Interac e-Transfers are one of the fastest and easiest ways to move money between accounts, whether you’re sending funds to a friend or receiving money from another financial institution. This guide walks you through exactly how to send, receive, request, and manage e-Transfers using our Online Banking System.

What You Need to Know First

Before getting started, it helps to understand a few key terms that will come up when sending or receiving an e-transfer:

• Payee: The person you’re sending money to.
• Auto-deposit: Automatically deposits funds into an account, no security question needed.
• Security question & answer: Used when auto-deposit isn’t set up; the recipient must answer correctly to receive funds.
• Financial Institution (FI): The bank or credit union involved (e.g., Luminus, RBC, TD).

Sending e-Transfers

From Luminus to Another Financial Institution

If the recipient does NOT have auto-deposit

1. Log in to Luminus Online Banking
2. Go to Transfers
3. Select Interac e-Transfer → Send Money
4. Add a new contact using their email address
5. Create a security question and answer
6. Enter the amount and send

What happens next:

• The recipient gets an email notification
• They choose the financial institution they would like to deposit their funds to
• They answer the security question to deposit the funds

If the recipient DOES have auto-deposit

Follow the same steps, except no security question is required. The money is deposited automatically into their account shortly after being sent.

Receiving e-Transfers

From Another Financial Institution to Luminus

If YOU do NOT have auto-deposit set up:

1. The sender creates a transfer and security question
2. You receive an email notification
3. Click the link and choose Luminus Financial
4. Answer the security question with the answer the sender has provided you
5. Complete the deposit

If your email is set up for auto-deposit with Luminus:

• The money goes directly into your account
• No action required to complete the e-transfer

What If Auto-Deposit Is Linked Elsewhere?

If your email is linked to a different financial institution with auto-deposit, you won’t receive funds directly in Luminus. Instead, you can request the money.

Requesting Money (From Any FI)

You can request money anytime through Luminus:

1. Log in to Luminus Online Banking
2. Go to Transfers → Request Money
3. Add or select a contact
4. Enter the amount
5. Send the request

The sender will:

• Receive an email
• Log in to their bank
• Complete the transfer

Once the sender completes it, the funds are deposited accordingly.

Cancelling or Resending an e-Transfer

Need to make a change? You can manage pending transfers easily:

1. Log in to Luminus Online Banking
2. Go to Transfers → Send Money
3. Select Pending
4. Choose:
   • Cancel to stop the transfer
   • Remind/Resend Notice to notify the recipient again

⚠️ Important: Once a transfer is accepted (or auto-deposited), it cannot be reversed.

Tips for a Smooth e-Transfer Experience

• Double-check the recipient’s email address before sending to ensure the money is going to the correct person
• Use clear, memorable security questions
• Share the answer securely (not in the memo that goes with the transfer)
• Set up auto-deposit for faster, hassle-free deposits

Whether you’re sending money across town or receiving funds from another bank, Interac e-Transfers make it simple and secure. With Luminus Online Banking, you have full control of sending and requesting funds to tracking and managing your transfers.