The convenient and safe way to send money to friends, family and/or loved ones around the world!

Western Union® Money Transfers via Interac e-Transfer® allows you to send money internationally using the Interac e-Transfer® to 500,000 Western Union® Agent locations through the convenience of your Online Banking account. You’ll need to be a Heritage Credit Union member to access this service, through your Online Banking.  This product offers a convenient alternative to wires, drafts, and cheques.

Please note, the Western Union® Money Transfer via Interac e-Transfer is not available on mobile banking or on our app.

Send a Western Union® Money Transfer via Interac e-Transfer

1. Login to your Heritage Credit Union online banking account
2. Click Transfers from the menu on the left-hand side
3. Select Western Union Money Transfer from the dropdown list
4. Follow the steps as indicated and fill in information as required Click Here for a Graphic Overview

When Heritage Credit Union members send money using this service, the recipient’s financial institution or account information is not required.  Please ensure the information you provide matches your recipient’s identification that they will be using to pick up the funds.    

Recipients pick up the funds in cash at their selected Western Union® Agent location.

Once your Western Union Money Transfer is complete, you’ll need to provide your recipient with their pickup requirements, which typically include:

• Western Union Money Transfer Control Number (MTCN)
• Amount Transferred
• Security Question Answer (if required for your destination)
• Identification
• Recipients must be 18 years of age or older

Once the transaction is sent from Online Banking, the recipient is able to pick-up the funds within 30 minutes at a Western Union® Agent location of their choice. There are 500,000 locations in over 200 countries.

Limits for Western Union® Money Transfers via Interac e-Transfer®

Per Transaction Minimum Value:	$10.00 CAD
Per Transaction Maximum Value:	$999.99 CAD
Daily Maximum Value:	$999.99 CAD
Weekly Maximum Value:	$2,999.97 CAD
Monthly Maximum Value:	$6,999.93 CAD

Western Union® Money Transfer via Interac e-Transfer® Fee

Fees will be charged at the initiation of sending a transfer. The fee is quoted during the transaction by Western Union® and will be included in the transaction amount on your statement.

Transfers between $1 - $300.99	Fee: $5 plus 1% of the Principal
Transfers between $301 - $999.99	Fee: $5 plus 1.75% of the Principal

Cancel a Western Union® Money Transfer via Interac e-Transfer

1. Login to your Heritage Credit Union online banking account
2. Click Transfers from the menu on the left-hand side
3. Select Western Union Money Transfer from the dropdown list
4. Select Transfer History
5. Click Cancel on the transacion Click Here for a Graphic Overview

Western Union® Money Transfers via Interac e-Transfer® can be cancelled as long as they have not been accepted by the recipient. The funds will be returned to your account. The service charge will not be refunded.

PROTECT YOURSELF FROM FRAUD

Only use Western Union to send money to friends and family. Never send money to someone you have not met in person.

Scammers sometimes encourage people to transfer money. Do not transfer money to anyone who asks you to send them money:

• For an emergency situation you haven't confirmed
• For an online purchase
• For anti-virus protection
• For a deposit or payment on a rental property
• To claim lottery or prize winnings
• To pay taxes
• For a donation to charity
• For a mystery shopping assignment
• For a job opportunity
• For a credit card or loan fee
• To resolve an immigration matter