Interac e-Transfer

Note: If you’re using Interac e-Transfer for the first time, you’ll need to setup your Sender Profile before getting started. Simply follow the onscreen instructions. 

To send an Interac e-Transfer, follow the steps below:

1. Sign into Online Banking. 
2. Select ‘Interac e-Transfer’ in the main menu.
3. Input the dollar amount you want to send. 
4. Choose a contact to send money to.
   1. If needed, add a new contact by selecting the + button.
5. Select the account you want the money to come from. 
6. Optional: Schedule the transfer by turning on Schedule and selecting a future date.
   
7. If the recipient isn't registered for Autodeposit, create a security question and share the answer with them separately. Don't include the answer in the message field.
8. Optional: Add a message for your contact.
9. Click ‘Send’ and ‘Confirm’.

Depending on the account option you have, you may be charged $1.50 for sending an Interac e-Transfer. Visit our Accounts page to learn more. 

Note: While an Interac e-Transfer is pending, you can cancel it if needed. However, if the recipient has Autodeposit or has already accepted the deposit, then there will be no option to cancel. 

Note: If you do not have an Online Banking login at Libro, you can activate Online Banking today by calling Libro Connect Monday - Friday 8am - 8pm, Saturday 8am - 4pm at 1-800-361-8222.

To get started, follow the steps below: 

1. Check your email inbox or text messages for an Interac e-Transfer message. Click the link in the message.
   1. If you cannot click the link, cut and paste the link into your browser.
2. Follow the instructions to select and log into your Libro account.
3. Enter the security answer and click ‘Accept’.
4. Choose the account to deposit the money into and click ‘Deposit’.

To make the process even easier and more secure next time, set up Autodeposit today.

Set Up Autodeposit

1. Sign into  Online Banking. 
2. Select “Interac e-Transfer’ in the main menu.
3. Select the More (︙) menu, then Auto Deposit Settings,  and ‘Interac e-Transfer’.
4.  Click ‘Register an Account’
5. Select the contact method you want to register Autodeposit for: ‘Email’ or ‘Mobile’. 
6. Input the email or mobile phone number you want to connect your account to. 
7. Select the account you want the money deposited into. 
8. Select ‘Register’. 
9. A message will be sent to the contact method you chose. Open your email inbox or text messages and follow the instructions to complete your registration process. 
   • Note: the link will expire in 24 hours.

Note: You can register up to five different contact methods to five different accounts. However, once a contact method is registered for the feature, it can’t be used again with another account.  Simply click the blue ‘+’ button and follow the steps above again for a different contact method. 

Change Autodeposit

1. Sign into Online Banking. 
2. Select “Interac e-Transfer’ in the main menu.
3. At the top of the page click the three little dots ︙and click ‘Auto Deposit Settings’ and ‘Interac e-Transfer’. 
4. Toggle to ‘Autodeposit’.
5. Select the More (︙) menu beside the email or mobile number you want to update.
6. Click ‘Edit’. 
7. Make the desired changes to the contact method and account. 
8. Click ‘Save’. 

Remove Autodeposit

1. Sign into Online Banking. 
2. Select “Interac e-Transfer’ in the left-hand main menu.
3. At the top of the page click the three little dots ︙and click ‘Auto Deposit Settings’ and ‘Interac e-Transfer’. 
4. Toggle to ‘Autodeposit’. 
5. Click on the email or mobile phone number you want to remove.  
6. Click ‘Delete’ and ‘Remove’. 

1. Sign into Online Banking. 
2. Select ‘Interac e-Transfer’ in the main menu.
3. Click the ‘Transactions’ tab. 
   1. If the transaction is complete, it cannot be cancelled and will show in ‘History’.  
   2. If the transaction can still be cancelled, it will show in the ‘Processing’ tab. 
4. Navigate to the ‘Processing’ tab and click the transaction you want to cancel. The status will show as ‘Pending’ for sent transfers and ‘Available’ for requested transfers.  
5. Click ‘Delete’ and confirm your choice by selecting ‘Delete’ again. 

Note: When you cancel an Interac e-Transfer, the service charge will not be refunded. 

1. Sign into Online Banking. 
2. Select ‘Interac e-Transfer’ in the main menu.
3. Select ‘Request’ on the toggle menu. 
4. Input the dollar amount you want to request. 
5. Choose a contact to request money to.
   1. If needed, add a new contact by selecting the + button.
6.  
7. Select the account you want the money deposited to.  
8. Optional: Turn on This is an Invoice, then enter the invoice number and due date.
9. Optional: Add a message.
10. Read and accept the consent statement by clicking the tick box. 
11. Click ‘Request’ and ‘Confirm’.

Once the recipient accepts your request, the money will be deposited into your selected account. If your account does not include free Interac e-Transfers, you will be charged the $1.50 service fee at the time the request is accepted and deposited. 

Note: While an Interac e-Transfer is pending, you can cancel it if needed. However, if the recipient has already completed the request for money, you cannot cancel it.