MemberCard® Debit Card

The Exchange® Network

In your hometown or on the other side of the globe, you can access your account anytime with your MemberCard® Debit Card. Your MemberCard® also enables you to pay cash at stores, restaurants, and any other vendor displaying the Interac® Direct Payment Service logo. As members of the Exchange® ATM network, members using their MemberCard® Debit Card have surcharge-free access to over 3,300 ATMs in Canada on the Exchange® network.

ding free® from sea to sea

From BC to Newfoundland, credit union members have access to over 2,500 surcharge-free ATMs. Added up, that’s a bigger ATM network than most banks. And it’s all ding free®.

Statement of Commitment to the Code of Conduct

Williams Lake and District 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. 

What is Interac Flash®

Interac Flash is an easy and safe way to pay. For purchases under $100 dollars just tap and go. It is that easy!

Is Interac Flash® safe?

Yes. There are transaction limits and total spending limits put in place to ensure you are protected if your card is ever lost or stolen. A transaction limit limits the amount you can spend on an individual purchase, while the total spending limit is the maximum amount you can spend through cumulative Interac Flash transactions. If you reach one of these limits, which are set by your financial institution, you will be prompted to insert your card and enter your PIN to confirm you are the authorized card holder.

Not all contactless payment technologies are created equally. Interac Flash uses EMV secure chip processing to store and process data securely. This makes it impossible to create counterfeit cards, and protects consumers against fraudulent activity, including skimming, transaction replay types of fraud, and tactics like electronic pickpocketing.

Your card needs to be less than 4 centimetres away from the terminal and positioned at a certain angle, and you must choose Interac Flash as the payment type before your transaction can be initiated.

For your protection, Interac Debit and Interac Flash transactions are carried out online and in real-time, meaning that financial institutions see and approve each and every transaction and the card must be present at the physical point-of-sale. The MemberCard® number alone cannot be used to complete a payment transaction – it is simply an identifier, not an account number.

For more information visit the Interac website.

Protect Yourself from Debit Card Fraud

With the increase in identity theft and debit card fraud, it is critical to be aware of what fraudsters are doing and what you need to do to protect yourself.

Zero Liability Protection

You will not be liable for losses resulting from circumstances beyond your reasonable control when using Interac Debit, or Interac Flash cards, these include: technical errors, system problems, or fraud.

Just ensure you,

  • protect your PIN,
  • report a lost card
  • check your bank statements regularly
  • and report any fraudulent activity right away.

What is Debit Card Skimming?

Card skimming occurs when the electronic information contained on your MemberCard® is stolen, counterfeited and used to obtain funds from your account without your authorization. Hidden equipment is installed to obtain your Personal Identification Number (PIN) and card data. Often, the ATM or point of sale machine has been physically altered. The stolen data is then encoded onto a counterfeit card which is used to withdraw funds without your knowledge.

Prevent Magnetic Stripe Skimming: Do the POS Device Thumb Test

Criminals have been able to skim magnetic stripe cards on CHIP point-of-sale devices by swapping out the point-of-sale device with a similar looking device that has a magnetic stripe card reader in the CHIP slot.

You can protect yourself by learning to do the "Thumb Test". If you cannnot insert your CHIP card with your thumb pointed at the device and have your thumb remain fully on your card, tell the store clerk you believe the terminal has been tampered with. Do not enter your PIN and remove your card.

What is Your Responsibility?

As a Williams Lake and District Credit Union MemberCard® holder, it is your responsibility to protect your PIN, as well as practice the tips below, in order to protect yourself from this type of fraud:

  • Memorize your PIN. Your PIN is your electronic signature. If you disclose your PIN to someone else, you could be held liable for losses.
  • Use your hand or body to shield your PIN when you are conducting transactions at an ATM or point of sale terminal.
  • Check your transaction records against your financial statements regularly.
  • Keep a low limit on the amount of funds you can withdraw at an ATM. If your card information is jeopardized, the perpetrator will only have access to limited funds, thereby reducing your potential liability.

Do Not

  • Choose an obvious or common PIN. Numbers like your address, telephone number, and date of birth are all easy to guess. Choose something more complicated.
  • Disclose your PIN to anyone, even friends or family
  • Let your MemberCard® leave your sight when conducting a transaction. Don't let it be swiped twice and remember to obtain your card and the receipt as soon as the transaction is complete
  • Ignore your instincts.  Always be alert. If someone is watching you or makes you feel uncomfortable, cancel the transaction and use a different machine.

If you suspect you have been a victim of debit card fraud pertaining to your account with Williams Lake and District Credit Union, contact your branch right away.

If you want to report a lost or stolen debit card outside of normal branch hours call 1-888-277-1043. Please note that you must provide your full 16 digit card number to use this service.


Find Branch/ATM

Enter address, postal code or branch name