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Learn more about the latest tool in your wallet
If you’re an existing MemberCard holder, you can expect to receive a new Visa Debit card to replace your expiring MemberCard close to your card expiry date.
If you’re a new member, you’ll get a new Visa Debit card when you open a new account and request card access.
You may continue to login to your online banking platform with your existing username and password.
If you currently have an active MemberCard, you will be provided with a new Visa Debit card over the next 12 months. You can expect to get this in the mail close to your MemberCard expiry date.
If you’d like to replace your MemberCard with a new Visa Debit card right away, we can help. Simply call or visit your local branch to request a new card.
You may have received two Visa Debit cards if you already had two existing active MemberCards. The mailer that comes with your Visa Debit card will tell you which MemberCard it is replacing.
If you only use one of the active cards, make sure to check the mailer to know which card you will need to activate. If you no longer need one of your cards, you may close this card by calling or visiting your local branch.
Canadian Merchants Online, Over the Phone, and By Mail
- Visa Debit is accepted online and in mobile apps, over the phone, and by mail at participating merchants in Canada.
- It can also be used to pay for any recurring payments you may have (like Amazon) and even for paying your monthly bills (like Telus).
International Merchants (Including US) Online, Over the Phone and By Mail
- Visa Debit is accepted by US and international retailers that accept Visa online, in mobile apps, by telephone, and mail order.
In Stores Outside Canada
- When shopping in stores outside of Canada, Visa Debit is accepted wherever Visa is accepted - keep an eye out for the Visa acceptance mark.
Reminder: The payment methods for online transactions are determined by the retailer, so some online retailers may not accept payments by Visa Debit. Be sure to check the retailer's website for the list of accepted payment methods to avoid any issues.
When completing your online purchase, select Visa Debit or Visa as the payment/card type. Although the Visa Debit is not a credit card, it acts as one when making online purchases.
You’ll need to enter your Visa Debit card number, expiry, and security code (CVV found on the back of the card) in the required fields.
Reminder: The payment methods for online transactions are determined by the retailer, so some online retailers may not accept payments by Visa Debit. Be sure to check the retailer's website for the list of accepted payment methods to avoid any issues.
These transactions are processed the same way as other card-not-present Visa transactions. You will need to provide your account information such as the card number, expiry date, and the 3-digit security code (CVV) to be successful.
Visa Debit is accepted at millions of merchants worldwide and can be used for purchases made in store, online, over the phone and by mail. When shopping outside of Canada look for the Visa acceptance mark.
Please note, point-of-sale Interac Flash tap payments are only accepted within Canada. International payments require a PIN transaction or a signature to process transactions at points of sale.
In Canada
Yes, Visa Debit works at Canadian ATMs, but the transaction will be processed by Interac. Like with your MemberCard, you simply insert the card into the ATM, enter your PIN, and select the desired purpose (withdraw cash, make deposits, transfer funds, check account balances).
Outside Canada
Visa Debit can be used to withdraw funds directly from your bank account at more than 2.2 million ATMs around the world where Visa is accepted. Just look for the Visa acceptance mark, and you are set to go!
Think of your Visa Debit card as a debit card, but with added features so you can complete transactions that were only once possible with a credit card – things like hotel reservations, online purchases, and in-app purchases.
Transactions made on your Visa Debit card come directly out of your chequing or savings account, not on credit, which means that you don't need to worry about due dates or making payments.
Currently, we do not offer rewards or cashback with the BVCU Visa Debit card.
Because it is tied to your chequing /savings account and is not a credit product, your Visa Debit card does not affect your credit score in any way.
When making a Visa Debit payment, the funds come out of the primary chequing account associated with the card. This is the same account that you access by selecting "chequing" when you make a debit purchase with your MemberCard.
It’s important to note that eCommerce or online transactions will not work with Visa Debit cards linked to a savings account. You can still use it for ATM and point-of-sale transactions, and applicable surcharges may apply.
If you’d like to use your Visa Debit card for eCommerce and online purchase, we’re happy to open a chequing account that suits your needs. Call or visit your local branch to get started today!
All ATM and point of sale (POS) transactions completed within Canada are processed the exact same way as your existing MemberCard or any debit cards.
Transactions completed online, over the telephone, or International POS are processed on the Visa network. This means that transactions will process similar to how credit card transactions are processed. At the time of purchase, a hold is placed on your account for the amount of the purchase or pre-authorization. When the merchant processes their card transactions or when the order has been fulfilled, the purchase will debit your account and the hold will be released.
The purchase amount will be held until the merchant processes their card transactions and your account is debited. Depending on the merchant, it can take 1-2 days on average for a purchase to clear through your account. Some retailers can take up to 5 days. The hold amount will affect your available balance.
This is similar to a pending transaction that you would see on your credit card, which can take several business days to post.
The limit on your Visa Debit card is determined based on the available balance in your account, including available overdrafts, attached line of credit, etc.
You can check your real-time account balance through online banking, telephone banking, or by visiting your local branch.
The daily limits are the same as your existing MemberCard. For Flash Interact, the limit for contactless payments is also the same as your existing MemberCard, and completing a PIN transaction will reset the cumulative total back to zero.
Yes! The daily transaction limits for ATM or chip-and-pin point of sale transactions can be adjusted on your Visa Debit card. You can do this by calling or visiting your local branch.
No, a surcharge can't be applied if you use your Visa Debit card, as it behaves like a point-of-sale transaction. The credit card surcharge only applies to transactions paid with a credit card.
You can! All cardholders are automatically enrolled to receive text alerts from Visa. You will receive a text when your Visa Debit card is used on the Visa network for an online purchase (for example).
To cancel Visa Alerts, text STOP as a reply to any received Visa Alert.
To reinstate the Visa alerts, please contact your local branch.
Using our self-serve fraud management features, you can customize your notifications based on your preferences and risk tolerance right from one of our digital banking platforms, such as our mobile app or online banking.
Good news - you can! Using Everlink’s Lock’N’Block® technology, you can perform self-serve fraud management and protection on your Visa Debit card. You can access your Lock’N’Block settings, also known as Debit Card Management, through your digital banking account.
If you’re logged in using online banking, you can do this by going to Accounts > Cards > Manage Debit Cards to change your card security settings. If you’re using the mobile banking app, you can do this by selecting More > Manage Debit Cards.
With Debit Card Management, you can customize your security settings straight from your online banking or mobile app to do things like:
- Temporarily lock your debit cards to prevent all future transactions
- Lock POS transactions to restrict all point-of-sale purchases within Canada
- Lock international POS transactions to restrict all point-of-sale purchases outside of Canada
- Lock ATM transactions to restrict all ATM withdrawals performed within Canada
- Lock international ATM transactions to restrict all ATM withdrawals performed outside Canada
- Set worldwide ATM and POS "per-transaction" limits for withdrawals and purchases
- Lock contactless payments to restrict "tap" and in-app mobile transactions
- Lock contactless smart card transactions to restrict NFC and "tap" flash payments
- Turn on text notifications for attempted use of a locked card
It’s easy! You can manage your Visa Debit Card security settings by logging in to your digital banking account.
If you’re logged in using online banking, you can do this by going to Accounts > Cards > Manage Debit Cards to change your card security settings. If you’re using the mobile banking app, you can do this by selecting More > Manage Debit Cards.