
MEMBER CARD® Debit Card
MEMBER CARD® Debit Card information
EKC's MEMBER CARD® Debit Card allows immediate and convenient access to your accounts via ATM or as a debit card at point of sale merchant terminals.
- purchase directly from your EKC accounts
- lower service fee than cheque or in-branch access
- Canada-wide acceptance through ACCULINK®, Interac®, and THE EXCHANGE® networks
- make a deposit using any of the deposit-taking Canadian ATMs on THE EXCHANGE network
- U.S. and international use at ATMs and merchants displaying the CIRRUS® or THE EXCHANGE symbols
It's simple—no ATM surcharge fees
As a member, you can use your MEMBER CARD debit card at any ATM displaying THE EXCHANGE® or ACCULINK® logo, with no additional fees.
THE EXCHANGE® network is the second largest full-service ATM network in the province, including all BC credit unions, HSBC, and National Bank of Canada. This means that as an Envision Financial member, you can access your money when and where you want, without being 'dinged' with a surcharge. A surcharge is simply a fee that the owner of the ATM charges you for using their machine.
How large is large?
THE EXCHANGE® and ACCULINK® networks, provide you with access to over 3,300 ATMs Canada-wide.
What is Interac® Flash?

Come into your local EKC branch to get a new MEMBER CARD
The MEMBER CARD® also contains contactless technology called Interac Flash. Interac Flash allows you to pay for smaller, everyday purchases quickly, securely and conveniently by holding your new debit card up to a Flash-enabled point-of-sale terminal.
Interac Flash - Contactless Payment
It’s a great way to pay
Interac Flash is a contactless payment technology. It allows you to pay for smaller, everyday purchases quickly, securely and conveniently by holding your new debit card up to a Flash-enabled point-of-sale terminal. You’ll be able to use Interac Flash for purchases that don’t exceed $100 per transaction and $200 cumulative daily spending limit
• Fast
• Secure
• No more searching for bills or waiting for change
• No need to insert your card or enter your PIN
• Includes Interac’s Zero Liability Policy
Learn more. Click here.
Look for the symbol
MEMBER CARD® debit cards enabled with Interac Flash have the symbol below displayed on the front of the card. If your card doesn’t show the symbol below, it doesn’t have the Interac Flash technology. Please stop by EKC and ask for the Interac Flash replacement MemberCard. Any point-of-sale terminals that accept Interac Flash will have the symbol displayed below on or around the point-of-sale terminal. If you’re unsure, just ask the business if they accept Interac Flash.
How to pay using Interac Flash
At any terminal that accepts Interac Flash, simply follow these steps:
1. Hold your card no more than 4 cm in front of the terminal
2. A beep and/or approved message will indicate your transaction is done
3. The purchase amount will be deducted automatically from your everyday bank account
Your spending limit
For security purposes, we’ve set spending limits for your Interac Flash transactions:
- A single transaction can’t exceed $100
- There is a $200 cumulative daily spending limit.
- When you reach one of these limits you’ll be prompted to insert your debit card and enter your PIN. This is an added layer of protection that confirms you are the legitimate cardholder. Insert your card, enter your PIN, and your Interac Flash limits are reset
Interac Flash uses secure chip processing and does not rely on the magnetic stripe on your debit card. Interac Flash provides you with all the security benefits associated with Interac Debit, including protection against skimming, counterfeiting, replay fraud and electronic pickpocketing.
- It uses the latest chip technology
- Exclusive functionality and security unique to Interac Flash protects every transaction
- The Interac Zero Liability Policy protects you from unauthorized transactions*
- Spending limits provide an added layer of protection. When you reach the set spending limit you’re prompted to enter your PIN, which confirms that you are the legitimate cardholder

Lost or Stolen MEMBER CARD Debit Card?
Call your branch or technical support.- Cranbrook 250.426.6666 or 1.866.960.6666
- Elkford 250.865.4661
- Fernie 250.423.9222
- Sparwood 250.910.9222
After hours technical assistance
1.877.251.5230 (in North America) or email Technical Support.
Technical Support services include:
- online banking issues
- lost/stolen MEMBER CARD
- ATM support
It is also very important that you notify EKC at your earliest convenience to arrange for a replacement card.