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​Interac® e-Transfers

General questions

What is an Interac® e-Transfer?

An Interac® e-Transfer allows money to be sent to friends and family by email or text message.

Anyone with an account at a Canadian financial institution can receive the money and no exchange of account information is required.

Are Interac® e-Transfers secure?

An email or text message acts as the notification that a transfer has occurred and provides instructions on depositing the money. The money is actually transferred over a secured network, and a security question ensures the money goes to the right person.

For security, always use a unique security question and answer for each individual recipient. Ensure the email or phone number of your recipient is correct and up to date. Remember, never put the answer to your security question in the message field when sending your Interac® e-Transfer.

What information do I need to make an Interac® e-Transfer?

Once you have logged in to online banking, you will need the recipient’s name, email address or mobile phone number, the transfer amount, and a unique security question and answer.

Why do I need to update the answer to my security question?

Effective September 1, 2019, Interac® will require new security answers. This is related to the question you ask your recipient to answer before funds are transferred. If you have not updated your security answer since September 20, 2018, you can expect to be notified of this change when you send an e-transfer.

If you do not update your security answer before September 1, 2019, Interac® will delete your old answer and you will be required to create a new security answer the next time you send an e-transfer to your recipient. 

How do I prevent e-transfer notifications from being intercepted?

​When you are making an e-transfer, a notification is typically sent from Interac to your recipient's email account. You need to be aware that criminals can attempt to intercept transfers by hacking email accounts. Once they are inside an account, criminals can see the notification from Interac and use the deposit link to redirect funds into a different account by answering the security question.

Here are some tips to prevent your e-transfer notification from being intercepted:

  • Select a question and answer that are not easy for a third party to guess. If the notification is intercepted, it will be harder for a criminal to answer and steal the funds. 
  • Never communicate the answer to your security question via email.  Call and/or text the recipient with the password.
  • Be cautious not to click on any phishing links in your emails.
  • Ensure that you are only making transactions with websites, vendors and people that you trust.
  • Notify G&F immediately if you sense anything suspicious about your transaction.    

Questions on sending, receiving and canceling an e-transfer

​Can I send an Interac® e-Transfer to someone outside of Canada?

At this time, only Canadian dollars can be sent and deposited to a Canadian account.

How do I send an Interac® e-Transfer?

You’ll need to create a recipient list before you can send an Interac® e-Transfer to someone. The recipient’s name, email or mobile phone number, and a security question for the recipient are required.

  1. Login to online banking.
  2. Click on Transfers > Send Interac® e-Transfer.
  3. If not previously setup for Interac® e-Transfers, choose Create Your Sender Profile.
  4. Transfer To: Select the recipient. Note: If the recipient is registered for Autodeposit, you will see a confirmation checkbox appear at the bottom of the page.
  5. Transfer From: Select the account you are withdrawing from.
  6. Enter the amount of money you would like to send.
  7. Message: You have the option to write a message to the recipient. Note: Do not put the answer of the security question in your personal message.
  8. If the recipient has registered for Autodeposit, you will need to click on the checkbox to confirm that you understand that the recipient will not need to answer a security question to deposit the funds.
  9. Click on Send Transfer.
  10. Click on Confirm.

​Note: Autodeposit will only work if the receiving party’s financial institution supports Autodeposit. 

​What is the cost of sending an Interac® e-Transfer?

At G&F Financial Group, Interac® e-Transfers are free and unlimited for all personal members at G&F.

For businesses and organizations, there is a non-refundable fee of $1.50 to send an Interac® e-Transfer. This fee will apply even if the recipient declines the transfer or the transfer expires. The Interac® e-Transfer fee applies to all business and organization account types including package accounts and community accounts.

All G&F members can receive Interac® e-Transfers for free*.

As for the people you are transferring money to, they may be charged a fee for receiving your Interac® e-Transfer. This will depend on the financial institution they choose to bank with.

*A business which performs a Request Money transaction will be charged a fee once the request has been carried out by the other party and the business has received the funds.

