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Frequently Asked Questions

Samsung Pay Expand/Collapse

How do I know if I am eligible for Samsung Pay?

If you have a debit card and an eligible Samsung device, then you can get Samsung Pay. Samsung Pay is available to consumers and small businesses.

Which Samsung devices support Interac® debit on Samsung Pay?

Samsung Pay is available on the latest Samsung devices: Galaxy S9 & S9+, Galaxy S8 & S8+, Galaxy S7 & S7 edge, Galaxy S6, S6 edge & S6 edge+, Galaxy Note9/Note8/Note5, Galaxy A8/A5, Gear Sport, Gear S3 Frontier/Classic and Galaxy Watch.

Are there Samsung devices that aren’t supported by Samsung Pay?

Samsung devices that have been jailbroken (removing or modifying the devices restrictions. i.e. allowing the installation of unauthorized software) or otherwise tampered with are not eligible for use with Samsung Pay. The device’s operating system must also be kept up to date.

Will Samsung Pay work on any Android/Windows/Blackberry/iOS device?

Samsung Pay is currently only available on eligible Samsung devices that are listed above.

Can I use my Samsung Watch with Samsung Pay?

No, Interac® debit on Samsung Pay is not yet supported on Samsung wearable devices.

Can I use my credit card with Samsung Pay?

Samsung Pay is being launched first with debit cards, allowing you to make everyday purchases directly from your account.

How do I enable notifications for payments?

All transactions will be logged in the transaction history under the card in Samsung Pay. TO ensure they are turned on go to Settings > App Notifications > Samsung Pay.

How do I make my Copperfin debit card my default card?

Samsung does not have the ability to set a default card. The last card used or viewed would be the card defaulted for payment.

Does my debit card need to be Flash enabled to use it on Samsung Pay?

No. You do not need a flash enabled debit card to use Samsung Pay.

How many cards can I add to the Samsung Wallet?

You can add up to 10 payment cards to Samsung Pay. There is no limit to the number of gift cards that can be added to Samsung Pay.

Can I remove debit cards from Samsung Pay without deactivating my debit card(s)?

Yes. Deleting your card from Samsung Pay will not deactivate your debit card.

Is there a maximum value per transaction?

Purchase transactions are approved based on daily limits that are set out within our banking system.

What does the Samsung Pay app look like?

Where can I do if I want more information?

For more information about Samsung Pay visit their website.

Apple Pay Expand/Collapse

How do I know if I am eligible for Apple Pay?

If you have a debit/credit card and an eligible Apple device, then you can get Apple Pay. Apple Pay is available to consumers and small businesses.

Which iOS devices support Interac® debit on Apple Pay?

Apple Pay is supported within the Apple Wallet App on all current iPhones (since the release of iPhone 6) and Apple Watch. These devices are eligible for Interac® debit on Apple Pay in-store purchases.

Are there any iPhone devices that aren’t supported by Apple Pay?

iOS devices that have been jailbroken (removing or modifying the devices restrictions. i.e. allowing the installation of unauthorized software) or otherwise tampered with are not eligible for use with Apple Pay. The device’s operating system must also be kept up to date. Apple Pay is not supported on iPhones that do not support Face ID or Touch ID.

Will my Android/Windows/Blackberry phone work with Apple Pay?

Apple Pay is currently only available on eligible Apple devices.

Can I use my Apple Watch with Apple Pay?

Yes, you can add a card to your Apple Watch. You will need to add the card manually through the Apple Watch app on your iPhone. There is an issue with linking the debit card between iPhone and iWatch. Members will have to add the cards on both devices separately.

Can I use my Copperfin Credit Card with Apple Pay?

Apple Pay is available for both debit and credit cards.

How do I enable notifications for payments?

In Settings > Notifications > Wallet, select the notifications options you want. Then click “Wallet Notification Settings” at the bottom. You will be rerouted to the Apple Wallet. Tap your Copperfin debit card and in the top right corner click the ‘…’ and check off ‘Allow Notifications”.

Does my debit card need to be Flash enabled to use it on Apple Pay?

No. You do not need a flash enabled card to use Apple Pay.

How many cards can I add to the Apple Wallet?

On Apple Watch Series 3, iPhone X, iPhone 8, and iPhone 8 Plus, you can add up to 12 cards to the Apple Wallet. On earlier models, you can add up to eight cards.

How do I make my Copperfin debit card my default card?

You can choose the default option when loading your card initially or you open Settings > Wallet & Apple Pay > tap Default Card and choose your Copperfin debit card.

How many devices can I add my card to?

There is no maximum number of devices to which you can add your card for Apple Pay. However, you are responsible for verifying the validity of your card on each device, and for any charges made with the card to your account.

Can I remove cards from Apple Pay without deactivating my card(s)?

Yes. Deleting your card from Apple Pay will not deactivate or cancel your debit or credit card.

Is there a maximum value per transaction?

Purchase transactions are approved based on daily limits that are set out within our banking system.

What happens if Apple and Collabria (credit card) don’t have enough information to verify and activate the Members card in the Wallet app?

Team Members will need to ensure that emails addresses are always obtained to help minimize this risk. However, if Collabria/Apple don’t have enough information, the Member will receive a message prompting them to validate their card one of two ways: tap on the option to call cardholder support or tap on the phone to receive a 6-digit code via email, if the Member has an email on file with Collabria.

What does the Apple Wallet app look like?

Where can I do if I want more information?

For more information about Apple Pay visit their website.

