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If you have an Interac e-Transfer profile already set up, just sign into online 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:

Web Browser:

1. Sign in to online banking on your desktop/tablet
2. Go to ‘Transfers & Payments’
3. Under ‘Interac e-Transfers’ click ‘Profile Settings’  
4. You will be asked to confirm your information- name, email, and mobile phone number. Click ‘Continue’
5. Enter the one-time password you receive via text or email and click ‘Continue’

Mobile App:

1. Sign in to online banking on the mobile app
2. At the bottom of the screen tap ‘Move Money’
3. Under ‘Interac e-Transfers’ tap ‘Continue’
4. Verify your details and tap ‘Continue’
5. Enter the one-time password you receive via text or email address and tap ‘Continue’

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 an answer known only by 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 transaction

Web Browser:

1. Sign in to online banking on your desktop/tablet
2. Go to ‘Transfers & Payments’
3. Under ‘Interac e-Transfers’ click ‘Manage Contacts’
4. Click the + icon at the top right-hand corner of the screen
5. Enter the name of the person you wish to add
6. Enter their email address/mobile phone number
7. Select language preference- defaulted to English
8. Select the notification method using the drop-down menu
9. Enter the security question and the answer
10. Re-enter the answer to the security question and click ‘Continue’
11. Confirm the details of the contact added and click ‘Continue’
12. Enter the one-time password you receive via text or email and click ‘Continue’

Mobile App:

1. Sign in to online banking on the mobile app
2. At the bottom of the screen tap ‘Move Money’
3. Tap ‘Interac e-Transfer’ at the top right-hand corner
4. Tap ‘Manage Contacts’ then tap ‘Add Contact’
5. Enter the name of the person you wish to add
6. Enter their email address/mobile phone number
7. Select language preference- defaulted to English
8. Select the notification method using the drop-down menu
9. Enter the security question and answer
10. Re-enter the answer to the security question and tap ‘Continue’
11. Confirm the details of the contact added and tap ‘Continue’
12. Enter the one-time password you receive via text or email and tap ‘Continue’

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’

Sending money by Interac e-Transfer is quick and easy. First, you will need to set up a user profile
and a recipient list. Once that is compiled, you can now send an Interac e-Transfer transaction by
following these simple steps.

Web Browser:

1. Sign in to online banking on your desktop/tablet
2. Go to ‘Transfers & Payments’
3. Under ‘Interac e-Transfer’ click ‘Send Money’
4. At the top, select the account you wish to send from
5. Select the contact you want to send money to from the drop-down menu
6. Enter the amount and add an optional message if you like and click ‘Continue’
7. Confirm details and click ‘Continue’

Mobile App:

1. Sign in to online banking on the mobile app
2. At the bottom of the screen tap ‘Move Money’
3. Tap ‘Interac e-Transfer’ at the top right-hand corner and tap ‘Send’
4. At the top, select the account you wish to send from
5. Select the contact you want to send money to from the drop-down menu
6. Enter the amount and add an optional message if you like and tap ‘Continue’
7. Confirm details and tap ‘Continue’

Legacy Cypress

1. Click or tap the link in the email or text notification indication you have received a new Interac e-Transfer transaction
2. Skip over ‘Find your Financial Institution’ as this will not populate Cypress Credit Union
3. Select province as ‘Saskatchewan’ first, then credit union as ‘Cypress Credit Union’
4. Click or tap ‘Deposit’
5. Sign in to online banking via the app, mobile web, or desktop. Choose the Cypress Credit Union account into which you wish to deposit the money

You may be presented with the Cypress Credit Union name and logo. If this is the case, please follow these steps:

1. Bypass selecting Cypress/clicking on the logo
2. Scroll down to ‘Select a Different Financial Institution’
3. Select Cypress Credit Union from the list

Legacy Diamond North

1. Click or tap the link in the email or text notification indication you have received a new Interac e-Transfer transaction
2. Skip over ‘Find your Financial Institution’ as this will not populate Diamond North Credit Union
3. Select province as ‘Saskatchewan’ first, then credit union as ‘Diamond North Credit Union’
4. Click or tap ‘Deposit’
5. Sign in to online banking via the app, mobile web, or desktop. Choose the Diamond North Credit Union account into which you wish to deposit the money