What are my ​Interac® e-Transfer limits?

TRANSACTION LIMITSENDING LIMITRECEIVING LIMIT
Per transaction$10,000$10,000
Daily*$10,000$10,000
Weekly*$70,000$70,000
Monthly*$300,000$300,000
Maximum amount per request money transaction**$3,000$3,000

To protect our members from online fraud and for enhanced member security, we have implemented security limits on the amount a person can send or receive in an Interac® e-Transfer, as recommended by our security provider.

*All limits are rolling limits. For example, if you send $3,000 at 3:00pm on Friday, your limit is reset at 3:00pm on Saturday. 

**Request Money transactions utilize the same Interac® e-Transfer limits. Therefore, fulfilled Request Money transactions will affect the outgoing (send) limits for the fulfiller and the incoming (receive) limits for the requestor.

​How do I cancel an Interac® e-Transfer?

You can cancel an Interac® e-Transfer as long as it has not been deposited by a recipient.

  1. Login to online or mobile banking.
  2. Choose Transfers.
  3. Click on Send Interac® e-Transfer.
  4. Click on Pending e-Transfer to find the transfer that has not yet been deposited by your recipient.
  5. Click on Cancel to cancel the transfer.

How do I receive an Interac® e-Transfer?

You will receive a notification by email or text message indicating that you have been sent an Interac® e-Transfer. Once you have logged onto online banking, you will need to answer the security question that was set up at the beginning of the transaction. When you answer that correctly, you will be taken through a few simple steps to deposit the funds.

How long will it take to receive money by email or text message?

Once an Interac® e-Transfer has been sent, it may take up to 30 minutes or more for the recipient to receive the notification. The length of time may also be affected by your email system and internet speed.

Once the recipient accepts the transfer, the money is deposited directly into their account immediately.

​Can a recipient receive an Interac® e-Transfer without access to online banking?

Yes. The person you send the money to (the recipient) will be able to deposit the money by registering with Certapay, an affiliate of Interac®. 

Questions about requesting money

​How much can I request using the Interac® feature, Request Money?

Each individual Request Money transaction is limited to a maximum of $3,000.

You can make multiple Request Money transactions within the Interac® e-Transfer limits outlined above. You can have up to 50 outstanding requests at a time.

​Can I send a request for money to multiple people in one request?

No. An Interac® e-Transfer Request Money transaction must be sent individually to each recipient.

​What is the cost of using the Request Money feature?

There’s no charge for Personal members to use the Request Money feature.

Business members will be charged $1.50 for Request Money transactions that are fulfilled.

​How long before a request for money expires?

Once sent, Interac® e-Transfer Request Money transactions are available for fulfillment for up to 30 days. Interac will send an email reminder to the recipient automatically after seven days and members also have the option to send up to five manual reminders to request payment within the 30 day time period.

​Can I block people from requesting money from me?

Yes, members can choose to either block a specific Requestor or to block everyone from sending them Request Money order notifications.

​Is there a time limit to fulfill a Request Money order?  

Yes. Request Money orders expire after 30 days.

Questions about Autodeposit

What is Autodeposit?

Autodeposit is a feature within the Interac e-Transfer service that enables users to save time when depositing money into their bank account. When enabled, funds will go directly into a recipient's bank account that is associated with the email address or phone number a sender is transferring money to.

​How do I set up Autodeposit?

If you are registered for Autodeposit, incoming Interac e-Transfers will be automatically deposited into your account and you’ll receive a deposit notification.To set up Autodeposit, complete the following steps:

  1. Login to online banking.
  2. Go to Transfers > Send Interac e-Transfer.
  3. If not previously set up for Interac e-Transfers, select Create Your Sender Profile and complete that process.
  4. Click on the link for Autodeposit.
  5. On the Autodeposit Registration page, input or confirm your email address and select the account to associate with the email address.
  6. Read and agree to the conditions specified by clicking on the checkboxes. Note: you must agree to the conditions if you wish to be registered for Autodeposit.
  7. Click on Register. You should receive a confirmation message stating that an email has been sent to your address to complete the registration. (It is important you open the email and confirm the registration within 24 hours.)
  8. Click on Done. You’ll be taken to the Autodeposit settings page which shows the status of your registration.
  9. Open the email for the Autodeposit Registration and click on Complete Registration. You will receive a confirmation that Autodeposit Registration has been completed.

