Style, Security, and Convenience

Your LCU MemberCard® Debit Card has it all.


Access your funds instantly while spending only what you can afford. Make withdrawals, deposits, and more after regular banking hours, or when you are out of town. Your account balance is always up-to-date without the delay of cheques having to be processed.

And forget fumbling with change and losing coins in your couch cushions, because Interac Flash† technology means you can quickly and easily pay for small purchases with a tap of your card. There's no need to insert your card or enter your PIN. Simply tap the corner of the card to the merchant's reader, and off you go.


The chip technology used in your card keeps your data secure, so you are protected against skimming, fraud, and electronic pickpocketing. You can only use Flash† for purchases under $100, and once your cumulative purchases exceed $200, you will be prompted to insert your card and reset your Flash† limit. Where the MemberCard® Debit PIN Agreement has been adhered to, the Interac Zero Liability policy provides added protection against unauthorized purchases.

And every time you make a purchase with your LCU MemberCard® debit card, you're automatically protected with the following benefits:

  • Buyer Protection offers protection on the purchase of most retail items - including gifts! For a full 90 days after purchase, the item is protected if it's stolen, dropped and broken, or even consumed in a fire.
  • Extended Warranty doubles the warranty period of a purchased item up to one full year, as long as the manufacturer's warranty is valid in Canada for five years or less. You can feel confident forgoing that expensive extended warranty offered by the retailer.

The MemberCard® daily cash withdrawal limit is set at $400, and daily direct payment purchases are limited to $2,500.

Travel Tips

  • You can use your MemberCard® to withdraw cash at any international ATM displaying symbols corresponding to those on the back of your card. International ATM fees are typically higher than domestic ATM fees.
  • Check the month your MemberCard® expires. If you plan to be on vacation that month, contact Lakeland Credit Union to get your new card before you leave.

Cardholder Safety Tips

  • Never lend your card to anyone, including friends and family.
  • Protect your Personal Identification Number (PIN) - Memorize it, never write it down.
  • Never disclose your PIN to anyone. When selecting a PIN, avoid obvious combinations such as sequential numbers, birthdate, telephone number, etc.
  • Check your statements regularly and notify your credit union immediately if you detect any unusual activity such as purchases you did not make.

You have the option of securely accessing what you need whenever you need it. This removes the hazard of carrying cash around with you and the inconvenience of planning how much cash you'll need each day. With just your debit card and Personal Identification Number (PIN) you can gain confidential access to your account anywhere you see the Interac® Direct Payment symbol.

With your MemberCard® Debit Card:

  • Purchase protection insurance is included for 90 days from the date of purchase for most items
  • Extended warranty insurance doubles the original manufacturer warranty up to one year on most consumer items purchased
  • There are no incorrect charges because you verify the purchase amount before you enter your PIN
  • You can use your MemberCard® debit card surcharge free at any Ding Free® credit union ATM nationwide. To find a Ding Free® ATM near you go to to download our free app.
  • Please note: There is a $3.00 service charge fee for ATM transactions outside of Canada.

      To report a lost or stolen MemberCard® please call 1-888-277-1043 from anywhere in Canada or the US.

      Safety comes first, protect your PIN.  Cardholders should not take unnecessary risk.

      Do you have a safe pin number? Learn more about the 10 most-used PINs.

      Please contact us if you have any questions.


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