Debit cards
Explore and compare the debit card options available to Kawartha Credit Union members.
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Debit Card (previously Membercard)
Our standard debit card is great for members who want a simple and effective debit card option for domestic ATM and in-store point-of-sale transactions. This card offers Interac Flash (contactless payment) capability and offers a higher point-of-sale limit of $3,000.
As with all our debit cards, members can enjoy surcharge-free ATM transactions at Kawartha Credit Union branches. Plus, access to thousands of Exchange® Network surcharge-free ATMs in North America.
Debit Mastercard®
At Kawartha Credit Union, we strive to continuously innovate and improve the way we serve our members, and this multi-function card does just that. Debit Mastercard can be used for ATM and point-of-sale transactions, and is accepted by international online retailers that accept Mastercard as well as participating online retailers in Canada.
- New design includes Touch Card round notch
- Make online purchases with debit card
- Operates as a debit card (not a credit card)
Debit card comparison
| Debit Card | Debit Mastercard | |
| Kawartha Credit Union ATMS | YES | YES |
| Other Financial Institution ATMs | YES | YES |
| Exchange Network ATMs | YES | YES |
| Interac Flash Ability (contactless payment) | YES | YES |
| Point of Sale (POS) | YES | YES |
| Fees |
Standard card fees apply. |
Standard card fees apply. |
| International Purchases | YES | YES Enhanced international accessibility. |
| eCommerce (online) Purchases | Not available | YES |
| Mobile Wallet | Not available | Not available |
| Expiry | Every 5 years. A replacement card will be mailed automatically (expiring card must be active). | Every 5 years. A replacement card will be mailed automatically (expiring card must be active). |
Debit Card and Debit Mastercard: Terms and Conditions
Frequently Asked Questions (FAQ)
What is Debit Mastercard?
Debit Mastercard can be used to make purchases online, in-store, while travelling and wherever Mastercard is accepted world-wide. The key differentiator is that any purchases made with your new Debit Mastercard are paid directly from your personal chequing account just like a regular debit card.
Is Debit Mastercard a credit card?
No, Debit Mastercard is a debit card that can be used where Mastercard is accepted (online, in-store, and even while travelling internationally). Any purchases made with debit Mastercard are paid with funds you have in your personal account. Therefore, you must always ensure you have sufficient funds in your account when making purchases.
Who can have a Debit Mastercard? Is there an age limit?
All members have access to the Debit Mastercard regardless of their age. Minors will have reduced limits for point-of-sale and online purchases.
Are there stores that don’t accept Debit Mastercard?
Debit Mastercard is relatively new in Canada and therefore someCanadian online stores don’t yet accept the card for transactions. A list of participating online Canadian retailers can be found here. This list is updated periodically. Please note that if you attempt to use your card on a website that doesn’t accept Debit Mastercard, your transaction will be declined. You should not experience any changes in the way your debit card works at a retailer point-of-sale terminal.
