Member Card® debit card

Your Kawartha Credit Union Member Card debit card is key to quick, secure, 24/7 access to your funds. Your card provides you with access to all Kawartha ATMs and thousands of surcharge-free EXCHANGE® network ATMs across Canada. 

Use your Member Card to:

  • Make purchases at retailers displaying the Interac logo
  • Withdraw cash instantly at thousands of ATMs across the world
  • Deposit cash and cheques to your account
  • Manage your accounts from an ATM; account transfers and inquiries
  • Change your PIN

Your card is secure with CHIP and PIN technology

Your Kawartha Member Card debit card contains an embedded computer microchip that stores and processes data, enhancing your card’s security. CHIP technology combined with your personal identification number (PIN) makes it extremely difficult to copy card information, protecting you against debit card fraud, skimming and counterfeiting.

Elimination of debit card swiping in Canada

Kawartha Credit Union, along with all Canadian financial institutions, is working diligently to reduce debit card fraud. With chip technology now in place, and as of the end of September 2016, you will no longer be able to use the swipe function on your debit card for purchases in Canada. All Canadian point-of-sale terminals are now expected to be chip enabled. If your favourite merchant has not yet adopted chip technology, consider using cash until they make the switch.

Interac Flash® Technology

Interac Flash® allows you to pay for everyday purchases by simply holding your debit card over a contactless card reader at checkout. Learn more about Interac Flash.

The EXCHANGE® Network

As a Credit Union member you can access thousands of surcharge-free ATMs across Canada through THE EXCHANGE® network. THE EXCHANGE® is a network of banks and credit unions that have agreed to never charge each other’s cardholders any surcharge fees. Across Canada Kawartha members can withdraw cash, make deposits, and change your PIN – surcharge free! Find a surcharge free ATM near you.

Limits apply

Personal daily limits apply when making ATM withdrawals or point of sale purchases. If you don’t know your limit or need your limit temporarily increased for a planned transaction call our Contact Centre: 1-855-670-0510.

Travelling outside of Canada? Access your money wherever you are.

Kawartha’s Member Card provides you with quick and convenient access to your money when travelling. In the United States the ACCEL® Network will assist you with ATM withdrawals, purchases and the option of cash back at POS transactions. When travelling anywhere else in the world, CIRRUS® International Network gives you access to more than 800,000 ATMs worldwide.

Lost or stolen Member Card?

If your card has been lost or stolen please report it to your branch or our Contact Centre (1-855-670-0510) right away. Consumers are fully protected with a Zero Liability Policy that allows for 100% reimbursement of funds if you happen to lose your card or if it gets stolen.

Debit Card Code of Conduct

Kawartha Credit Union is stating our re-commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks. Click here to view the Code of Conduct.