​How do I cancel an Interac® e-Transfer with Autodeposit?

It is important to know that you are only able to cancel an Interac® e-Transfer that you have sent using AutoDeposit before the transfer notification is sent to the receipient.

To cancel an Interac® e-Transfer to a recipient that is registered for Autodeposit, follow these steps:

  1. Login to online banking.
  2. Click on Transfers > Send Interac® e-Transfer > Pending.
  3. Select the e-Transfer that you no longer want to send and click Cancel. You will be taken to a Confirmation page.
  4. Click Continue. The funds will be deposited back into your account (less any service charge, if applicable).

Note: Neither you nor your recipient will receive notification of the cancelled e-transfer.

​I did not receive the Autodeposit registration verification email. What do I do?

If you have not received the Autodeposit verification email from Interac®, first check your junk email folder.

If you still can’t find the verification email, check that you have entered the email address correctly by logging back into online banking and returning to the Autodeposit settings page.

​Why do I still have to answer the security question after registering for the Autodeposit feature?

In order for the Autodeposit feature to work, both the sender’s Financial Institution and the receiver’s Financial Institution must be capable of handling the transfer. If the sender’s Financial Institution doesn’t support Autodeposit, you will still be required to manually answer the security question. 

​How can I change the email address or deactivate my Autodeposit registration?

To update the email address for an Autodeposit registration, login to online banking and navigate to the Interac® e-Transfer Autodeposit tab. Choose to edit or delete the rule. 

​Why am I getting an email from Interac® to keep my Autodeposit registration active?

Members who have registered for Autodeposit but have not received an Interac® e-Transfer for 12 months will receive an email from Interac® to keep their Autodeposit active. This email notification is sent approximately one week before the expiry.

​What happens if someone transfers money to me using Autodeposit after I’ve closed my account?

The incoming Interac® e-Transfer will fail. The sender will be advised that the deposit has failed and that they will need to cancel the e-Transfer to reclaim their money.

​Wire transfers

​What is a wire transfer?

G&F’s wire transfer service can transfer funds to and from financial institutions world-wide. This is done using a secured network such as the Society for Worldwide Interbank Financial Telecommunication—also known as SWIFT.

​Can I set up a wire transfer to be sent at a later date?

Yes. If you would like to send single or multiple, one-time, recurring, or future-dated payments, G&F can set up advanced online payment services to help you send funds quickly and securely.

For more information regarding wire transfers, please call us at 604-419-8888 or email us at inquiry@gffg.com.

Deposit Anywhere

What is Deposit Anywhere?

Deposit Anywhere is a free service in G&F’s mobile 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 also referred to as "remote deposit".

Whether you’re at coffee with friends, at work, or staying up late to get your banking done—any time is the right time to deposit cheques.

How do I get Deposit Anywhere?

Deposit Anywhere is available in G&F's mobile banking app. You can download the app from the App Store or from Google Play.

How do I use Deposit Anywhere?

  1. Open the G&F mobile banking app on your phone.
  2. Click on Deposit.
  3. Select the account you’d like the funds deposited to and enter the amount.
  4. Take photos of the front and back of your cheque.
  5. Confirm the details and tap Submit. The funds will be deposited into your account.

What kind of cheques can I deposit?

You can deposit cheques that are payable in Canadian dollars and drawn at any Canadian financial institution. If it is your account you’re depositing the cheque into, the cheque must be payable to, and endorsed by, you.

What happens if I enter the wrong amount by mistake?

