MemberCard® / Debit Card

Canadians are one of the biggest users of debit cards and ATMs in the world! At FirstOntario Credit Union, we understand the many benefits of using a debit card including:

• Access to your accounts from almost any ATM worldwide
• Point of Sale / Debit transactions
• "Cash Back" during retail shopping

 

Use your MemberCard in the US!

Now you can use your MemberCard Debit Card wherever you see the ACCEL® logo. In the United States, the ACCEL® network works the same way for debit card purchases as they do at home.

 Simply swipe your MemberCard Debit Card through the retailer's terminal and enter your personal PIN number to verify the transaction. It's that easy! As an added value when you are travelling in the US, a cash back option is also available at many participating retailers.

 

For a full list of participating US retailers, visit the Accel web site.

http://www.accelexchange.com/participatingRetailers.aspx

 

 

FirstOntario now has access to a new surcharge free ATM network in the USA called No SUR! This new network compliments the existing 190,000+ EXCHANGE® network ATMs in the USA. 

The new No SUR! network has over 900 surcharge free ATMs that are identified with the No SUR! logo. Members are guaranteed that their ATM withdrawals are surcharge free. As with THE EXCHANGE® ATM Network, you will continue to pay any account service charges not covered by your FirstOntario Package Plan as well as the Interac fee of $1.95. 

 

 

For a full list of No SUR! ATM locations please visit http://www.accelexchange.com/atmLocator.aspx

 

 

THE EXCHANGE® Network

FirstOntario is happy to now be a part of THE EXCHANGE® ATM Network. Members now have access to over 2,100 ATM locations across Canada, and over 190,000 across the U.S.A. 

 

Just look for THE EXCHANGE® logo on ATMs at participating banks and credit unions across Canada, and you can do the following transactions without paying additional surcharges:

 

• Deposit cheques and cash
• Transfer funds between accounts
• Withdraw cash
• Check account balance

 

Surcharge fees are typically $1.50 to $2.00 and are charged when you are not using a FirstOntario Credit Union ATM.  Now, you will never pay this fee when you use a bank or credit union that is also on THE EXCHANGE® NETWORK - we've agreed to never charge each other's cardholders surcharge fees.  Members can also have access to their accounts (without a surcharge, depending on the State) when traveling in the U.S.A. at any ATM where THE EXCHANGE® logo is displayed.

You will continue to pay any account service charges not covered by your FirstOntario Package Plan as well as the Interac fee of $1.45 ($1.95 outside Canada).

 

For a full list of THE EXCHANGE® Network ATMs, please visit www.the-exchange.ca and click on ATM LOCATOR.

 

Important ATM Deposit Notice

Debit card fraud comes in may different forms including Personal Identification Number (PIN) compromises, debit card skimming (duplication of a debit card), and ATM deposit fraud. FirstOntario makes every effort to protect you from these types of fraudulent acts.

FirstOntario holds deposits made at ATMs (at FirstOntario or through THE EXCHANGE® Network) until the deposit has been verified. When depositing at an ATM, you will be prompted with a message that your “deposit will be held” before proceeding. A cash back option has been added to your personal debit card for withdrawals made on same-day deposits. If you already have available funds in your account or available funds through your line of credit, you can continue to withdraw up to your daily maximum. All other card limits have not changed.

For more information about a FirstOntario line of credit or what your personal daily card limits are, please contact your branch or call 1-800-616-8878.

®Fiserv EFT is the owner of THE EXCHANGE® trade mark and its associated rights. 

 

Lost or Stolen MemberCards®

Please report a lost or stolen FirstOntario MemberCard® immediately. Please call the following number to report your card lost or stolen:

1-800-616-8878

MemberCard® Safety

Just like your credit cards and important documents, treat your MemberCard® (and the transactions you use it for) with respect.

The following has been adapted from the Interac Association consumer safety tips for debit card use:

1. Never lend your MemberCard® to anyone - - not even members of your family.
2. Protect your Personal Identity Number (PIN). It is your electronic signature.
3. Do not share/tell your PIN to anyone or write it/keep it in your wallet.
4. When selecting your PIN, avoid obvious choices such as your birthday or address.
5. Keep your MemberCard® in sight (even in your hands) when making transactions.
6. Only pay by debit when you feel comfortable.
7. Use your body or hand to block your PIN during a transaction.
8. Keep your transaction record (receipt) for reference.
9. If your FirstOntario MemberCard® is lost, stolen or retained by an ATM, contact FirstOntario immediately.
10. Report any debit theft to the police and financial institution.

 

®Registered Trade-mark of Interac Inc.  FirstOntario Credit Union authorized user of Trade-mark.