Frequently Asked Questions

What is a MemberCard chip card?

A MemberCard chip card is similar to a stripe card except that it contains an additional embedded microchip on the front of the card. There are many benefits of chip technology, including extra security and protection from fraudulent activity.

How will I know if I'm using a MemberCard chip card?

Your new MemberCard chip card looks like the image on this page, and has a gold coloured square (chip) on the left side of the front of the card. The card number begins with 5818 0927.

How do I use my MemberCard chip card?

The MemberCard chip card still requires you to enter your PIN when you are using an ATM or purchasing an item at a merchant by inserting the card into the machine instead of swiping it.

Where can I use my MemberCard chip card?

Anywhere you previously used your stripe card. It will take some time for all Canadian merchants to convert to the new chip technology, and at this time, the United States is not moving to chip cards. For these reasons, your MemberCard chip card still contains a magnetic stripe on the back of the card. If the merchant you are visiting doesn't have a chip terminal, your transaction will be completed by swiping the card. The chip card technology is widely used throughout Europe and Asia.

What if I don't receive a chip card or lose the one that is sent to me?

If you have not received a replacement MemberCard chip card by the end of September 2012, or lose the new chip card, or the new card does not function properly please visit our office and ask for a new MemberCard. We can issue cards from our office immediately.

Can I continue to use my MemberCard magnetic stripe card?

No. The new chip card is intended to replace the magnetic stripe card. As soon as you receive your new chip card start using it right away. Stripe cards will continue to work for a short time only, to allow all members to receive and activate their new chip cards.

How do I change the PIN on my MemberCard chip card?

There are two ways you can change your PIN:

  1. At our office ATM. Select the PIN change option – you will need to enter the current PIN, and then enter a new PIN of your choice. If you do not remember your PIN, our staff can assist you in re-pinning the card.
  2. At any ATM which displays The Exchange network logo. You will find this logo on the back of your card. Select the PIN change option – you will need to enter the current PIN, and then enter a new PIN of your choice. If you do not remember your PIN, our staff can assist you in re-pinning the card.

Is it safe to change my chip card PIN at the ATM?

Yes, it is safe to change your PIN at the ATM. As with any transaction with your chip card be aware of your surroundings. Always stand right in front of the ATM and cover your motions when entering your PIN.

What if the ATM is tampered with or a card skimming device is installed?

Your new chip card provides enhanced security features to protect you against card skimming. The information contained on the chip cannot be skimmed, so a fraudulent card reader will not be able to copy any information from your chip. In addition, if the chip can't communicate with the ATM, your transaction will not proceed.

However, if you believe the ATM has been tampered with or a card skimming device appears to have been installed, please alert office staff immediately. If this occurs after hours please call the police.

As always if you do not feel comfortable using an ATM, you may choose to use another machine or come back at another time.

What if I enter the wrong PIN?

For your protection, if the PIN is entered incorrectly three consecutive times, the PIN is automatically blocked until the following day. This cannot be changed.

Can I change my PIN at other credit unions?

Yes, but only if the other credit union uses The Exchange network. Most do. Look for The Exchange network logo on or near the ATM. The logo is also displayed on the back of your card. Then simply insert your card into the ATM, select the PIN change option and follow the screen prompts.

Can I use my MemberCard chip card for ATM withdrawals outside of Canada?

If you travel outside of Canada, please be aware the networks you use to withdraw money from ATMs are different than those used in Canada. A list of networks you can use to withdraw money outside of Canada can be found on the back of your card. To find a list of international ATMs, please click here.

Other Questions

If you have any other questions about MemberCard chip card, please visit our office or Contact Us.