Cheque Deposit - Mobile Only Expand/Collapse

When I use mobile cheque deposit, will I be able to access my funds right away?

All deposits will have a 5 business day hold. Holds can be customized in branch with proper approval.

What should I do with my cheque after my deposit is complete?

Once you have received confirmation that your cheque was deposited, write the deposit date and confirmation number on the cheque for your records. Keep the cheque for 120 days then destroy it.

What type of cheques are accepted using mobile cheque deposits?

Only Canadian cheques in Canadian funds can be deposited.

Can I deposit cheque with a different currency?

No, not at this time.

Is there a fee to use mobile cheque deposit?

No, Deposit Anywhere is a free feature.

Are there deposit limits?

There are no dollar value limits.

INTERAC e-Transfers (Send/Request Money) Expand/Collapse

How do I cancel an e-Transfer?

An e-Transfers can only be stopped by the Member if the recipient has not accepted the transfer. Log in to either Online or Mobile Banking and go to e-Transfers, and click Pending. Click on Cancel to cancel the e-Transfer.

What happens if the recipient answers the security question wrong?

Recipients have three attempts to correctly answer the security question before the transaction will remain 'pending' for the sender. The sender will then have to resend the transaction. To avoid this, ensure you provide the recipient with the password.

What are the e-Transfer limits?

The maximum dollar value you can send is $6000 in a 24 hour period, $10,000 in 7 days and $40,000 in 31 days.

The maximum dollar value you can receive is $10,000 in a 24 hour period, $140,000 in 7 days, and $600,000 in 31 days.

How much does it cost to send and receive e-Transfers?

There is a $1.00 fee to send an e-Transfer unless the account package allows for free e-Transfers. There is no fee to accept e-Transfers

Can I send money internationally?

No, money transfers can only be done from between Canadian financial institutions.

How quickly will my e-Transfer be sent?

An e-Transfer transaction is sent within approximately 30 minutes.

Can I decline a Request?

Yes, simply click the decline option on the fulfillment page.

Can I block someone from requesting money from me?

Yes, you can opt-out of receiving any requests from particular requestors on the fulfilment notification.

Are there additional costs to request money?

When you request money, the e-Transfer fee will apply to the requestor not the recipient fulfilling the request.

Autodeposit Expand/Collapse

What is Autodeposit?

Autodeposit is a fast, secure and easy way to receive money without having to answer security questions for every transaction. All you need is an email address to link to your account.

Once registered, how will I know when someone sends me money?

You will receive an email or text message each time you receive money through Autodeposit.

How can I change my email address for Autodeposit?

To update your email address simply log in to online or mobile banking and click e-Transfer, then settings. You can edit your email address there.

How do I deactivate Autodeposit?

To deactivate your Autodeposit registration, log in to Online or Mobile Banking and click e-Transfers. Under Autodeposit you can delete the email registered.

How do I know if my recipient has Autodeposit set up?

You will know if the recipient has Autodeposit enabled when you create the e-Transfer and the security question, but an answer is not required.

Will I be notified when my recipient received the funds?

Yes, you will receive an email or text message indicating the funds have been deposited.

Schedule Recurring Pay Bills Expand/Collapse

How do I know if my bill has been paid?

Reviewing your account activity will indicate if the bill payment was debited from your account.

What happens if I don't have enough money in my account to pay the bill?

If there isn't enough money to cover the bill, the system will automatically try to withdraw for five business days. Setting up account alerts can notify you of a failed bill payment.

What if I want to cancel a payment?

Members can cancel payments using Online or Mobile Banking.

To cancel a payment on the Mobile app click Pay Bills- Scheduled - and choose the bill you would like to cancel.

To cancel a payment on Online Banking click Payments - View/Modify Scheduled Payments - and choose the bill you would like to cancel.

How do I add a payee?

To add a payee on the Mobile app click Pay Bills - Manage Payees - Add Payee. You can search or browse categories to find the Payee. Once you've selected, enter the account number and click Add Payee.

To add a payee on Online Banking click Payments - Add/Delete Payees - Add Payee. You can search or browse categories to find the Payee. Once you've selected, enter the account number and click Submit.

Setting up Account Alerts Expand/Collapse

How will I receive Copperfin alerts?

Copperfin Account Alerts are set up using Online or Mobile Banking App and can be received through email or text notifications, depending on your preferences.

Can I change my alerts?

Alerts can be managed and changed as often as you'd like through Online or Mobile Banking App.

Is there a cost to Copperfin alerts?

No, our alerts are completely free

Can I set up alerts for my Copperfin Collabria credit card?

No, not at this time. Credit Cards can be managed through Collabria.

Which Account Alerts are available?

Security Alerts

  • Personal Access Code Change
  • Online Banking Account Locked Out
  • Online Login

Balance and Activity Alerts

  • Interac e-Transfer Recipient Added
  • Balance Report
  • Generic Balance Report
  • Low Balance
  • Deposit
  • Withdrawal

Payment Alerts

  • Insufficient Funds
  • Scheduled Payment Failed
  • Scheduled Transfer Failed

Me-to-Me Transfers - Online Only Expand/Collapse

Can I set up Me-to-Me Transfers from Online or Mobile?

No, Me-to-Me Transfers must be set up in branch and can only be managed using Online Banking.

What do I need to bring to set up my Me-to-Me Transfer?

Members will need to bring a void cheque and a pre-authorized form from the other financial institution.

Once my Me-to-Me is set up, how long until I can transfer money?

It takes approximately 48 hours for the setup to be finalized between Copperfin and the other financial institution, and for the amount to be deposited.