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  • FAQ
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  1. Login to your online banking
  2. Create a profile with your email address and/or mobile phone number, if you have not already done so
  3. Select 'Send Interac e-Transfer' under 'Transfers'
  4. Select a recipient, or add a new recipient profile, by entering the person's name or business name, plus an email address and/or mobile number
  5. Choose if the recipient will receive an email and/or text message
  6. Create a security question and answer that only you and the recipient know
  7. Add a personal message (optional) but don't include the answer to the security question
  8. Select an account from which to make the transfer and enter the amount
  9. Send the Interac e-Transfer (your account will be debited the transfer amount immediately, plus any applicable fees)
  1. Ensure the link received via email or text message offers a secure connection that takes you to a site with the 'https' prefix, rather than 'http'
  2. Click on the link and you'll be taken to a secure Interac website
  3. Follow the instructions on the site to select St. Stanislaus - St. Casimir's Polish Parishes Credit Union and click 'Deposit', and you'll be redirected to our online banking login screen
  4. Login to answer the security question and accept the transfer
  5. Select the account where you wish to deposit the money

It is an easy, secure, quick and convenient way to send or receive money. Recipients are notified by email and/or text message and must login to their online banking to accept the transfer.

Any individual or small business owner with an account at a Canadian financial institution that offers the service can initiate an e-Transfer, while anyone with an account at a Canadian financial institution can receive one.

Actually, there is no money attached to emails or text messages. Instead, financial institutions use standard practices for safe money transfers.

Interac e-Transfer's are free of charge.

While there are no minimums - you can send any amount above $0 - there are maximums for both sending and receiving Interac e-Transfers.

Per Transaction Limits  
Sending Up to $3,000
Receiving Up to $10,000


Daily Limits (rolling 24 hours)  
Sending Up to $10,000
Receiving Up to $10,000


Weekly Limits (rolling 7 days)  
Sending Up to $10,000
Receiving Up to $70,000


Monthly Limits (rolling 30 days)  
Sending Up to $20,000
Receiving Up to $300,000

There are no cancellation fees, however, the sending fee is non-refundable. If you cancel an e-Transfer, your account will be credited with the dollar amount of the transfer minus the sending fee.

As long as your financial institution offers the service and you use online banking, it's free to receive an Interac e-Transfer.

NOTE: As of July 1, 2018, there is no longer an option to deposit Interac e-Transfer transactions offline (without access to online banking) . You are encouraged to deposit Interac e-Transfer transactions via online or mobile banking at one of the participating financial institutions.

This is the short code from which all Interac e-Transfer text notifications are sent.

If you provide only a landline as the way to notify a recipient, you'll be informed that the transfer could not be completed. You'll need to provide new contact information – either a mobile phone number or email. If, however, you provide a landline and an email, the recipient will be notified via email.

Yes, and delegates can too.

No. In order to send and/or receive Interac e-Transfers, both senders and recipients must have accounts at Canadian financial institutions. The transfer must also be in Canadian dollars.

For recipients, it takes approximately 30 minutes for notifications to be received. As soon as the notification is received, the recipient can deposit the money. As a sender, the money is debited from your account immediately after finalizing the transfer.

The notification will be sent to that phone number, however, that person will not be able to deposit the transfer because s/he won't know the answer to the security question. Recipients must correctly answer a security question before they can deposit the money.

You can cancel the transfer anytime until the recipient accepts it. Generally, it takes 30 minutes for notifications to be sent to recipients. To cancel a transfer, click on the 'Cancel' link beside the list of pending transfers.

If a transfer hasn't been accepted within 30 days, it will automatically expire and the sender will be notified. The sender can either click on the 'Cancel' link beside the list of pending transfers or let Interac cancel the transaction. Money will be returned to the sender within seven days of cancelling the transaction, however, fees charged at the time of sending the transfer are not reimbursable.

You can also send reminders to recipients who have yet to accept transfers by clicking on the 'Resend Notice' link beside the list of pending transfers.

In that case, you'll be notified and prompted to login to your online banking to cancel the pending transfer. 

Deposit Anywhere is a new feature on our 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 available in the Polish Credit Union Mobile Banking App. Download the iPhone or Android app.

