Access Debit Card

Access MEMBER CARD® debit card includes the latest Interac Flash® technology. Interac Flash is Canada's first contactless debit solution. It allows you to pay for everyday purchases quickly, securely and conveniently by simply holding your Interac Flash-enabled debit card in front of the reader at checkout. You can use it at merchants across Canada - wherever you see the Interac Flash logo.

You're protected when you use Interac Flash

A single transaction can't exceed $100. If your purchase is above this limit, you will be prompted to conduct an Interac Debit transaction by inserting your card into the reader and entering your PIN. As an added layer of protection, there will also be a cumulative spend limit for Interac Flash transactions.

What is a cumulative spend limit? It's the value of all contactless transactions made with your card since the last time you entered your PIN. When this limit is reached, you will be asked to insert your card and enter your PIN. This will reset your limit so you can continue to use Interac Flash.

For more information on Interac Flash security, visit the Interac site at

See our Privacy and Security section for more information on how we keep your financial information safe.

® Trademark of Interac Inc. Used under license.

Chip Technology

Access Credit Union’s debit cards with chip technology, offer greater security and protection. You can use your Access debit card to access your accounts at ATMs for direct payments (Point-of-Sale), for online banking and telephone banking.

If you would like to change the PIN on your chip card, re-pinning can be done at any Credit Union ATM in Manitoba. If you do not know your PIN, or have forgotten your PIN, please visit your Access Credit Union branch with your chip card.

For your added protection, please bring two pieces of valid identification with you.

Lost or stolen Debit Cards: 1.888.277.1043

Learn more about chip card technology here.


ding free® from sea to sea

From BC to Newfoundland, credit union members have access to over 1,800 surcharge-free ATMs. Added up, that’s a bigger ATM network than most banks. And it’s all ding free®.

Leave ATM surcharges behind you.

We’ve all been dinged by surcharge fees at an ATM that wasn’t our own. But as a member of Access Credit Union, you don’t have to rely on our ATMs to keep from getting dinged ever again. In fact, you’re part of one of the largest surcharge-free ATM networks in the country.

Any credit union ATM is your credit union ATM.

Belonging to a national ATM network means you can bank ding free from sea to sea, with access to a national network of surcharge-free ATMs – a network bigger than most banks. Just look for a ding free sign on your ATM, and say goodbye to those pesky surcharge fees.

Get the ding free locator app today.

Available for iPhone, Android, Windows and Blackberry devices, our new ding free® locator app can help you find the nearest surcharge-free ATM – wherever you are. To get yours for free, visit


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need help?


1.800.264.2926 (North America Toll-Free)