You may be presented with the Diamond North Credit Union name and logo. If this is the case, please follow these steps:

1. Bypass selecting Diamond North/clicking on the logo
2. Scroll down to ‘Select a Different Financial Institution’
3. Select Diamond North Credit Union from the list

Legacy Prairie Centre

1. Click or tap the link in the email or text notification indication you have received a new Interac e-Transfer transaction
2. Skip over ‘Find your Financial Institution’ as this will not populate Prairie Centre Credit Union
3. Select province as ‘Saskatchewan’ first, then credit union as ‘Prairie Centre Credit Union’
4. Click or tap ‘Deposit’
5. Sign in to online banking via the app, mobile web, or desktop. Choose the Prairie Centre Credit Union account into which you wish to deposit the money

You may be presented with the Prairie Centre Credit Union name and logo. If this is the case, please follow these steps:

1. Bypass selecting Prairie Centre/clicking on the logo
2. Scroll down to ‘Select a Different Financial Institution’
3. Select Prairie Centre Credit Union from the list

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

Web Browser:

1. Sign in to online banking on your desktop/tablet
2. Go to ‘Transfers & Payments’
3. Under ‘Interac e-Transfer’, select ‘History’. Pending transactions can be viewed here.
4. Select cancel (Red X). Click ‘Continue’
5. Confirm cancel transaction details and click ‘Continue’
6. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from

Mobile App:

1. Sign in to online banking on the mobile app
2. At the bottom of the screen tap ‘Move Money’
3. Tap ‘Interac e-Transfer’ at the top right corner
4. Tap ‘History’
5. At the top tap ‘Pending Transactions’
6. Tap the e-Transfer you would like to cancel
7. Select ‘Cancel’ (X)
8. Tap ‘Continue’
9. Confirm cancel transaction details and tap ‘Continue’
10. Transaction successfully cancelled. The funds will be deposited back into the account where it was originally transferred from

Note: Once the 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 now set up Autodeposit for your email address AND your mobile phone number.

Web Browser:

1. Sign in to online banking on your desktop/tablet
2. Go to ‘Transfers & Payments’
3. Under ‘Interac e-Transfer’
4. Click ‘Autodeposit Settings’
5. Click ‘Add Autodeposit’
6. Under ‘Register With’ input the mobile phone number or 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’
8. Confirm your autodeposit details and click ‘Continue’
9. Enter the one-time password you receive via text or email
10. Click ‘Continue’
11. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.

Mobile App:

1. Sign in to online banking on the mobile app
2. At the bottom of the screen tap ‘Move Money’
3. Tap ‘Interac e-Transfer’ at the top right corner
4. Tap ‘Autodeposit Settings’
5. Tap the + icon at the top right-hand corner of the screen
6. Under ‘Register With’ input the mobile phone number or 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 tap ‘Continue’
8. Confirm your autodeposit details and tap ‘Continue’
9. Enter the one-time password you receive via text or email
10. Tap ‘Continue’
11. A verification message will be sent to you via text or email to complete the registration. You will have the option of either completing the registration or declining it.

Small business online banking offers a unique set of features that’s set apart from other personal online banking services. The key features that distinguish the Small Business services from the other online banking services are:

• Profile consolidation (consolidation of personal and business profiles)
• Dual-signature support (for 2 to-sign accounts)
• Delegates (multiple user support)

In addition, signors can approve transactions on the go from their mobile devices

Profile consolidation allows you, as a small business member, to add your personal profile. This will enable you to switch back and forth between your business and personal profiles.

