MemberCard Debit Card

MEMBER CARD® debit card – Convenience for your way of life. Deposit, withdraw, transfer funds and check account balances. Use at any Interac®,  ACCULINK®, Maestro, Circuit or Cirrus ATM in the world. A MEMBER CARD debit card is required for access to SCU Direct® Online Services, SCU Mobile App, Mobile Banking and Mobile Web, CU BY PHONE® and to conduct Interac® e-Transfers.

Introducing Interac Flash®

The fast, secure way to use your own money. Everything you love about your Interac® Debit service offered on your SCU Debit card, but now with the added convenience of the Interac Flash technology.

Interac Flash® technology has all the benefits of Interac® Debit but, it allows you to pay for smaller purchases faster and easier, and is available at an ever-growing list of merchants across Canada. When you buy something for less than $100, you can choose to simply hold your card in front of a supporting reader at the checkout. The transaction relies on the same secure network as your SCU Debit card, except there is no need to insert your card or enter your PIN!

Look for the Interac Flash logo on contactless readers at check out. Just hold your card no more than 4 cm in front of the reader until you hear a beep. It’s that simple.

Just like any other time you use Interac Debit, your purchase is automatically debited from your bank account; so you can use your regular financial records to track all of your Interac Flash purchases.

If your single purchase is over $100, or if you’ve reached the $200 cumulative limit, you will be prompted to insert your SCU Debit card and use your PIN.

Security and Convenience

Interac Flash® technology combines the best of convenience with state-of-the-art security features to protect you and your money.

The Interac Flash feature uses secure chip processing that does not rely on the magnetic stripe. Chip is the new generation of payment card technology that makes a safe payment system even more secure. Chip-enabled debit cards contain an embedded microchip that is now the world-wide standard in payment card technology.

The security built into the chip within your card protects you against fraudulent activity. The chip uses processing power and cryptography to protect your card from skimming and counterfeiting.

The Interac® Zero Liability Policy ensures you are not liable for losses resulting from unauthorized transactions using Interac Debit services*. Protection applies to losses resulting from circumstances beyond the cardholder’s control. If you suspect fraudulent charges, please call 1 800.728.6440 during regular SCU business hours. Outside of regular business hours, call 1 888.277.1043.

Spending limits provide an added layer of protection by occasionally prompting you to enter your PIN when your limit is reached.

With the Interac Flash technology, most of the time you won’t need your PIN if the transaction does not exceed the defined spending limit. The Interac Debit service offered on your SCU Debit card, will work even if the merchant does not have an Interac Flash reader. Instead, you will insert your card and enter your PIN. Over time, more retailers will be installing Interac Flash readers for your convenience.

If you know your existing PIN, you can change it at any credit union ATM that displays the ACCULINK® symbol. You can also change your PIN at any SCU branch if you have forgotten it or feel it should be changed.

Interac Flash transactions will be itemized on your bank statement with the rest of your Interac Debit transactions. If you like, a merchant can provide a receipt for a purchase made with the Interac Flash service, just as they do with regular Interac Debit transactions.

Interac Flash transactions count just like a regular debit transaction, so if you pay fees on debit transactions with your current account package, the same fee will also apply to all Interac Flash transactions.

Arriving Soon

Watch for your new Interac Flash enabled SCU Debit card arriving in the mail over the next year. Your new Interac Flash< Debit Card will be programmed with the PIN from your existing SCU Chip MEMBER CARD. The contactless feature will be activated once you make an initial chip insertion transaction and use your PIN. Please destroy and safely dispose of your old SCU Debit Card as it is no longer valid.

*Interac Debit, Interac Flash, Interac Cash, Interac Online and Cross-Border Debit. Some conditions apply.

® ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.