Card Products

Horizon Credit Union has a full line of card products to meet your individual and business needs, as well as the needs of our agriculture members. Our cards offer a secure and safe way to make purchases without having to carry a lot of cash or cheques and are hassle-free. The variety of card products are designed with your personal, agriculture and business lifestyles in mind. While doing business at home or traveling abroad, with one or a combination of our cards, there is no need to worry about the risks associated with carrying cash. In addition, our cards offer loyalty points through CHOICE REWARDS. Use your CHOICE REWARDS points for merchandise or travel – the Choice is yours.

Important Phone Numbers:


24 hour Lost or Stolen Card Assistance WITHIN CANADA & Continental USA

GLOBAL PAYMENT™ MasterCard® and MasterCar Credit Card: 1-800-LOST111 (1-800-567-8111) or call 1-306-566-1276 (Collect)

MEMBER CARD® debit card: 1-888-277-1043

24 hour Lost or Stolen Card Assistance OUTSIDE OF CANADA & Continental USA

GLOBAL PAYMENT™ MasterCard® and MasterCard® Credit Card: 1-800-622-1307 OR CALL 1-306-566-1276 (Collect)

MEMBER CARD® debit card: 1-888-277-1043


Horizon Credit Union now has NEW MEMBER CARD® debit cards equipped Interac Flash® technology allowing you to pay for everyday purchases quickly, securely and conveniently!

NOTE: If you are receiving a new MEMBER CARD® debit card, the card will come in the mail first, followed by the PIN a few days later. You can change your PIN at any Canadian credit union ATM that displays the ACCULINK® symbol or drop by a Horizon Credit Union branch.

If your new MEMBER CARD® has the same number as your old one, you can continue using your existing PIN – you will not need to change it.

The Interac Flash® service is a contactless payment with the functionality of Interac® Debit, and has all the benefits of Interac® Debit but it allows you to pay for smaller purchases faster and easier. When making a purchase for less than $100, you can choose to use the functionality by simply holding your card in front of a supporting reader at a check out. Your purchases will be deducted instantly from your bank account. The transaction uses chip processing and relies on the same secure network as your Horizon Credit Union debit card – no need to insert your card or enter your PIN.

As an additional layer of security, the cards have a cumulative limit and once reached, insertion of the card and entering your PIN will be required to process the transaction. After that, more transactions may be processed as “contactless” transactions until the limit is again reached. Interac Flash® technology is built using the highest security available for contactless payments protecting it from electronic pickpocketing attacks.

Your new Horizon Credit Union MEMBER CARD® debit card, featuring the Interac Flash® service is another way we are working to provide you with secure, simple, and convenient services. Please contact your local branch if you have any questions or require assistance. 

You can also view our member FAQ page by CLICKING HERE.

MEMBER CARD® debit card  is the multipurpose transaction card for accessing your account. 

You can access your credit union accounts to withdraw cash at any cash machine around the world displaying the INTERAC® logo or CIRRUS® logo. Plus, as a credit union member, you can use it at more than 2,000 “DING FREE” ATMs to withdraw cash, make deposits, and check balances, all without paying a single penny in surcharges! You can pay for purchases from your account instead of using cash, at any retail location worldwide displaying the INTERAC® Direct Payment symbol. When you use your MEMBER CARD® the transaction amount is immediately debited from your account.

Your transactions are reported on your statement and can be reviewed on MemberDirect® online banking, mobile banking as well as telephone banking. This card number along with a personal access code gives you access to MemberDirect® online banking, where you can use the many features to view transactions, create additional savings accounts for your personal convenience, pay bills, sign up for or view your eStatements, transfer money through eTransfer and HyperWALLET™, and use Mobile Banking.

Protect your 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.

GLOBAL PAYMENT™ MasterCard® Card

Take your credit union account with you wherever you go!

GLOBAL PAYMENT™ MasterCard® card offers you the convenience, flexibility and worldwide global acceptance of a traditional MasterCard® credit card. The GLOBAL PAYMENT™ MasterCard® card can be used anywhere MasterCard® is accepted including shopping online and accessing cash at an ATM. But, unlike a traditional MasterCard® credit card, when you use the card, the funds are automatically moved from your credit union account to pay off the balance after the transaction is completed.  GLOBAL PAYMENT MasterCard is a convenient extension of your account and is only available through your credit union.

Add CHOICE REWARDS® and get the best value for each dollar you spend. Earn one valuable point for every dollar spent to use towards merchandise or travel. Fees apply.

Enjoy the added benefits of:

  • MasterCard® Protection
  • Other Travel Benefits®
  • Purchase Assurance and Extended Warranty®


The security of MasterCard® with the convenience of automatic withdrawals from your chequing account!

GOLD GLOBAL PAYMENT™ MasterCard® card like the GLOBAL PAYMENT™ MasterCard® card offers you the same convenience, flexibility and worldwide global acceptance of a traditional MasterCard® credit card but with more benefits to the cardholder. When you use the card, the purchase amount is withdrawn from your chequing account.

Enjoy the added benefits of:

  • MasterCard® Protection
  • Earn CHOICE REWARDS® points on all of your eligible purchases
  • Travel medical insurance
  • Other Travel Benefits®
  • Rental Vehicle Benefits®
  • Purchase Assurance and Extended Warranty®

An annual fee may apply.

MasterCard® Credit Cards


We offer a wide variety of MasterCard® credit cards all offering the core features of worldwide global acceptance, with the world’s largest ATM network, 24-hour lost/stolen card assistance, emergency cards and emergency cash.

CHOICE REWARDS® Credit Cards include:

CHOICE REWARDS® World Elite MasterCard® Credit Card
Gold CHOICE REWARDS® MasterCard® Credit Card
CHOICE REWARDS® Low Fee Gold MasterCard® Credit Card
CHOICE REWARDS® Low Fee MasterCard® Credit Card
CHOICE REWARDS® Student MasterCard® Credit Card
No Fee CHOICE REWARDS® MasterCard® Credit Card

NON-REWARDS Credit Cards include:

Gold MasterCard® Credit Card
Low Fee Gold MasterCard® Credit Card
Low Fee MasterCard® Credit Card
Low Rate MasterCard® Credit Card
Student MasterCard® Credit Card
Business MasterCard® Credit Card – Consolidated Pay
Business MasterCard® Credit Card – Consolidated Pay with Cash Back
Business MasterCard® Credit Card – Individual Pay
Business MasterCard® Credit Card – Individual Pay with Cash Back

Coverage, terms, and conditions vary for different cards. Click HERE for details on all of our credit cards and their features. For details of your coverage, including terms, conditions, limitations and exclusions, refer to the Certificate of Insurance provided with your card. Or visit the CHOICE REWARDS® website at

To check card transactions or view your card statements online, visit

For more information or questions regarding our card products please contact us.

®MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.
®INTERAC is a trademark 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 Canadian Credit Union Association, used under license.

All trademarks are the property of the registered owners.

Personal Cards