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New look for Interac e-Transfer Notifications
Interac e-Transfer® notifications have been updated to provide a better user experience. While the notifications look different, they provide the same security and convenience you have come to enjoy with Interac e-Transfer.
- Onboarding
- Adding an e-transfer recipient
- Managing an e-transfer profile
- Setting up Autodeposits
- Adding a payee
- Intermember transfers
- Fulfilling a Request for Money
- Updating your contact information
- Changing your password
- Resetting your password
- Adding delegates (small business online banking)
- Delegate login (small business online banking)
Online banking how to
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You will need your 16-digit debit card number (for businesses, use your Login ID), your date of birth and either a valid mobile phone number or email address. Go to www.acu.ca and click the “Sign In” button located in the top right-hand corner of the screen. Step 1: Sign in using your 16-digit debit card number (or Login ID) Step 2: Verify your identity You’ll need to enter your date of birth and either your mobile phone number or the email address we have on file for you. You will receive a verification code either through a text message or email. Enter that code in the verification pop-up, click “Confirm”. Step 3: Set up a new username Avoid using only your name. Choose a unique username that you'll remember because once you create it, you can't change it. Your user name can be up to a maximum of 35 alphanumeric characters. Special characters are optional. Step 4: Set up a new password Choose a password with a minimum of 10 characters (35 characters max) with at least one uppercase letter, one lowercase letter and one number. Special characters are optional. Step 5: Confirm sign in details If everything is correct, click “Create user profile” to finalize your new sign in information. Now whenever you sign in to online banking use your new username and new password. Visit your app store to download ACU mobile app so you can bank anywhere, anytime.
Note: The new ACU mobile app has a dark background and looks like this: When you go to your current ACU mobile banking app, it will direct you to the appropriate store (Apple's App Store and Google's Play Store) to download the new app. |
The ACU mobile app has a dark background and looks like this:
Mobile banking how to
The ACU mobile banking app works on the following mobile operating systems:
- Apple (iOS): version 13 and up.
- Android: version 7 and up.
You will need your 16-digit debit card number (for businesses, use your Login ID), your date of birth and either a valid mobile phone number or email address.
Step 1: Download our new app
It’s available on Apple's App Store and Google's Play Store. Here is a direct link to the Android app: https://play.google.com/store/apps/details?id=com.celero.assiniboine
Step 2: Sign in using your 16-digit debit card number (or Login ID)
Step 3: Verify your identity
You’ll need to enter your date of birth and either the mobile phone number or email address we have on file for you. You will receive a verification code either through a text message or email. Enter that code in the verification pop-up, click “Confirm”.
Step 4: Set up a new username
Avoid using only your name. Choose a unique username that you'll remember because once you create it, you can't change it. Your user name can be up to a maximum of 35 alphanumeric characters. Special characters are optional.
Step 5: Set up a new password
Choose a password with a minimum of 10 characters (35 characters max) and at least one uppercase letter, one lowercase letter and one number. Special characters are optional.
Step 6: Confirm sign in details
If everything is correct, click “Create user profile” to finalize your new sign in information. Now whenever you sign in to online banking use your new username and new password.
Bill payments
You only need to do this once per vendor. After that, you can make your payments quickly and easily.
- Sign in
- If you’re using online banking click Transfers & payments, under Payments select Manage payees. If you’re using the mobile banking app, tap the More menu on the bottom navigation bar, then tap Manage payees
- Click Add payee button if you’re on ACU’s online banking, the + symbol if you’re using our app.
- Search for the vendor name, enter your payee account number and confirm your payee details
- This request requires an additional security step. Select how you want to receive your confirmation code
- Enter the confirmation code you received to confirm that you want to add this bill payee and click Continue
To pay a bill, first create your payee list. If you're already set up to pay bills, then you're ready to go:
- Sign in to ACU’s digital banking
- If you’re using online banking click Transfers & payments, under Payments select Pay bills. If you’re using the mobile banking app, tap the Move money menu, at the top tap Payments and then Pay bills
- Choose the account you’d like to pay from. If you’re using our app tap Add Payment
- Select the bill vendor and enter the payment amount, and fill in the amount you'd like to pay
- Change the payment date if you wish to schedule the bill payment for a future date
- Click Continue/Add payment when you’re done and confirm your payment
- Click Continue and confirm your payment
Simply use the “Schedule recurring payments” option to set up recurring payments in online banking or in the mobile banking app. You can schedule a recurring bill payment up to three years in advance.
