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Transfers, deposits and payments

Bank, transfer, and pay your way. 

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Outlook Financial offers flexible ways to deposit, withdraw and transfer money.

From cheques and bank drafts to Interac eTransfers® and mobile Deposit Capture, our tools make managing your finances secure, fast and convenient. 

Transfers and payments

Me2Me transfers

Me2Me is a great way to securely move your money between your Outlook Financial accounts and your accounts at other Canadian financial institutions. 

With Outlook Financial’s Me2Me transfers, you get: 

  • Convenience: Securely move money without the need for cheques or branch visits.  
  • Security: Your transfers are safeguarded with advanced encryption and secure online banking protocols.     
  • 24/7 access: Transfer funds day or night through online banking or the mobile app. 
Set up Me-to-Me transfers Send a Me-to-Me transfer

Getting started is easy; all you need is an account at any Canadian financial institution.

Complete the Me2Me Transfer form [PDF], then print and mail it with a copy of your void cheque to the following address:

  • By mail:
    Outlook Financial
    Box 2, Station Main
    Winnipeg MB, R3C 2G1
  • By secure email:
    Follow the instructions on our Secure Email page to send your completed form safely.

Note: Your account will be linked once it's activated, which typically happens within 5 business days.

  1. Log in to Online Banking or Mobile Web.
  2. Click on the Transfers link from the left-hand menu to navigate to the Transfers screen.
  3. Enter the amount you wish to transfer.
  4. Select the account from the drop down menu from which the funds will be debited.
  5. Select the account from the drop down menu for the funds to be credited to.
  6. Select when to transfer
  7. Now (see note)*
  8. On __ (schedule a one-time transfer for a future date)
  9. Every __ (schedule a recurring transfer)
  10. Click Continue.
  11. Click Confirm to confirm the transaction details.

*Effective April 30, 2025, immediate Me2Me transfers will no longer be available. The Transfer Now option will still appear in digital banking however, transactions performed using this option will not occur immediately and will be counted as a monthly debit.

 Me2Me FAQs 

Any Canadian accounts can use Me2Me Transfers with the exception of TFSAs, RRSPs, RRIFs and any personal accounts that require two or more signatures to perform transactions. 
No. Me2Me can only be performed in Canadian funds, so even though you may have a US account at another Canadian financial institution, you cannot link it. 
Yes. Once you are set up with Outlook Financial, you can transfer to and from using Outlook's online banking at any time, regardless if the other financial institution subscribes to Me2Me. 
 Yes. 
Outlook account holders receive one free debit per month, which includes Me2Me transfers. Please refer to the service fees page for details.
The limits for Me2Me transfers are:
  • $250,000 per transaction
  • $250,000 per week
  • $500,000 per 30 days
 No, there is no minimum amount. 
  • Scheduled (future dated one time) and recurring transfers:
    If the scheduled/recurring transfer is a deposit to your account, the deposit will take place on the scheduled/recurring date, as early as 12:01 am. The corresponding withdrawal, may take several days to complete.
  • Me2Me sent using the Now option:
    This may take several days to complete–approximately 1 to 3 business days. 
Each time you resend a transfer, a new transaction is created. Make sure you only send the amount once to avoid duplicate transfers. 
To cancel a Me2Me transfer, please contact Outlook Financial support. Our team will guide you through the process to ensure your funds are handled safely. 

Account-to-account transfers

Easily and instantly move money between your Outlook Financial account and another Outlook Financial member account. 

Sign up for this feature How to transfer

Complete a Member to Member Transfer form to indicate the Outlook Financial member’s account to which you would like to make transfers.

Note: Your request to set up transfers will be completed within 2 business days.
  1. Log in to Online Banking or the Outlook Financial Mobile App.
  2. Select Transfers.
  3. Choose From Account and To Account.
  4. Enter the transfer amount.
  5. Review the details and submit.

Interac eTransfers® - send, request, and autodeposit money

Send and receive money quickly, securely, and conveniently using your email or mobile number. Interac eTransfers are safer than cash, faster than cheques and more affordable than wires.  

Getting started

What you’ll need to send an eTransfer:

  • An email address or mobile phone number
  • A bank account with a Canadian Financial Institution
  • Online banking access

 Tips for eTransfers:

  • Use Autodeposit to skip security questions.
  • Verify recipient details to avoid errors.
  • Keep transfer limits in mind.

eTransfer instructions

  1. Log in to Online Banking or the Mobile App.
  2. Click Transfers and choose Send Interac eTransfer from the left-hand menu.
  3. Click Edit Recipients and then Add Recipient to add a new transfer recipient.
  4. This is where you'll create a security question.
  1. Log in to Online Banking or the Mobile App.
  2. Click Transfers and choose Send Interac eTransfer from the left-hand menu.
  3. Click on Send Interac eTransfer and enter the amount and recipient. Don't forget to let the recipient know the answer to the security question (but don't send it with the transfer).
  4. When the funds are accepted, you will be notified through email, text message or both, whichever you chose.
  1. You will receive a notification when someone sends you an Interac eTransfer.
    The notification will include:
    -Sender's name
    -Transfer amount
    -Expiry date
    -Message from sender (optional)
    -Links and directions to assist in the deposit of the Interac eTransfer

  2. Click the link in the notification. You will be taken to the Interac website and asked to select your financial institution. Choose the Province – Manitoba – then choose Outlook Financial from the dropdown menu.

  3. Login to Online Banking or Mobile Banking.

  4. Answer the security question.
  5. Accept or decline the transfer.
  6. Deposit the funds into the account of your choice.
  7. Add an optional message to the sender and confirm the Interac eTransfer.
  8. An Interac eTransfer receipt will display.

