When you send money through Chexy, your recipient receives a standard Interac e-Transfer email. Chexy does not send a separate notification. From their perspective, it looks and works like any regular e-Transfer.
What the e-Transfer Email Looks Like
Subject line: "Interac e-Transfer: Chexy sent you $[amount]. Claim your deposit!"
Sender: The email comes from Interac, not from you personally. Your name is not included in the transfer details.
Memo line: Make sure to fill this out when setting up your payment — it is how your recipient will recognize the transfer is from you.
Here is a screenshot of the email your recipient will get from Interac:
Auto-Deposit vs. Security Question
If your recipient has auto-deposit enabled:
Funds deposit directly into their account — no action required on their part.
No security question or answer is needed.
If auto-deposit is not enabled:
Your recipient must answer the security question and then accept the transfer.
You will need to share the security answer with them directly (e.g. by text or phone).
How Recipients Can Stay Secure
The security of an e-Transfer depends on how well your recipient protects their email account. Share these tips with them to make sure funds land safely.
Keep their email account secure
Use a strong, unique password for their email account (e.g. Gmail, Outlook).
Turn on multi-factor authentication (MFA) so that even if someone guesses the password, they cannot log in without a second code.
Stay alert for suspicious emails that may attempt to steal login information.
Enable auto-deposit
Recipients should set up Auto Deposit through their online banking app.
Auto Deposit ensures transfers go directly into their chequing account without requiring a security question and answer.
This eliminates the risk of a fraudster intercepting or guessing the answer.
Most banks offer this option under "Interac e-Transfer settings."
Regularly check auto-deposit registration
Log in to their online banking app regularly (e.g. monthly).
Confirm their email address is still registered as the Auto Deposit recipient for their chequing account.
Immediately contact their bank if they notice unauthorized changes.
By securing their email, enabling Auto Deposit, and checking their registration regularly, recipients can dramatically reduce the chances of e-Transfer fraud and ensure funds arrive safely.