- Sign in
- If you’re using online banking click Transfers & payments, under Payments select Pay bills. If you’re using the mobile banking app, tap the Move money menu, at the top tap Payments and then Pay bills
- Click on the Schedule recurring payments tab and select the account you will use to pay your bill
- Specify the vendor, amount, frequency of the payment and start and end date
- Confirm your payment
Tip: Deleting a payee will not automatically delete any future-dated or recurring payments for this payee. Before deleting a payee, we recommend that you review the list of scheduled bill payments and delete any future payments to this payee as necessary.
- Sign in
- If you’re using online banking click Transfers & payments, under Payments select Pay bills. If you’re using the mobile banking app, tap the Move money menu, at the top tap Payments and then Manage payees
- Find the payee and click on the trash icon
- Confirm the payee to be deleted
ACU’s digital banking offers a convenient way to cancel bill payments.
- Sign in to ACU’s digital banking
- If you’re using online banking click Transfers & payments, under Payments select View scheduled payments. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap View scheduled payments
- Select the account the bill payment was made from
- Select the payment you would like to delete
- Confirm payment to be deleted
Did you know?
Payments that are visible in the Scheduled Payment menu can be cancelled online. If the payment is no longer visible you can contact us, prior to 8 p.m. the same day and we will attempt to cancel it for you. Note: service fees may be applied.
Interac e-Transfers®
To send someone an Interac e-Transfer, they need to be on your list of recipients.
- Sign in
- If you’re using online banking click Transfers & payments, under Interac e-Transfer select Manage contacts. If you’re using the mobile banking app, tap the Move money menu, at the top tap Interac e-Transfer and then Manage Contacts
- Click the Add contact button if you’re on ACU’s online banking, or if you’re using our app tap the + symbol (located in the top right corner)
- Enter the recipient’s name, email address and/or mobile phone number and notification method
- Enter a security question that the recipient will know the answer to, as well as the security answer he or she must provide to receive and deposit the money
- Confirm your contact details
- This request requires an additional security step. Select how you want to receive your confirmation code
- Enter the confirmation code you received to confirm that you want to add this recipient and click Continue
To begin using Interac e-Transfers you must have a profile created and the recipient added to you contact list.
- Sign in
- If you’re using online banking click Transfers & payments, under Interac e-Transfer select Manage contacts. If you’re using the mobile banking app, tap the Move money menu, at the top tap Interac e-Transfer and then Send
- Select the account you would like to transfer funds from
- Select the recipient and the amount of the transfer
- Click Continue
Be sure to let the recipient know the answer to the security question (but don't send it along with the transfer). Your account will be debited the transfer amount immediately, plus a service fee (if applicable).
To receive an Interac e-Transfer you must have a profile created.
- When someone sends you an Interac e-Transfer, you will receive a notification through email or text message
- Click on the link to access a secure Interac website. You will be taken to the Interac website and asked to select your financial institution
- Sign in to online banking or our mobile banking app
- Enter the answer to the security question and click Accept
- Select the account you would like the funds deposited into and click Continue
- Confirm transfer details and click Confirm
The Interac Autodeposit feature allows you to have money sent via Interac e-Transfer automatically deposited directly into your ACU account, without having to answer a security question.
- Sign in to ACU’s digital banking
- If you’re using online banking click Transfers & payments, under Interac e-Transfer select Manage contacts. If you’re using the mobile banking app, tap the Move money menu, at the top tap Interac e-Transfer and then Autodeposit settings
- Click the + symbol if you’re using our app, or the Add autodeposit button if you’re on ACU’s online banking
- Select what you want to register with and enter your mobile phone or email address
- Select the account where deposits will be made and check the box to acknowledge the statements
- Confirm autodeposit details and click Continue
- This request requires an additional security step. Select how you want to receive your authentication code
- Enter the confirmation code you received and click Continue
- You will receive an email or text message from Interac to complete the autodeposit registration. Click Complete registration
The Interac e-Transfer Request Money feature is not yet available on our new digital platform, but we are working on it
You can cancel pending, declined or expired transactions.
- Sign in
- If you’re using online banking click Transfers & payments, under Interac e-Transfer select Manage contacts. If you’re using the mobile banking app, tap the Move money menu, at the top tap Interac e-Transfer and then History
- Click on the Pending transactions tab, choose the pending transfer you want to cancel and click the Cancel or “X” button
- Click Continue and confirm transaction details
Personal Interac e-Transfer limits
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Send |
Receive |
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Per Transaction |
$3,000 |
$25,000 |
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24-hour rolling |
$3,000 |
No limit |
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7-day rolling |
$10,000 |
No limit |
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30-day rolling |
$20,000 |
No limit |
Business Interac e-Transfer limits
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Send |
Receive |
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Per Transaction |
$25,000 |
$25,000 |
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24-hour rolling |
$50,000 |
No limit |
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7-day rolling |
$125,000 |
No limit |
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30-day rolling |
$250,000 |
No limit |
*Rolling limits are calculated by day and time the Interac e-Transfer is sent. For example, if the first transaction is sent at 11:30 am, “day” is calculated on the 24 hour rolling period which will end at 11:29 am the next day.