You can cancel an Interac eTransfer anytime before the recipient has accepted the funds.

To cancel an Interac eTransfer:

  1. Sign in to Online Banking.
  2. Click Transfers and choose Pending Interac eTransfers.
  3. Find the transfer you wish to cancel and click the Cancel button on the right.
  4. Choose the account in which to deposit the reclaimed funds.
  5. Click Continue.
  6. Review your information and click Confirm to stop the transfer.

Any applicable service fees still apply and are non-refundable.

Interac Request Money

Easily request money you are owed with the Interac eTransfer Request Money feature. If accepted, the requested amount will be automatically deposited into your account and you will be notified when funds are available.

  1. Log in to Online Banking or the Mobile App.
  2. Navigate to Request Interac eTransfer Money.
  3. Add or select a contact (recipient) and fill out the name and e-mail address or mobile phone number of the person you wish to send the request to.
  4. Check off the “Request Agreement” check box acknowledging consent from the recipient for this.
  5. Type in the specified amount you are requesting and select the account you would like the funds deposited into. You can also include a personalized message with the request.
  6. Click Request and Confirm.
  7. Once the recipient has fulfilled your request, funds will immediately be deposited into your account and you will be notified immediately.

Interac Autodeposit 

The Autodeposit feature allows you to have money sent via Interac eTransfer automatically deposited directly into your Outlook account, without having to answer a security question. You get your funds seamlessly—no alerts to click and no security answers to enter.

  1. Log in to Online Banking or the Mobile App.
  2. Navigate to Autodeposit, found in the Interac eTransfer settings.
  3. Register your e-mail address and select your account. Any transfers to the registered email address will be automatically deposited into the account.
  4. Check off the acknowledgement and click Register.
  5. You will receive an email to confirm your registration. Check your inbox and click "Complete Registration".

Interac eTransfer FAQs

Money is sent and received directly from and to your existing accounts, and the funds are available as soon as the transfer is complete. There's no need to set up a new account or user ID and password, and your personal information is never shared. 

The funds are transferred using email addresses or mobile phone numbers, as well as a security question that only you and the recipient should know.

There is a $1.50 fee for sending an Interac eTransfer. This fee applies when you send money or fulfil a Request Money from someone else.

Receiving an Interac eTransfer is free for Outlook Financial members.

Standard text messaging and data rates may apply depending on your mobile provider.

Go to the Pending Interac eTransfer page, which shows all active Interac eTransfers. To see completed transfers, visit the eTransfer History page.

If the recipient has not deposited the funds, you can resend the notice by clicking Resend Notice beside the transfer status on the Pending Interac eTransfers page. 

The transaction will expire after 30 days from the date sent and notification will be sent to the sender. The sender then has 30 additional days (i.e., 60 days from the day it was originally sent) to cancel the transaction and reclaim the funds by clicking Cancel beside the transfer status on the Pending Interac eTransfers page. If the sender does not cancel the transaction after 60 total days, it will be automatically cancelled. The funds will be credited back to the sender's account and a $5.00 cancellation fee will be applied. The initial service charge will not be refunded.

For sending an Interac eTransfer 

  • Per Transaction: $3,000
  • 24-hour rolling: $10,000 
  • 7-day rolling: $10,000  
  • 30-day rolling: $20,000  

 

For receiving an Interac eTransfer  

  • Per Transaction: $25,000  
  • 24-hour rolling: No limit 
  • 7-day rolling: No limit 
  • 30-day rolling: No limit

 

*Rolling limits are calculated by day and time the Interac e-Transfer is sent. For example, if the first transaction is sent at 11:30 am, “day” is calculated on the 24-hour rolling period which will end at 11:29 am the next day. 

Bank drafts

For large or guaranteed payments, Outlook Financial provides secure Canadian Bank Drafts. Outlook Financial offers Canadian Bank Drafts for times when you need to provide guaranteed funds to a third party.

Contact an Outlook Financial Representative to purchase your bank draft. Please see our Service Fees brochure for applicable fees.

Deposits and withdrawals

Mobile Remote Deposit Capture

Deposit Anywhere™ makes it easy to deposit cheques directly from your smartphone. It’s free, fast and secure, no ATM visits required.

How to use Deposit Capture Important information
  1. Log in to the Mobile App. 
  2. Select Deposit Cheque. 
  3. Take a photo of the front and back of the cheque. 
  4. Select the account for deposit. 
  5. Enter the amount and submit. 
  • Deposits need to be in Canadian funds drawn on a Canadian financial institution. 
  • All deposits should be payable to, and endorsed by, the account holder. 
  • The limit per cheque is $100,000. 
  • Keep remotely deposited cheques in a safe place for 90 days, then destroy them. 
  • 10 days hold will apply for funds to be clear on the account.
  • Contact us right away if you encounter any problems. 

Direct deposit

Make saving effortless by setting up direct deposit of payroll and government cheques (Canadian funds) to your Outlook High-Interest Savings Account. 

How to set up

Provide your Outlook Financial account number and branch transit number to your employer or payment provider (e.g., your secure CRA account).  

Benefits

  • Faster access to funds.
  • Reduces risk of lost or stolen cheques.  

Cheques

Your Outlook High-Interest Savings Account provides you with the flexibility of writing cheques to access your funds when you need them. Each cheque counts toward the one free debit per month included with your account.

For information on how to order cheques, visit our Cheque Order page.

Shape your investment outlook

Your goals deserve tools that make investing easier. From registered plans to GICs, Outlook Financial gives you straightforward ways to build and manage your savings online. See how your investments can work harder for you. 

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