Sometimes mistakes happen. 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 have any questions about the cheques you submit, you can email us at inquiry@gffg.com or call our Member Hub at 604-419-8888. We’ll be happy to assist you!

What should I do with my paper cheques after I've used Deposit Anywhere?

G&F’s wire transfer service can transfer funds to and from financial institutions world-wide. This is done using a secured network such as the Society for Worldwide Interbank Financial Telecommunication—also known as SWIFT.

Can I use the funds straight away?

Similar to deposits you would make at an ATM or in a branch, standard holds on cheques will apply and the funds may require time to clear.

​Is depositing cheques with a phone safe?

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

We know you lead a busy life. G&F's app makes it easy for you to handle your day-to-day banking on the go.

Download your free app and get started today!

Search for “gffg” in the App Store or at Google Play

What can I do with G&F's mobile banking app?

Use G&F's secure mobile banking app and get things done while you're on the go. You can quickly pay bills during your lunch hour... and more!

Here's what you can do with G&F's app:

Track spending with Smart Money ManagerFind a branch or ATMDeposit a cheque with Deposit Anywhere
Schedule transfers & payments

Get 
alerts

Check
rates
Check your balanceTransfer moneyUse a calculator

How much does it cost to use the G&F mobile banking app?

There is no charge to use our app. You can download and use the G&F mobile banking app for free.

What if my phone is misplaced, lost or stolen?

If you have misplaced your mobile device. you can temporarily disable the Quick View setting for your mobile app. Use a desktop computer or other device that you know to be secure and login to G&F online banking. You'll find the option to disable the Quick View setting for your mobile banking app within Account Services.

Once you locate your mobile phone, you'll need to log back into the mobile app and re-enable the Quick View settings.

If you have lost your mobile device or if it was stolen, please follow your service provider's recommended procedures for this scenario and contact them immediately. You can remove your device entirely from mobile banking by visiting the Mobile Banking Preferences page within G&F online banking.

Telehone banking

G&F's telephone banking offers you a safe and convenient way to handle your banking needs.

Call us anytime—that's 7 days a week, 24 hours a day—with any touch-tone phone and we'll complete your transaction.

You can reach G&F's telephone banking services, toll-free, at 1-855-363-7600. If you're within the Lower Mainland of BC, you can call our local number: 604-419-7600.

Please have your account number, branch number and 5-digit security code ready before calling.

Text message banking

As a FREE service for all members of G&F Financial Group*, you can receive information on your recent transactions and available balance anytime, anywhere through your mobile phone**.

Security features include the ability to control which account(s) gets displayed as well as a disable feature if your phone is misplaced.

*Text messaging fees from your phone service provider may apply.
**The amount shown for your available balance will include your line of credit.

Frequently asked questions about text message banking

​How do I sign up for G&F's text messaging service?

If you have a phone that supports text messaging and an online banking account with G&F Financial Group, follow these steps to register:

  1. Log in to online banking.
  2. Go to Account Services and choose Add/Modify Mobile Banking.
  3. Choose the option: Register your phone for Mobile Banking.
  4. Read the Mobile Banking User Agreement. If you agree with the terms, click Agree.
  5. Input your phone number. (If you have an older phone, make sure you can accept SMS text messages.)
  6. Select your carrier and click Continue.
  7. Select up to five accounts for mobile access. Click Confirm.

Don't have an online banking account?

Call us at 604-419-8888 and we'll get you set up!

What kind of phone do I need to do use text message banking?

Text message banking will work on most cell phones that are less than five years old and support text messaging. However, if you are experiencing problems, please check with your phone service provider (e.g., Telus, Fido, Bell) for details on fees, accessibility, and delivery time.

​How do I get my account balance sent to me in a text message?

Once you have registered your phone within G&F online banking, text the letters BAL to phone number: 66639.

I have changed service providers and/or changed phone numbers. Will text message banking still work?

As a security precaution, text message banking is set to Disabled status. Please text a keyword command to 66639 and you will receive instructions to help you enable your phone. 

