Electronic Banking

"I live in the East Kootenay.

By day I want to fish, kayak and bike. By night I will apply for my mortgage with East Kootenay Community Credit Union, online.

Tomorrow I will start house hunting."

As the pace of our members' lives change, so does their need for convenient financial services. New technology and a more competitive marketplace have created a new era in financial services, and East Kootenay Community Credit Union is proud to be in the forefront with its array of innovative products and services.

IMPORTANT NOTICE for members traveling internationally or members shopping cross-border

You are probably aware of the new CHIP technology that is evolving within the payment industry. The majority of Canadian credit unions will be moving to a new service provider for the switching and clearing of all electronic payment transactions, including ATM and Point of Sale, to facilitate the migration of CHIP cards.

Due to this change, Point of Sale, debit transactions using your MemberCard when out of country will be disrupted beginning September 2009, continuing into 2010

Your MemberCard may still be used to withdraw cash from ATM’s, but Point of Sale debit transactions will not be accommodated. Point of Sale debit transactions are purchases made directly with your MemberCard at retailers — for example, using your MemberCard to purchase a pair of shoes at a department store or paying for a meal at a restaurant.

GLOBAL PAYMENT MasterCards will continue to work as they do today in merchant terminals in Canada and Worldwide. Your MasterCard may still be used to withdraw cash from Canadian ATM’s however GLOBAL PAYMENT MasterCards will no longer function in international ATMs.

We regret this inconvenience and strongly urge members who may be affected to contact their branch for more information. Branch staff will help ensure that you are well prepared with appropriate payment options during your travels.

CHIP Cards

What is a CHIP card?
A CHIP card, sometimes referred to as a ’smart card’ is a credit or debit card containing an embedded computer CHIP that give the card the ability to store or process data. CHIP cards and CHIP terminals work together to ensure a highly secure transaction by validating the card and cardholder. The computer CHIP makes the card more difficult to copy, thereby reducing counterfeit fraud.

When will I get my credit union CHIP card?
EKCCU looks forward to issuing CHIP cards in 2010. MasterCard CHIP cards are now being issued. If you are planning a trip overseas we suggest you order a new MasterCard CHIP card. For more information on CHIP cards please read this PDF (180 kb)

Go Mobile

Remember when a cell phone was just for calling people? Not anymore. Today you can do all kinds of things with your phone — take pictures, download music, even check your account balances.

That’s right. Introducing mobile banking — a new feature at EKCCU that gives you real-time access to your accounts wherever you happen to be. Just send a quick text message to your account and you’ll receive a message back. It’s fast, it’s easy and it’s free.

Banking on the go
Picture it. You take your car in for servicing only to find the bill is more than you anticipated. Now what? Or maybe you’re out running errands when you see that big-ticket item you’ve been drooling over is finally on sale. Should you go for it?

With mobile banking, you can check your balance and recent account activity information from anywhere you can get a signal — instantly. There’s no need to find a computer. Just pull out your text-enabled phone.

Worried about bad guys? With mobile banking, your personal information is always secure. The only information that is transmitted is your account balance or recent account activity. No PIN numbers or passwords are required. And even if you lose your phone, no one will be able to make changes to your account, steal funds or gain access to your personal information.

Ready to go?
Getting started with mobile banking is easy. To begin the sign up process, login to online banking and click on ‘My Profile’ then the ‘Mobile Banking’ link. Once you’re registered, text any of the commands to ‘Money’ (set up during registration) and receive your account information on your cell phone.

If you don’t have access to online banking yet, contact your branch to sign up today.

*Standard text messaging rates may apply depending on your provider and plan.

Launch yourself into a whole new world of convenience with the newest addition to our line of electronic financial services. MemberDirect, our new internet banking service, is now available to our members!!

View account information and receive updated balances.
Pay bills and set up future-dated bill payments.
Add or remove bills. Hundreds of vendors available.
Transfer funds between accounts within a membership or to another members' account.
Download statement information to 3rd party software such as Intuit's Quicken, Money
or Quickbooks.
ACCESS HyperWALLET

For more details click here!

What You Need to Get Started
A personal access code. This code is the same as your MemberLink (24 hour telephone banking) Personal Access Code. If you are not currently set up on MemberLink visit any one of our locations to get you started.
Windows 95 or higher
Internet Access. Explorer 5.0 or Netscape 4.0
Browser that supports 128-bit encryption (available in both Netscape Navigator/Communicator and Internet Explorer).

If you attempt to access our MemberDirect service without 128-bit encryption you will be advised that you have weak encryption and will not be able to proceed.

Conduct many of your financial transactions from the comfort of your own home, or any other location using a touch-tone phone with MemberLink, our telephone home banking system. You can access account balances, transfer funds between accounts, get statement items, and much more. Plus, you can pay many of your bills by phone, saving time and money.

East Kootenay Community Credit Union has a wide selection of Cards to choose from...

Ding Free

No surcharges, the power of membership.
Need surcharge-free access to cash?

Don’t worry about being far from your branch. With your BC credit union Member Card® debit card, you have access to over 560 ATMs on THE EXCHANGE® ATM Network in BC, and over 2,000 ATMs across Canada — all surcharge-free!

What’s the EXCHANGE® Network?

