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Debit Cards

Related pages > Chip Card FAQ / ding free® / Lock 'N' BlockTM

The UCU Debit Card provides easy access to your money and is a secure way to make in-store or online purchases.

You can use your UCU Debit Card at:


  • Withdraw cash surcharge-free at UCU and Exchange Network ATMs (service charge added to out-of-network ATM transactions)
  • Deposit cash or cheques, change PIN and review account balances at UCU and Exchange Network ATMs
  • Activate a new UCU Debit Card at UCU and Exchange Network ATMs
  • Withdraw cash outside of Canada at ATMs on the Cirrus or Maestro Networks


  • Make in-store purchases with the contactless tap-and-pay feature
  • For larger purchases, you may need to swipe your card and enter your PIN
  • Make in-store purchases in the United States at stores on the Accel Network


  • Make secure online purchases on company websites and apps
  • Make recurring bill payments for subscription services

Mobile Wallet

  • Add your UCU Debit Card to the mobile wallet app on your smartphone or tablet
  • Make secure in-store, online or in-app purchases using your device

Daily Limits

Daily ATM Withdrawal Limit


Daily Point of Sale (POS) Limit


Daily Per Transaction Contactless Tap Limit



Lost or Stolen Debit Card

If your UCU Debit Card has been lost or stolen:

  • Log in to the UCU Mobile app and tap Lock ‘N’ Block to lock your card and prevent fraudulent withdrawals
  • Call 888.277.1043 to cancel your UCU Debit Card
  • Call our Contact Centre at 800.461.0777 for help