​Will text message banking work outside of Canada?

This service is designed to work on cell phones from a Canadian service provider, on a Canadian network. However, if your Canadian service provider has a roaming agreement with a foreign service provider, you can expect text messaging to work.

Please note that service outside of Canada is on a best efforts basis only.

Protect your valuables.

At G&F Financial Group we provide you with a safe haven for your valuables through the use of our safety deposit box service. A safety deposit box can help you protect:

  • Legal documents
  • Business documents
  • Passports
  • Personal irreplaceable gifts and heirlooms

How much does it cost to rent a safety deposit box?

Below is a list of sizes and prices for our safety deposit boxes. 

SizeDimensions (inches)Cost per year
Small 101.5 x 5 x 24$40
Small 152 x 5 x 24$45
Medium 202.5 x 5 x 24$55
Large 252.5 x 10 x 24$85
Large 305 x 5 x 24$85
Large 313 x 10 x 24$90
X-Large 355 x 10 x 24$150
XX-Large 4010 x 10 x 24$240
XXX-Large 5015 x 10 x 24$360

For more details and to check availability, call 604-419-8888 or visit a G&F branch today.

Which G&F branches offer safety deposit boxes?

Eleven of our branches offer safety deposit boxes:

41st Avenue, Vancouver
Main Street, Vancouver
West Richmond
Richmond Centre
Cloverdale
Fleetwood
Nordel Crossing
North Burnaby
South Burnaby
New Westminster
Port Coquitlam

Find a branch near you...

Use G&F online banking for your business. Free up time by delegating to your employees to assist you with day-to-day banking transactions.

I'm not a member yet. How do I set up online banking for my business?

Applying for business online banking with G&F is easy. Get started today!

The application will take you between 5 to 20 minutes to complete, depending on the information you have available.

Once we receive your application, we will contact you to obtain further details.

You will need to come into a G&F branch and provide some documentation. Specific documentations required will depend on your business structure.

If you need help at any time, please call G&F Financial Group at 604-419-8888 or toll free at 1-866-736-4334.

What is a delegate?

Delegates are people within a business who have limited access to online banking accounts. Delegates are created by signers and can be either read-only or initiators. Each signer on an account can add up to three delegates.

Delegates can only see the accounts you have given them access to. If you don’t want delegates to view any personal accounts you have added to the Consolidation Manager, make sure those accounts are not selected for delegate access.

​What is the difference between read-only and initiator access levels?  

Read-only access means that your delegate can view account activity in accounts you give them access to.

Initiator access means that your delegate can view accounts and initiate (or set up) transactions, which must be approved by signers. For example, your auditor may have read-only access to look at transaction and balance history while your office manager may have initiator access to set up bill payments and transfers.

What does it mean to initiate a transaction?  

Delegates initiate transactions that require approval from signers. Initiating a transaction involves setting up the transaction by entering information such as the type of payment, account to transfer from, payee, amount, and the payment date.

A signer must approve the transaction in order for it to actually take place. Transactions created by a delegate become Pending Transactions and require approval from a signer. These transactions must be approved by the date stated under Transaction Status on the receipt page, otherwise they will expire and will not be carried out.

Once the signer approves a transaction, it is carried out by the banking system.

How do I recall a transaction?

Recalling a transaction effectively cancels the transaction request. You can recall any transactions that appear under Transactions Requiring Review from Others. Any transactions that have already been approved or rejected cannot be recalled.

Why has my transaction expired?

Transactions such as bill payments must be approved by a certain date, otherwise they will expire.

The expiry date can be found under Transaction Status on the receipt page when the delegate creates the transaction, and under Payment Status in the Transaction Manager.

Questions about managing delegates

How do I choose a delegate's login and password?

When you click Add Delegate and are taken to the Add Delegate page, your delegate’s login is automatically generated and cannot be changed. You must enter a temporary password (a strong password contains numbers and upper and lower case letters) and communicate it to your delegate in a secure way. It's best to transmit the login and password separately.

