MEMBER CARD® debit card


Safe and Secure Access to Your Money

A MEMBER CARD® debit card provides safe and secure access to your account(s) through a worldwide network of ATMs and most retail merchants in Canada and the US.

It gives you the freedom to access your funds instantly, and the control to spend only what you can afford.  All you need is your own Personal Identification Number (PIN) which you can obtain and/or change any time you feel you need to at your branch.


What are the Benefits?

  • It's your membership identification card
  • Minimizes the need to carry cash
  • Once activated with a PIN (personal identification number), your MEMBER CARD® debit card provides convenient access to your chequing and savings accounts at ATM and Interac direct payment services at participating merchants
  • As a member of THE EXCHANGE® network your Member Card® debit card provides you with access to thousands of ATMs across Canada ding-free.  Just look for Ding Free logo at the ATM to avoid surcharges.


Debit contactless payments

Interac® Debit contactless payments - a contactless payment feature of your Member Card. Pay for smaller purchases faster and easier.

How to use Interac® Debit contactless payments

Step 1

Look for the Interac® Debit contactless payments logo on the Payment terminal

Step 2

Hold your Member Card to the payment terminal

Step 3

You will know your transaction has been completed when you see the "Approved" message

Interac® Debit contactless payments FAQs

Which account is debited when I use Interac® Debit contactless payments? Expand/Collapse

You should choose to designate a specific chequing sub account to be your default account for completing Interac® Debit contactless payments transactions. This is especially recommended for transactions posted outside of Canada.

If no default account is selected for Interac® Debit contactless payments, the account that is debited for Interac® Debit contactless payments transactions will be your first available chequing account. If you do not have a chequing account then the next available savings account will be debited.

How do I get an Interac® Debit contactless payments Debit Card? Expand/Collapse

Interac® Debit contactless payments enabled Member Cards are available at any of our branch locations. You’ll need to exchange your current Member Card for a new Interac® Debit contactless payments enabled Member Card if you’d like to use this service.

Are there spending limits for this feature? Expand/Collapse

Yes. For your protection there is a transaction limit of up to $250 per purchase made using Interac® Debit contactless payments. If your purchase is above this limit, you will be prompted to insert your Member Card and enter your PIN.

As an added layer of protection, there is also a cumulative spend limit of $400 for Interac® Debit contactless payments transactions. This is the sum of all contactless transactions made with your card since the last time you entered your PIN. When this limit is reached, you will be asked to insert your Member Card and enter your PIN. This will reset your limit so you can continue to use Interac® Debit contactless payments.

I already have an Member card with Flash, will my tap limit automatically change from $100 to $250? Expand/Collapse

No. In order to make the change you need to complete 3 consecutive Point of Sale (POS) contact transactions. The contact (pinned) transactions can be completed at different terminals but must be a contact transaction (requiring PIN entry). If a contactless transaction is performed, you will not be prompted to enter your card which is why we are advising you to complete the 3 consecutive POS contact transactions.

Once the 3 consecutive POS transactions have been completed, the contactless limits on the cards will be updated.

I just received my Member card, is my tap limit set at $250? Expand/Collapse

No, new debit cards issued after December 2nd, 2020 will still need to follow the steps outlined above to increase the FLASH limit to $250.

Are there any additional account fees for using Interac® Debit contactless payments? Expand/Collapse

Good news! There are no additional fees for using this convenient service.

Will I need to use a PIN? Expand/Collapse

The first time that you pay for a purchase with your Member card using Interac® Debit contactless payments you will be prompted to enter your PIN. This will start the start the counter at $0 for the $200 limit.

If the amount of your purchase exceeds the Interac® Debit contactless payments transaction limit for that particular merchant, then you’ll be prompted by the payment terminal to insert your card and enter your PIN. You’ll also be asked to insert your card and enter your PIN once your cumulative spend limit of $200 is reached.

Will I get a receipt for Interac® Debit contactless payment transactions? Expand/Collapse

Yes, merchants will provide receipts for Interac® Debit contactless payment transactions like they do for regular Interac Debit transactions.

Is it secure? Expand/Collapse

Yes! Interac® Debit contactless payments uses secure chip processing to protect against skimming, counterfeiting and electronic pick-pocketing. Interac® Debit contactless payments also uses RF (Radio Frequency) enabled smartcard technology, which is more secure than RFID (typically used for inventory management). 

These features, along with the Flash® limits and the need to enter your PIN when the limits are reached make this a very secure solution. Additionally transactions are covered by Interac Zero Liability, which protects you against unauthorized activity on your accounts.

Do I have to use the Interac® Debit contactless payments feature on my Member Card? Expand/Collapse

The great thing is you’ll have your choice! Interac® Debit contactless payments is a safe and convenient optional feature that can be enabled or disabled any time. You can choose to use this feature, or you can insert/swipe your card, and enter your PIN as you did before.