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    The Daily Stash

    Interac auto-deposit: how to turn it on (and off) at every major Canadian bank

    Updated · Tested by DailyStash editors

    TD Canada Trust

    1. Log in to TD Canada Trust online banking or the mobile app.
    2. Open Transfers → Interac e-Transfer → Auto-Deposit Settings (TD Canada Trust's exact wording [VERIFY]).
    3. Choose Register or Add New Auto-Deposit.
    4. Enter your email or Canadian mobile number (your handle for receiving transfers).
    5. Pick the TD Canada Trust account you want incoming e-Transfers deposited into.
    6. Interac sends a confirmation email/SMS — click the link to activate.
    7. To turn off: return to Auto-Deposit Settings and select Remove or Deregister.

    See also: TD Canada Trust Interac e-Transfer limits →

    RBC

    1. Log in to RBC online banking or the mobile app.
    2. Open Transfers → Interac e-Transfer → Auto-Deposit Settings (RBC's exact wording [VERIFY]).
    3. Choose Register or Add New Auto-Deposit.
    4. Enter your email or Canadian mobile number (your handle for receiving transfers).
    5. Pick the RBC account you want incoming e-Transfers deposited into.
    6. Interac sends a confirmation email/SMS — click the link to activate.
    7. To turn off: return to Auto-Deposit Settings and select Remove or Deregister.

    See also: RBC Interac e-Transfer limits →

    CIBC

    1. Log in to CIBC online banking or the mobile app.
    2. Open Transfers → Interac e-Transfer → Auto-Deposit Settings (CIBC's exact wording [VERIFY]).
    3. Choose Register or Add New Auto-Deposit.
    4. Enter your email or Canadian mobile number (your handle for receiving transfers).
    5. Pick the CIBC account you want incoming e-Transfers deposited into.
    6. Interac sends a confirmation email/SMS — click the link to activate.
    7. To turn off: return to Auto-Deposit Settings and select Remove or Deregister.

    See also: CIBC Interac e-Transfer limits →

    Scotiabank

    1. Log in to Scotiabank online banking or the mobile app.
    2. Open Transfers → Interac e-Transfer → Auto-Deposit Settings (Scotiabank's exact wording [VERIFY]).
    3. Choose Register or Add New Auto-Deposit.
    4. Enter your email or Canadian mobile number (your handle for receiving transfers).
    5. Pick the Scotiabank account you want incoming e-Transfers deposited into.
    6. Interac sends a confirmation email/SMS — click the link to activate.
    7. To turn off: return to Auto-Deposit Settings and select Remove or Deregister.

    See also: Scotiabank Interac e-Transfer limits →

    BMO

    1. Log in to BMO online banking or the mobile app.
    2. Open Transfers → Interac e-Transfer → Auto-Deposit Settings (BMO's exact wording [VERIFY]).
    3. Choose Register or Add New Auto-Deposit.
    4. Enter your email or Canadian mobile number (your handle for receiving transfers).
    5. Pick the BMO account you want incoming e-Transfers deposited into.
    6. Interac sends a confirmation email/SMS — click the link to activate.
    7. To turn off: return to Auto-Deposit Settings and select Remove or Deregister.

    See also: BMO Interac e-Transfer limits →

    National Bank

    1. Log in to National Bank online banking or the mobile app.
    2. Open Transfers → Interac e-Transfer → Auto-Deposit Settings (National Bank's exact wording [VERIFY]).
    3. Choose Register or Add New Auto-Deposit.
    4. Enter your email or Canadian mobile number (your handle for receiving transfers).
    5. Pick the National Bank account you want incoming e-Transfers deposited into.
    6. Interac sends a confirmation email/SMS — click the link to activate.
    7. To turn off: return to Auto-Deposit Settings and select Remove or Deregister.

    See also: National Bank Interac e-Transfer limits →

    When you can't do this

    • One handle (email or phone) can only be registered for auto-deposit at one bank account across all Canadian banks.
    • Business email addresses shared across multiple people are usually rejected by Interac's registration.
    • Some corporate/investment accounts don't support auto-deposit registration.

    Interac auto-deposit: how to turn it on (and off) at every major Canadian bank — FAQ

    How do I turn on auto-deposit at CIBC?

    CIBC Online Banking → Transfers → Interac e-Transfer → Auto Deposit Settings → Register. Enter your email or Canadian mobile, pick a deposit account, and confirm via the link Interac sends. Activation is usually instant [VERIFY].

    How do I turn off auto-deposit at CIBC?

    Same path — CIBC Online Banking → Interac e-Transfer → Auto Deposit Settings → Deregister. Removing takes effect immediately; new incoming transfers will require the usual security question.

    Can I have two email addresses on auto-deposit?

    Yes. Each email or phone number is registered separately. You can point multiple handles at the same account, or split them across accounts. Each handle needs its own Interac verification.

    Is auto-deposit safe?

    Auto-deposit removes the security question, which was Interac's main weak point — attackers who guessed the question could steal funds. Auto-deposit is now the recommended default and is at least as safe as the security-question flow.

    Related in the Interac hub