​Why can't I change my delegate's login? 

Your delegate’s login is automatically generated to ensure that it remains unique and secure. It cannot be changed.

​Why isn't the "Add Delegate" link working?

Each signer can add a maximum of three delegates. Once you have three delegates, the link becomes inactive.

​I have a dual-signature account. Does my partner need to approve my delegate? 

No, but your partner must approve any transactions that your delegate may initiate.

​What should I do if my delegate forgets their password?

You must assign a new password. Here's how:

  1. In the Delegate Manager, click Edit beside your delegate’s name to access the Edit Delegate page. 
  2. Enter a new temporary password. 
  3. Give your delegate the new password in a secure way. 
  4. Your delegate should login to online banking.Your delegate will be prompted to change the temporary password.

​How do I restore access for a delegate locked out of online banking?

  1. In the Delegate Manager, click on Edit beside your locked delegate’s name. This will allow you to access the Edit Delegate page.
  2. Check the Unlock this account checkbox to restore your delegate’s access.

​How do I permanently remove a delegate's access?

In the Delegate Manager, click on Delete beside the delegate’s name. This will remove the user permanently.

​How can I temporarily remove a delegate's access?

  1. In the Delegate Manager, click Edit beside your delegate’s name to go to the Edit Delegate page.
  2. Change the delegate’s status to Inactive.
  3. When you want to restore access for your delegate, change their status back to Active.

Make informed decisions and achieve your goals faster. 

G&F’s Smart Money Manager offers tools to manage your budget and track spending habits, giving you increased visibility into your financial situation. 

You can access Smart Money Manager when you log into G&F online banking.

What can I do with Smart Money Manager?

Track your finances safely and securely.

  • Track your spending to become familiar with your financial habits.
  • Your member information is safe and secure in a trusted online banking environment.

Create budgets that work.

  • You will start off with a budget based on your transactions from the past five months.
  • Budgets can be easily adjusted and changed as your financial needs grow and evolve.

Categorize your transactions.

  • New transactions are automatically categorized.
  • Re-name categories and create sub-categories to customize the tool to make it work for you.

See the big picture.

  • Link accounts from other financial institutions, giving you the ability to view your financial landscape in one centralized place.
  • Add in other financial information, such as cars, homes, investments and loans, to get a true "big picture" sense of your finances.

Go mobile.

  • Smart Money Manager works with the G&F mobile banking app, so you can view your financial picture on the go.

​Is my banking and personal information safe?

Keeping your financial information safe and secure is very important to us. G&F’s online services offer you the best security available in a commercial environment so that your personal and financial information is protected.

Read more about G&F's security measures and how you can bank safely.

​Is there any cost to use Smart Money Manager?

No cost! G&F's Smart Money Manager is a free service to help you track your spending and feel more confident about the financial decisions you make.

​Are my past transactions already categorized?

Yes. We’ve automatically categorized your past five months of transactions and created a default budget based on those transactions, so you can start tracking your spending right away. You can also change the names of those categories and create sub-categories to suit your needs.

​How is Smart Money Manager different from Mint.com?

Mint.com is not a financial institution. It is a third-party software provider that acts as an aggregator of customers’ banking information. It does not allow users in Canada to perform any online banking activities, such as pay bills or transfer money. G&F’s online banking platform offers easy-to-use tools to help you see your full financial picture, all within a banking website you know and trust.

What if I don't want to use the features?

You can minimize the view of the budget and spending features, which makes the online banking interface look similar to what you have used in the past.

The next time you use the same device to login to online banking, your preference of hiding the interface will be remembered.

Can I link my banking information from accounts in another country?

You can link your accounts from other participating financial institutions across Canada or the United States.

​Are the budgeting and spending tools also available in the app?

Yes. G&F’s mobile banking app gives you the ability to view (not manage) spending, budgets and categories for accounts held with us and through other financial institutions.

You can download your free app from the iTunes App Store or in the Google Play Store.