Send Transfer

Send Interac e-Transfer

After you've created your user profile and a recipient list you can now send an Interac® e-Transfer.

How to send money by email

  1. Log in to online banking at and go to the Transfer Money section.

  2. Select Send e-Transfer from the Shortcuts menu

  3. Enter the amount of money you want to send and the account to withdraw from.

  4. Select the recipient from your recipients list.

  5. You can enter a short message for the recipient. This message should not contain the answer to the security question.

  6. Click Continue to complete the transaction.

Important information


  •  A non-refundable service fee will be charged for sending money by email. The recipient's bank or credit union may also charge a service fee to receive the money.

  • It can take 15 minutes or more for the recipient to receive an email informing them that you have sent them money.

  • If the recipient has not deposited the money that you sent to them by email, you can send them an email reminder on the Pending Email Money Transfers page.

  • If the money you have sent has not been deposited within 30 days it will be automatically deposited back into your account.

  • Once money has been deposited by the recipient it cannot be cancelled. Be sure to verify the email address before you send money.

  • Keep the password secret so that only you and the recipient know the answer.

  • The daily maximum transfer amount is $3,000


How to cancel an INTERAC® e-Transfer

You can cancel an INTERAC® e-Transfer before it has been deposited by the recipient.

  1. Click Pending e-Transfer to view an e-Transfer that you have sent but has not yet been deposited.

  2. Click Cancel to cancel the transfer and to deposit the money back into your account.

Note that the service fee will not be refunded when you cancel an email transfer.

Receive money

All Valley CU members can receive money by email. Money received by email will be deposited directly into your Valley CU account.

How to receive money by email

A friend can send you money by email if their bank or credit union offers the service. You will receive an email to deposit the money into your Valley Credit Union account.

  1. Click the link in the email. You will be directed to a special site operated by Certapay, an Interac subsidiary.

  2. Follow the instructions on the Certapay site to select Valley Credit Union. 

  3. Follow the instructions on the Certapay site to log in to Online Banking.

  4. Log in to Online Banking and enter the answer to the security question.

  5. Choose the Valley Credit Union account into which you wish to deposit the money.

The money is now deposited into your Valley Credit Union account.

Important information

  • There is no fee to deposit money into your account that you have received by email.

  • If you do not want to deposit the money into your account you can decline the transfer. The money will not be deposited into your Valley Credit Union account. You can send an email to the sender explaining why you declined the transfer.


® Trademark of INTERAC Inc. used under license
*There is a non-refundable service fee each time you send an e-Transfer
** Transfer time is dependent on internet and financial institution connectivity


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