Discover the fast, secure way to send money to a Caisse Alliance member or to a person with an account at another participating Canadian financial institution. With Interac e-Transfer available in Allia, you can transfer money by text or email at anytime.

Transfer money for just about anything!

Use Interac e-Transfer to contribute to a group gift, pay your share for a cottage rental or pay someone back for picking up that concert ticket!

All the recipient needs is an account in a Canadian financial institution and an email address or mobile phone number⁽¹⁾.

Features

Simple	No financial information is required⁽²⁾, only an email address or a mobile phone number.
Fast	Funds are available as soon as the e-Transfer is accepted by the recipient.⁽³⁾
Flexibility	Send money anytime, anywhere!
Secure	A security question ensures the e-Transfer was sent to the right recipient. If you prefer the Autodeposit option, routine fraud checks are performed.
Autodeposit	No security question required. The funds are automatically deposited into your selected account.
Maximum amount	Personal “Make an Interac e-Transfer” option: established limits Maximum amount per Interac e-Transfer: $6,000 Maximum amount in Interac e-Transfers within 24 hrs: $20,000 Maximum amount in Interac e-Transfers within 7 days: $20,000 Maximum amount in Interac e-Transfers within 30 days: $40,000 “Request money by Interac e-Transfer” option: established limit Maximum amount per e-Transfer request: $3,000 Business “Make an Interac e-Transfer” option: established limits Maximum amount per Interac e-Transfer: $25,000 Maximum amount in Interac e-Transfers within 24 hrs: $50,000 Maximum amount in Interac e-Transfers within 7 days: $125,000 Maximum amount in Interac e-Transfers within 30 days: $250,000 “Request money by Interac e-Transfer” option: established limit Maximum amount per e-Transfer request: $3,000 * PERSONAL & BUSINESS “Receive an e-Transfer” option: established limit** Maximum amount when receiving an e-Transfer: $25,000
Cost	No fee⁽⁴⁾ if you have a monthly plan and stay within the number of transactions included in the plan. No fee applies if you are the e-Transfer recipient.
Participating financial institutions	See a list of participating financial institutions.

Mobile Deposit

Mobile deposit allows members to deposit a cheque without having to go in-branch or at the ATM. Simply take a picture of the front and back of your cheque.

It’s easy, quick and free!

What you need to know

Most cheques are eligible for mobile deposits.
The cheque must be in Canadian currency and must be from a Canadian financial institution.
Mobile deposits can be made to personal chequing accounts or non-registered regular savings accounts.
When making a mobile deposit, you must keep your cheque for 90 days and destroy it within 120 days. Once the deposit is confirmed, write “Deposited” across the front of the cheque as a reminder that it’s been done. Put the cheque in a secure location in case the original is required for any reason.
Rules applicable to cheque hold periods are the same as those for cheques deposited in-branch⁽⁵⁾.
There are no deposit limits, therefore funds could be frozen for 5 days, depending on the authorization set in the member’s file.
This feature is free.

® The Interac logo and Interact e-Transfers are registered trademarks of Interac Inc. Used under licence.

¹ Transfers must be in Canadian currency.

² This information is only used to notify the recipient that an e-Transfer has been made. Recipients must be a member of a participating financial institution and have secure online access to their accounts from that financial institution.

³ If funds are not deposited by the recipient within 30 days, they will be returned to you.

⁴ Transaction fee apply if you don’t have a monthly plan or if you exceed the number of transactions included in your plan.

⁵ Availability of funds is subject to Caisse Alliance’s hold funds policy and your available funds limit. Contact your branch for information about the restrictions that apply to individual and business members.