Depositing a cheque with Deposit Anywhere is easy. Open up our mobile banking app, tap the “deposit” button, select the account you’d like the funds deposited to, enter the amount, take a photo of the front and back of the cheque, confirm the details and tap “submit”. The funds will then be deposited securely into your account.

No. There are no fees to use this service.

You can deposit cheques payable in Canadian Dollars and drawn at any Canadian financial institution. They must be payable to, and endorsed by, the account holder.

In the rare circumstance that there is an issue with the deposit after you receive confirmation during the deposit, you will be contacted by us.

No. Once you have submitted the cheques using Deposit Anywhere™, you do not need to send the cheques to the branch.

The cheques should be destroyed after 90 days.

Sometimes mistakes happen. But 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 do have any questions about the cheques you submit, you can call us anytime at 1.855.POLCU.CA and we’ll be happy to assist you.

Your deposit will usually show up in your account instantly. When you make any cheque deposit, including at an ATM, in branch, or through Deposit Anywhere™, we'll put a "hold" on these funds until the cheque has been fully processed. A "hold" of 14 days applies to cheques deposited using Deposit Anywhere™.

Yes. As a feature of our mobile banking app, Deposit Anywhere™ meets the same high standards as our mobile and online banking services.

There is no deposit dollar limit. Only one cheque can be deposited at a time, and there are no daily limits on the number of Deposit Anywhere™ transactions.

Central 1's Mobile Remote Data Capture solution performs over 30 image quality assurance tests on each picture submitted to ensure that the image is accurate and that each field can be read. If the image does not meet all the criteria, the deposit transaction fails and you will be asked to take a new picture.

You can endorse the back of the cheque, but signing into the mobile banking app effectively serves as your digital endorsement.

Cheques deposited are ineligible for re-deposit. You will need to request another cheque from the payor.

Absolutely not. The Polish Credit Union Mobile Banking App is free for our members to download, and you will never be charged for using the app. However, since the mobile app uses data, your carrier may charge, so standard data and messaging rates may apply.

The Polish Credit Union Mobile Banking App can be downloaded in just three easy steps:

For iPhone users:

  1. Using your iPhone, search for "polcu" in the App Store
  2. Select the app icon, and verify that the author of the app is St. Stanislaus - St. Casimir's Polish Parishes Credit Union Limited
  3. Tap the icon marked "Free," then tap again when it changes to "Install"

For Android™ users:

  1. Using your Android phone, tap the search icon and search for "Polish Credit Union" on Google Play™
  2. Select the app icon, and verify that the author of the app is "Polish Credit Union"
  3. Tap the icon marked "Install," then tap “Accept” in the next screen

iOS 7.0 and up.

Android OS 4.1 and up. As long as a device runs a version of the supported Android OS, that device should be able to run the Polish Credit Union Mobile Banking App but some visual anomalies may be experienced on some Android phones.

The unique QuickView feature displays the balances of your selected accounts at any time the app is open, without needing to login first.

The default setting of the QuickView feature is "Off". You can turn on QuickView under Settings / Preferences on the mobile app.

Yes. Just enter your account details as you normally would.

Your account can only be accessed by entering your personal access code. However, if you have activated the QuickView feature, your account balances will be visible. For additional security, we recommend you keep your phone password protected. Please note: at any time, you can stop the mobile app from accessing your account information by un-pairing it on our banking website.

As a rule, you should contact your mobile carrier right away to deactivate your phone. You may also change your personal access by contacting us.

Yes. You can continue to bank using our full-featured mobile site at:

For iPhone users: removing the app is as easy as tapping and holding your finger down on the Polish Credit Union Mobile Banking App icon, then tapping the "X" in the top right corner.

For Android users: if you’ve installed an app on your phone or tablet using Google Play that you no longer want, you can uninstall it by following these steps:

  1. Visit your device's Settings menu > Apps or Application manager (this may differ depending on your device).
  2. Touch the app you’d like to uninstall.
  3. Select Uninstall.

If you share a computer and Internet connection with someone, you should be aware of a potential security risk. The other person could view your confidential financial information by hitting the Back button on your Web browser after you have used it to do your banking. You can keep your private information secure by closing your Web browser after your banking session or by clearing your browser's cache. Refer to your browser's help section for instructions on how to do this.