Interac e-Transfers fees
The following fees apply to Interac e-Transfers with ACU.
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Service |
Fee |
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Send an Interac e-Transfer |
$1.00* |
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Receive an Interac e-Transfer |
Free |
*The $1.00 Interac e-Transfer fee applies to all ACU personal and business accounts.
Did you know?
The ACU Digital, ACU Student Digital and ACU Unlimited Accounts provide 25 free Interac e-Transfers per month.
Transfer/send money
You can easily transfer money between your ACU accounts in just a few simple steps.
Did you know?
You can also schedule transfers up to two years in advance, or have them repeat daily, weekly, or monthly up to ten years. You can even make a RRSP or TFSA contribution by transferring into an existing RRSP or TFSA.
What you do:
- Sign in
- If you’re using online banking click Transfers & payments, under Transfers select Transfer funds. If you’re using the mobile banking app, tap the Move money menu, then tap Transfer funds
- Choose the account you would like to transfer the funds from, the account you would like to transfer to, and enter the amount you would like to transfer
- Select the transfer type (it can be immediate, scheduled for a future date or recurring)
- Click Continue and confirm transfer details
You can transfer money to another ACU member’s account through online or mobile banking. To set up a member-to-member transfer you require the 12-digit ACU account number for that member. You must also have a valid email address or mobile phone number on file to complete the request.
Tip: Make your member-to-member transfer a favourite transaction. This way you won’t need to remember their 12-digit account number every time you want to transfer money to them.
What you do:
- Sign in
- If you’re using online banking click Transfers & payments, under Transfers select Transfer funds. If you’re using the mobile banking app, tap the Move money menu, then tap Transfer funds
- Choose the account you would like to transfer the funds from and select the Transfer to Another ACU member radio button
- Enter the 12-digit account number you would like to transfer the funds to and the amount
- Select the transfer type (it can be immediate, scheduled for a future date or recurring) and confirm transfer details
- This request requires an additional security step. Select how you want to receive your confirmation code
- Enter the confirmation code you received to confirm that you want to transfer funds and click Continue
Mobile Deposits
Use your mobile app to deposit cheques to an eligible ACU Canadian savings or chequing account.
Did you know?
- The cheque can’t be drawn on the same account the funds are coming out of
- The cheque can’t be post-dated or altered
- Deposits need to be in Canadian funds drawn on a Canadian financial institution
- All deposits should be payable to, and endorsed by, the account holder
- The limit is $100,000 per cheque
- Keep remotely deposited cheques in a safe place for 90 days, then destroy them
What you do:
Sign in to the ACU mobile app, tap the Mobile Deposit icon located right on the home dashboard.
- Select the account in which you’d like to deposit your cheque, and enter the cheque amount
- Using your device, take a picture of the front and back of your cheque
- Confirm deposit details
NOTE: The funds will immediately appear in your account, but normal hold times still apply for all deposited amounts.
Set up/manage alerts
Alerts are notifications that ACU sends you to keep you informed of certain activities that have occurred on your accounts. We recommend you set them up so you will be notified if a transaction or action has happened that you didn’t perform.
Did you know?
You can set up alerts yourself, in online banking or on the mobile app, and choose how you will be notified. Just another convenient way to keep your banking experience secure.
- Sign in
- If you’re using online banking click My ACU, under Alerts select Security. If you’re using the mobile banking app, tap the More menu, and then tap Alert settings and then Security alerts
- Select the type of alerts you would like to receive and how you would like to receive them
- Save and you’re done.
- Sign in
- If you’re using online banking click My ACU, under Alerts select Account. If you’re using the mobile banking app, tap the More menu, and then tap Alert settings and then Account alerts
- Select the account you would like to link the alert to, type of alerts you would like to receive, how you would like to receive them
- Enter a dollar amount if applicable and Save
You can adjust or unsubscribe to your current alerts or subscribe to new ones at any time. Sign in to online banking, navigate to My ACU and choose from Account or Security Alerts.
You can also change your alerts on your mobile banking app by tapping the More menu, selecting Alert settings and choosing from Account or Security Alerts