Member Direct Small Business e-Transfers

Member Direct Small Business e-Transfers

Send or receive funds to or from anyone with an email address or mobile phone number and a Canadian financial institution account from a desktop or mobile device.

Quick, Easy and Secure! Receive notifications by email and/or text message when a transfer has been sent or received. Funds are immediately withdrawn from account or deposited into account.


  • Transfer funds to anyone, anywhere, anytime.
  • Quick – Recipient has immediate access to the funds.
  • Easy – Send or receive a transfer from anywhere at any time using your computer or mobile device 24/7.
  • Secure – Your account number or Financial Institution information is NOT required. Email or text is used for communication purposes, but your funds are contained in our secure banking network. Your Personal information is secure.
  •  E-Transfers are sent only by account authorized individuals based on set-up options completed by the business.
    • bookkeepers and accountants can set-up an e-transfer transaction but only those with signing authority on the account can complete and approve the e-transfer.

Sending an INTERAC e-Transfer†

  1. Log into Online Banking and go to “Transfers”
  2. Select “Send INTERAC E-Transfer†”
  3. Set up your sender profile and add your recipient
  4. Set up security question (sender and receiver need to know Question and Answer)
  5. Add message to your recipient (optional)
  6. Enter amount to be sent
  7. Choose the account you want the funds to come from
  8. Click send – if approval is required by a second signor it will appear in their approvals and will only complete transfer once approved
  9. Your account is debited the transfer amount and a non-refundable fee of $1.50

Receiving an INTERAC e-Transfer†

The recipient will receive a notification that an INTERAC e-Transfer has been sent to them. They will then have to follow the links provided in the email or text message and answer the security question before the funds will be directly deposited into their account.

Sending Limits

Per Transaction: $3,000
Per Week: $10,000
Per Month: $20,000

Receiving Limits

Per Transaction: $10,000
Per Week: $25,000
Per Month: $50,000


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Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

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