Your MEMBER CARD® with Interac Flash®

How to activate replacement debit cards

Your new 19-digit debit card will still contain your existing PIN.

All you’ll have to do to activate your new debit card, and it's as easy as 1-2-3:

  1. Use it, and enter your existing PIN on one ATM or point-of-sale transaction. Once this is done, your card is activated!
  2. After you’ve activated your new card, you’ll need to use the new card number to login to online and/or mobile banking. If you use our memorized accounts feature, please remove your old card and add your new card number.
  3. Now that your new card is set up, please destroy your old debit card.

If you have any questions, please call our Member Service Centre at 1-855-220-2580.

It’s a great way to pay Expand/Collapse

Interac Flash is a contactless payment technology. It allows you to pay for smaller, everyday purchases quickly, securely and conveniently by holding your new debit card up to a Flash-enabled point-of-sale terminal. You’ll be able to use Interac Flash for purchases under $100.

  • Fast
  • Secure
  • No more searching for bills or waiting for change
  • No need to insert your card or enter your PIN
  • Includes Interac’s Zero Liability Policy

Look for this symbol Expand/Collapse

MEMBER CARD® debit cards enabled with Interac Flash have the symbol below displayed on the front of the card. If your card doesn’t show the symbol below, it doesn’t have the Interac Flash technology. We’ll be replacing all Interior Savings MEMBER CARD® debit cards with Interac Flash-enabled cards throughout 2015-2016.

Any point-of-sale terminals that accept Interac Flash will have the symbol displayed below on or around the point-of-sale terminal. If you’re unsure, just ask the business if they accept Interac Flash. You can also see a list of merchants who accept Interac Flash by clicking here.


How to pay using Interac Flash Expand/Collapse

At any terminal that accepts Interac Flash, simply follow these steps:

  1. Hold your card no more than 4 cm in front of the terminal
  2. A beep and/or approved message will indicate your transaction is done
  3. The purchase amount will be deducted automatically from your everyday bank account

Your spending limit Expand/Collapse

For security purposes, we’ve set spending limits for your Interac Flash transactions:

  • A single transaction can’t exceed $100
  • There is a $200 cumulative spending limit. The most you can spend using Interac Flash in consecutive transactions is $200.
  • When you reach one of these limits you’ll be prompted to insert your debit card and enter your PIN. This is an added layer of protection that confirms you are the legitimate cardholder. Insert your card, enter your PIN, and your Interac Flash limits are reset.

It’s a safe way to pay Expand/Collapse

Interac Flash uses secure chip processing and does not rely on the magnetic stripe on your debit card. Interac Flash provides you with all the security benefits associated with Interac Debit, including protection against skimming, counterfeiting, replay fraud and electronic pickpocketing.

  • It uses the latest chip technology
  • Exclusive functionality and security unique to Interac Flash protects every transaction
  • The Interac Zero Liability Policy protects you from unauthorized transactions*
  • Spending limits provide an added layer of protection. When you reach the set spending limit you’re prompted to enter your PIN, which confirms that you are the legitimate cardholder.

To learn what makes Interac a leader in security, safety and fraud management, watch this video:

Frequently asked questions Expand/Collapse

To read Frequently Asked Questions about Interac Flash, click here.

*Protection applies to losses resulting from circumstances beyond the cardholder’s control. Some conditions apply. Read more about the Interac .


Interac Flash