All BC credit union ATMs are joined to THE EXCHANGE® Network, the second-largest full-service ATM network in the province. This gives all BC credit union members the benefit of surcharge-free withdrawals, via their Member Card® debit cards, at any of the 491 ATMs operated by BC credit unions, plus another 72 maintained by HSBC Bank Canada, Citizens Bank of Canada and National Bank of Canada – a total of 563 ATMs province-wide, and growing.

What’s a surcharge anyway?

A surcharge is a fee that the owner of an ATM imposes on an ATM user. ATMs that surcharge have a warning screen that appears before the completion of a transaction to notify the user of a surcharge. Surcharges range anywhere from $1.25 per transaction and up. Surcharges are not the same as transaction or account fees.

If there are fees for transactions performed at ATMs on THE EXCHANGE® Network, as outlined in your credit union account agreement, these fees will still apply and will be shown on your statement.

How do I find a surcharge-free ATM?

Finding a surcharge-free ATM is now easier than ever. Use our ATM locator below, and select your province & city from the drop down menus. If you type in your address or postal code too, we’ll show you the closest surcharge-free ATMs on a map. How’s that for access?

MemberCard®

The card that allows immediate and convenient access to your East Kootenay Community Credit Union accounts via ATM or as a checkout debit card.

The Direct Payment card that allows you to pay for your purchases directly from your Credit Union accounts
Wide range of retailers honoring MemberCard
Less waiting in line
Instant acceptance
Reduces the need for cash or cheques
Canada-wide acceptance through Acculink, Interac, and Exchange networks
Lower service fee than cheque or in-Branch access

MasterCard® Gold Card

Out of province/out of country Blue Cross insurance
Collision damage waiver, personal accident and personal effects insurance
24-hour medical assistance
Travel insurance, cash transfer, ticket and documentation replacement assistance
Trip cancellation insurance up to $3000
Legal assistance away from home

90-day purchase protection, extended manufacturers warranty
Cash advances available worldwide
No transaction fees, $96 annual fee for issuing Gold Card
Honored at over 14 million outlets worldwide Accepted in over 165 countries
Earn Choice Rewards points for travel and merchandise
(this option available for a nominal fee)

MasterCard® Platinum Card

The Platinum Class card is more flexible and provides greater value than airline-affiliated programs such as AEROGOLD and AIR MILES because Platinum offers the cardholder an opportunity to select any airline, any travel time, and not be turned down due to black-out periods.

Other features include:

Minimum credit limit of $7500
Accidental death insurance
Emergency legal insurance
Collision damage waiver
Purchase protection
Extended warranty

Cash transfer/ticket/document replacement insurance
Pre-trip assistance
Delayed/lost luggage assistance
Unexpected return home coverage
Common carrier accident insurance

No transaction fees, $150 annual fee

MasterCard® Student Card

Students will be interested in this card product because it offers them convenience, security and value. I also allows students the oportunity to start building a credit history.

The features of this card include:

No annual fee
Special credit adjudication criteria
maximum credit limit of $1,000
Extended warranty

Purchase protection
Common carrier accident insurance
Master readassist
"Take 5" 5% travel rebate program

MasterCard® Credit Card

Emergency purchases or cash
Strategic short-term credit
Flexibility of a 21-day float
Cash advances available worldwide
Low rates on outstanding balances
No transaction fees

$100,000 insurance if common carrier tickets purchased with your card
No fee for issuing card
Honored at over 14 million outlets worldwide
Accepted in over 165 countries
Earn Choice Rewards points for travel and merchandise
(this option available for a nominal fee)

MasterCard® Global Payment

Convenient access to member's own chequing account wherever MasterCard is accepted
Free purchase protection, which insures most items you buy with the card for 90 days against damage or theft
Free Extended Warranty, which adds up to one full year on the original manufacturer's warranty on many items you buy with the card
Free $1,000 Accidental Death Insurance
Free $100,000 Travel Accident Insurance if common carrier tickets are purchased with your card
No fee for issuing card
Honored at over 14 million outlets worldwide
Accepted in over 165 countries

Lost or Stolen Card?

Member Card (debit card)

Debit Card Cancellation Hotline Service
Security is top of mind for EKCCU and our members. It is imperative that members have the ability to protect their funds against potential fraudulent activity due to lost, stolen or compromised debit cards.

An automated service is available to you to cancel your debit card in the event is lost, stolen or compromised. This service can be used outside of our operating hours.

Toll Free 1.866.758.5678

Before you place the call, please have your card number accessible. This number is the one on the front of your debit card. In the event of a missing card, you should record your card number and keep it in a safe place. However, never store your card number in the same location as your PIN (personal identification number). Also have a pen and paper on hand to record the reference number you will be given at the conclusion of the hotline phone call.

It is also very important that you notify EKCCU at your earliest convenience to arrange for a replacement card.

MasterCard

MasterCard cardholder support 1-800-567-8111 or collect 306-566-1276 (outside Canada and US) 24-hours a day, 7-days a week

hyperWALLET

call hyperWALLET toll free 1-877-925-5381 Mon-Fri 8am - 5pm

hyperWALLET’s online payment service gives you with the ability to email cash to friends or family anywhere in Canada or the US. You can easily transfer funds between bank accounts at different financial institutions, pay for online auctions, shop at participating e-tailers, or receive payments from other hyperWALLET users.

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