• When you use your MEMBER CARD® the transaction comes right out of your account.
• You can access your chequing or savings account to withdraw cash at any cash machine around the world displaying the INTERAC ® logo or CIRRUS® logo.
• You can pay for purchases from your account without using cash, at any retail location world-wide displaying the INTERAC® Direct Payment symbol.
• Your transactions are reported on your statement and can be reviewed on MemberDirect® online banking, mobile banking as well as telephone banking.
• You require a PIN (Personal Identification Number) for you to gain access to your account, which provides you with greater security should your card become lost or stolen.
• Your MEMBER CARD® chip card offers added security and there is a slight change in how you use your card from mag-stripe cards.  The chip card is inserted into a chip terminal and left there for the duration of the transaction. The cardholder simply follows the prompts to complete the transaction.
• Protect your Personal Identification Number (PIN):   As with a mag-stripe card, if someone obtains/steals your chip card and has your PIN — or if you lose your wallet/purse and your PIN is written down in it somewhere — they will be able to make purchases and withdraw funds from your account. In other words, keep doing the things you do now to keep your card and your PIN safe.
  
  

®MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.
®INTERAC is a Trade-mark of Interac Inc. Used under license.
®CIRRUS is a registered trademark or service mark of MasterCard Worldwide or its subsidiaries in Canada.
®MemberDirect & Design are registered trademarks owned by Credit Union Central of Canada, used under license