If you are completing a point-of-sale purchase in Canada, you will select debit (Interac).

If you are completing a point-of-sale purchase internationally, you will select credit (Mastercard).

If you are completing an online purchase with a Canadian merchant, the merchant must accept Debit Mastercard.

If you are completing an online purchase with an international merchant, you will select credit (Mastercard).

For international transactions with currency conversion, including point-of-sale purchases, ATM transactions and online purchases, a fee of 2.50% of the transaction amount will be applied.

Currently, some Canadian online merchants do not yet accept Debit Mastercard, but your card can be used with any international merchant that accepts Mastercard transactions. Please check the merchant’s website to confirm the accepted payment methods. If you attempt to use your card on a Canadian site that doesn’t accept Debit Mastercard, your transaction will be declined. View the list of Canadian merchants accepting Debit Mastercard.

When you make an online or international purchase with your Debit Mastercard, a temporary hold for the amount of your transaction is placed on your account. The transaction will not be posted through your account until it is processed by the merchant. The timing of the processing of purchases can vary by merchant. Once the transaction is processed, the hold will be removed.

To view the holds on your account, login to online banking, or the mobile app. Select the account then expand the Account Details section at the top of the transaction history to view the holds and your available balance (your current balance minus the holds).

Some merchants take longer to process payments than others, so you may see some transactions posted to your account quicker than others, even if they were performed on the same day. Some merchants may not process payments until your purchase is shipped.

If you cancel an order shortly after making the purchase, a hold may remain on the account for several days until the merchant processes the cancellation of payment.

Refund transactions may take up to seven days to be credited to your account. The speed of your refund depends on how quickly the merchant you purchased the item from processes the return.

Many hotels and car rental locations will accept Debit Mastercard. It is best to check with the specific hotel/merchant on which payment types they accept. Please note that when making reservations, the merchant may put a hold on your account to guarantee your reservation. The hold may be placed at the time of booking or upon check-in and may include the room fee plus estimated incidentals. The hold may not be released for 72 hours or longer from the date of check-out. This varies by hotel/merchant so it is best to check with your specific hotel/merchant.

Yes, your Debit Mastercard can be added to your Apple Wallet, Samsung Wallet or Google Wallet. If this is a replacement card and you had your previous debit card in your mobile wallet, you will have to delete the previous card, then add your new card. Please note, when shopping internationally, you will be required to insert your card and use your PIN to complete all transactions.

Yes, you will use your Debit Mastercard number, along with your Personal Access Code (PAC) to login to online banking or the mobile app. If this card is replacing an existing Member Card debit card:

• You will use your existing PAC to login. 
• If you have created a Saved Login with your previous debit card number, you will have to delete the Saved Login and create a new one with the new card number.

To delete a Saved Login:

1.     Click Login.

2.     Select Manage Login Profiles on the login screen.

3.     A trash icon will appear beside your saved login. Click the trash icon for the login you wish to delete.

4.     Confirm the change.

To create a Saved Login:

1.     Click Login.

2.     Enter your full debit card number found on the front of the card and enter your Personal Access Code (PAC).

3.     Select Remember Me.

4.     Enter a name for this saved login.

5.     Click Login.

If you have added your new Saved Login to the mobile app but Quickview is not displaying correctly, you will have to complete an App Reset to clear the app cache. The App Reset will remove your Saved Login so you will have to re-create it. To complete an App Reset login to the app, go to Settings, then select App Reset.