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Old April 12th, 2009, 23:28   #1
hull_b
 
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EMT?

I know its a email money transfer... but how the hell does it work and where do I sign up? Or do I go to my bank to do it?

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Old April 12th, 2009, 23:32   #2
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Not all banks support it. Usually you can do it through your bank's website.
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Old April 12th, 2009, 23:34   #3
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You sign up for online banking with your bank and it should have EMT service available once online
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Old April 12th, 2009, 23:34   #4
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Yes, you log on to your web banking to do it. You can send one of you bank with: BMO Bank of Montreal, CIBC, RBC Royal Bank, Scotiabank, or TD Canada Trust.

http://en.wikipedia.org/wiki/Email_Money_Transfer
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Old April 12th, 2009, 23:41   #5
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You have to have online banking with one of the major banks. I could be mistaken (please correct me if i'm wrong here), but I believe the only major bank that doesn't accept EMT is National Bank. And as far as I know, no credit unions / caisse populaire support it either.

How it works...

If you're receiving a payment from someone, you get an email with a link to the Certapay site. It gives you a list of the supported banks. You click on your bank, and you're redirected to your online banking's login page, where you login, and you can then accept the funds being transferred to you. You will be asked to answer a security question with the answer you and the sender have pre-agreed to, and your money is deposited into your selected account. Receiving funds is free.

If you're sending money, it varies a bit from bank to bank. But basically, you enter the recipients email address, the amount you want to send, the account you want the money to come from, and a secret question / answer that you agree to with the recipient. The email will be sent to the recipient where he does what I described above in the previous paragraph. Sending money costs you $1.50.

So it's quick, easy, and secure. Makes transferring money online in Canada almost as easy and convenient as swiping your ATM card and typing in your PIN.
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Old December 1st, 2009, 23:10   #6
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Interact Mail Money and not EMT.

Royal bank calls it Interact Mail Money and not EMT. confused me for a bit.
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Old December 1st, 2009, 23:15   #7
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And Desjardins doesn't offer it. Sadly.
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Old December 1st, 2009, 23:26   #8
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Originally Posted by audi_bhoy View Post
And Desjardins doesn't offer it. Sadly.
I know man, 9/10 Quebec guys don't have it, such a pain having to use paypal or DD.
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Old December 1st, 2009, 23:29   #9
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Not telling you, resolved myself to sending a paper check tomorrow XD Didn't know these would still exist by these days!
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Old December 2nd, 2009, 00:09   #10
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Originally Posted by cdn_ View Post
Royal bank calls it Interact Mail Money and not EMT. confused me for a bit.
I use royal too but mine has always been Interact* Email Money Transfer
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Old December 2nd, 2009, 00:11   #11
KND
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I know man, 9/10 Quebec guys don't have it, such a pain having to use paypal or DD.
lol, at least. I have it. haha. I always prefer EMT than other payment.
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Old December 2nd, 2009, 00:16   #12
Shrapnel[Op-For]
 
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I'm with coast capital and they do not support any EMT...
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Old December 2nd, 2009, 00:17   #13
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Quote:
Originally Posted by Shrapnel[Op-For] View Post
I'm with coast capital and they do not support any EMT...
Like posted above, it's only with the 5 major banks in Canada.
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Old December 2nd, 2009, 00:20   #14
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http://www.interac.ca/consumers/prod...l_emt_list.php

List of banks and CU that do it
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Old December 2nd, 2009, 00:43   #15
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HSBC , Desjardins and TD does not do it .... HSBC is a major worldwide bank but it's not canadian so they don't care about it.
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