that the transfer could not be completed. You'll need to provide new contact information – either a mobile phone number or email. If, however, you provide a landline and an email, the recipient will be notified via email.

Yes, and delegates can too.

No. In order to send and/or receive Interac e-Transfers, both senders and recipients must have accounts at Canadian financial institutions. The transfer must also be in Canadian dollars.

For recipients, it takes approximately 30 minutes for notifications to be received. As soon as the notification is received, the recipient can deposit the money. As a sender, the money is debited from your account immediately after finalizing the transfer.

You can cancel the transfer anytime until the recipient accepts it. Generally, it takes 30 minutes for notifications to be sent to recipients. To cancel a transfer, click on the 'Cancel' link beside the list of pending transfers.

If a transfer hasn't been accepted within 30 days, it will automatically expire and the sender will be notified. The sender can either click on the 'Cancel' link beside the list of pending transfers or let Interac cancel the transaction. Money will be returned to the sender within seven days of cancelling the transaction, however, fees charged at the time of sending the transfer are not reimbursable.

You can also send reminders to recipients who have yet to accept transfers by clicking on the 'Resend Notice' link beside the list of pending transfers.

In that case, you'll be notified and prompted to login to your online banking to cancel the pending transfer.


Frequently Asked Questions

Deposit Anywhere is a feature on our banking app that allows you to deposit cheques by taking a photo of them and submitting them to our financial institution, anywhere, day or night.

Deposit Anywhere is available in the Northern Savings' Banking App. Available at the App Store or Google Play Store.

Depositing a cheque with Deposit Anywhere is easy. Open up our mobile banking app, tap the “deposit” button, select the account you’d like the funds deposited to, enter the amount, take a photo of the front and back of the cheque, confirm the details and tap “submit”. The funds will then be deposited securely into your account.


No. There are no fees to use this service.

You can deposit cheques payable in Canadian Dollars and drawn at any Canadian financial institution. They must be payable to, and endorsed by, the account holder. US and Foreign currencies are not accepted.

In the rare circumstance that there is an issue with the deposit after you receive confirmation during the deposit, you will be contacted by us.

No. Once you have submitted the cheques using Deposit Anywhere, you do not need to send the cheques to the branch.

We encourage you to keep any cheques deposited through this feature for 90 days and to destroy the cheques after 120 days.

Sometimes mistakes happen. But not to worry, we will double check all the information to ensure the right amount is deposited quickly and securely into your account. If you do have any questions about the cheques you submit, you can email us at or contact your branch, and we’ll be happy to assist you.

Similar to deposits at an ATM or in the branch, standard holds on items apply and the funds may require time to clear.

Yes. As a feature of our mobile banking app, Deposit Anywhere meets the same high standards as our mobile and online banking services.

If you are experiencing techincal difficulties with this feature, please contact us or our technical support line.


Frequently Asked Questions

  • 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

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

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.

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.

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.

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.

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

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.

Yes, and delegates can too.

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.

Frequently Asked Questions

  • 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.

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.

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.

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.

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.

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.


Ways to Bank

Explore all the ways to manage your Northern Savings accounts.

Service Fees

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Security Features

We offer a wide range of features to keep your accounts safe.

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