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Member Cards - Debit Cards - what do all the logos and letters mean?

ATMs and retail debit card (POS) devices may display a number of logos. Here is a brief rundown of what those logos mean to you!

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An ATM is a bank machine or automated teller machine - including machines that dispense cash only or full function devices where you can withdraw cash, transfer funds, obtain balances or deposit.

A Point of Sale (POS) device is where you use your Member Card (debit card) at a merchant to pay for purchases electronically (such as groceries or clothing). Some merchants offer cash-back options.

Online ATM Locator
Find local ATM machines using this fast and easy online tool - Click Here

Helpful tips to successfully deposit cheques to your account at an ATM
(please! do not deposit coin)

  • Ensure that YOU are the payee - not the Credit Union, not CASH, not a third party
  • Ensure that the body and figures agree
  • Ensure the cheque is payable in Canadian funds
  • Ensure that it is dated properly - not more than six months before the date of deposit and not post-dated (dated in the future)
  • Ensure the cheque is drawn on a Canadian financial institution
  • If there are changes, ensure each one has been initialled by the Drawer
    (the person writing the cheque)

Important Note:
ATM deposits are subject to "Holds" - these funds are not available until the deposit is verified.

 

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Interac
- Use your Member Card at ATMs and for direct payment (POS)
- Available in Canada only

THE EXCHANGE®
- Full service ATMs without additional surcharges*
- Canada and USA (Credit Unions, some banks)
*some state laws may override this network rule and allow surcharges
ACCEL
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- International
- withdraw cash from more than 450,000 ATMs worldwide

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