Member security is important to us. Our top priority is to protect the privacy of your personal account information and your financial transactions.

The first security level begins with your Web browser. We require that the Web browser you use have 128-bit encryption, one of the highest forms of encryption technology available today.

To access Online Banking, you need to use: A current web browser with 128-bit encryption.

To ensure a safe and secure Internet session, only visit reputable sites. If you visit any questionable Web site before our Online Banking, we recommend you close your browser and restart it before proceeding to Credit Union Online Banking.

Encryption scrambles all information between your PC and our computers and guarantees one of the highest levels of security, privacy and confidentiality. Your banking information and transactions are kept secure by using one of the best commercial-use encryption technologies available - 128-bit encryption.

If you want to find out what security level your browser has, simply look in your browser's 'Help' menu and select 'About. The dialog box that appears will provide information on your browser's level of security.

A chip debit card contains an embedded computer chip, providing increased protection against debit card skimming and the creation of counterfeit debit cards.

Yes. Chip-enabled Automated Banking Machines and retail terminals will still require that you enter your PIN. The PIN remains a key security element of the transaction.

With chip cards, merchants do not have access to any other data than what they have today with a magnetic stripe card.

The only information that merchants are allowed to store is the basic transaction data, such as the time, date, purchase amount and debit card number. This basic information is necessary in the event that a cardholder requests a trace.

The only information stored from the debit card itself is the debit card number, which alone is not sufficient enough to create a counterfeit card.

Yes. Our Credit Union chip cards will work in countries that utilize chip technology. You will still be able to use your chip debit card in countries that have not yet migrated to chip technology, as our cards contain both a chip and magnetic stripe.

Yes, however the specific timetable for the introduction of chip debit cards will vary from one financial institution to another.

Interac Association has set deadlines for the conversion to chip technology. Magnetic stripe technology will no longer be accepted for Interac branded cards at Automated Banking Machines after December 31, 2012 and at retail terminals after December 31, 2015.

Our Credit Union ATM Card is also a debit card and gives you access to POINT OF SALE Terminals to electronically purchase goods and services.

Interac Debit and Interac Flash transactions are approved by the credit union through secure online systems in real-time. Transactions appear instantly on your bank account records, allowing you to monitor your available balance so you can keep track of your spending.

Security is important to us. Chip-enabled Interac Debit and Interac Flash cards are extremely secure and protected from fraud tactics such as skimming, duplicating and electronic pickpocketing. When you make a payment, the only data transmitted consists of payment transaction codes, not confidential details about your bank account. Transactions occur in real time, so no information can be captured by criminals to conduct fraudulent transactions or commit identity theft. 

Interac Debit and Interac Flash are extremely secure forms of payment with sophisticated safeguards and fraud detection tools in place to protect you:

  • Interac debit cards use EMV secure chip processing to store and process data securely. This makes it next to impossible to create counterfeit cards and protects you against fraud tactics such as skimming, transaction replay and electronic pickpocketing.
  • When you use Interac Debit on your mobile device, you enjoy the same security features as your Interac debit card, as well as your device’s standard security measures such as passcode or biometric ID verification.
  • Transaction limits are set at $100 per transaction. There is also added protection of a cumulative contactless limit set by individual banks or credit unions. A cumulative limit is the maximum contactless spend limit that can be done by an individual Interac debit card before the user is promoted to reset the limit with a Chip and PIN transaction. This confirms that you are the authorized cardholder.

You are also protected from any losses due to unauthorized transactions under the Interac Zero Liability Policy. If your card is lost or stolen, contact the credit union right away.

While there are multiple safeguards in place, as an Interac debit cardholder, you also play an important role in protecting yourself from fraud:

  • Only you should use your Interac debit card or mobile device to make purchases.
  • Choose a PIN that’s difficult for others to guess, avoiding obvious numbers like your telephone number or birthdate, and don’t share it with anyone.
  • Check your bank statements regularly and immediately report any unusual activity to your bank or credit union.
  • If your card is lost or stolen, contact your bank or credit union right away.