Profile consolidation must be done using a desktop browser, not the mobile app. To set up profile consolidation:

1. Sign in to online banking using your business username and password
2. Select ‘Business Services’
3. Click ‘Profile Consolidation’
4. Click ‘Add Profile’
5. Enter your personal profile username
6. Enter your personal profile password
7. Click ‘Continue’
8. Review details and click ‘Continue’
9. Personal profile is successfully added
10. You will need to sign out and sign back in using your business username and password to complete the setup

To switch profiles, go to the top of the screen to where your username is displayed. Hover over your username and the consolidated profiles will be displayed. Choose the profile you would like to switch to. A pop-up box will display asking if you are sure you want to switch profiles, you can either cancel or switch profiles.

There is no limit on the number of businesses that can be consolidated under a single sign in.

A delegate is a person such as an accountant, bookkeeper, or spouse that can be granted limited access to online banking for a business. A delegate is created by one of the account signors and can be granted specific access:

• Initiator Access: allows the delegate to create transactions such as a bill payment, transfer or Interac e-Transfer for the signor(s) to approve.
• Read Only Access: allows the delegate to view account information but does not permit them to perform any transactions

Each signor can add an unlimited number of delegates. All delegates can be seen and managed by all signors.

1. Sign in to online banking (currently cannot be done on the mobile banking app)
2. Select ‘Business Services’
3. Click ‘Delegate Management’
4. Click ‘Add Delegate’
5. Enter delegate username (5-35 alphanumeric characters)
6. Enter the name of the delegate
7. Click the radio button to select the access level- initiator or read-only
8. Click the radio button to select how the password will be received (email or mobile phone number)
9. Enter the email address
10. Enter the mobile phone number
11. Type in any notes that may apply to the delegate
12. Accept express consent
13. Click ‘Continue’
14. Review details and click ‘Continue’
15. An authentication code will then be sent to you by email or text message, simply enter the code into the “Enter Code” field and click ‘Continue’
16. Delegate added successfully
17. The delegate will now receive their temporary password via email or text

A note about delegates:

• There is no maximum number of delegates that can be set up.
• Once the username is selected it cannot be changed.
• The username will need to be communicated to the delegate separately.
• Any account signor can add, view, or edit a delegate.
• Prairie Centre Credit Union does not have access to your delegates, so we are unable to add, edit, delete, lock, or reset their password on your behalf.

Delegates can reset their own passwords by using the ‘Forgot Password’ feature on the home sign in screen or the delegates signor can reset it for them.

Delegates will see the accounts under the business profile they are linked to. If other profiles have been consolidated, the delegate will not be able to access or view those profiles and/or accounts.

A delegates access can be locked to ensure they are unable to access the accounts. Delegates cannot be deleted from the profile once added.

A delegates access can be locked to ensure they are unable to access the accounts.

The authorized signors have 7 days to act on a transaction prior to expiry. Authorized signors that activated the expiring alerts will receive a notification of a pending transaction about to expire starting on day 5 and if not actioned, again on day 6 and if not actioned, again on day 7. 

In order to receive these notifications, users need to activate Pending Transfer alerts. To activate these alerts, users should log in to their business account, and select Business Alerts. Users can set up Pending Transfer alerts for different transaction types in order to receive notification of expiry on those transaction types.

No, the signor must approve the recurring transaction only once, when it is first initiated.

Online banking has a character limit when it comes to the business name, and your business name may be outside the limits. This will not impact any of the information sent with bill payments or what is stored in our banking system.

You can download your transaction into the format needed for QuickBooks and Quicken by scrolling to the bottom of your account and selecting the ‘Export’ button. These documents can then be uploaded into QuickBooks or Quicken.

Note: Please be aware that automatic downloads for QuickBooks and Quicken will not be immediately available in our new online banking platform.

If you have your membership set up as requiring two-signor approval for transactions like bill payments and Interac e-Transfers, you can approve the transaction within online banking under ‘Pending Transactions’.

1. Sign in to online banking
2. Select ‘Business Services’
3. Click ‘Pending Transactions’ to view transactions that require approval (created by another signor or a delegate)
4. Select to approve or decline the transaction
5. Some transactions may require you to enter a one-time passcode as a security feature. If this is the case, an authentication code will then be sent to you by email or text message, simply enter the code into the ‘Enter Code’ field and click ‘Continue’.

Note: Pending transactions expire after 7 days.