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

*transactions fees may apply based on your account

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.

Your MEMBER CARD® debit card is accepted at any ATM or Point-of-Sale (POS) terminal displaying the ACCULINK®, The EXCHANGE®, Interac®, Cirrus® and/or ACCEL® symbols.

Find a credit union ATM.

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

It’s a safe way to pay
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

*Protection applies to losses resulting from circumstances beyond the cardholder’s control. Some conditions apply. Read more about the Interac Zero Liability Policy.

Lost or Stolen MEMBER CARD Debit Card?

Call your branch on the next business day at the numbers below.

Cranbrook 250.426.6666 or 1.866.960.6666
Elkford 250.865.4661
Fernie 250.423.9222
Sparwood 250.910.9222

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 EKC at your earliest convenience to arrange for a replacement card.