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Great News! Contactless/tap limit increased to $250

Due to the impact of Covid-19, UCU will be increasing our contactless/tap limit to $250 effective June 3rd 2021.  

You will need to complete 3 consecutive POS contact transactions (at a terminal requiring PIN entry) to activate the increase. This means you will need to make 3 transactions where you input your PIN number into a terminal.

You can perform these transactions at different times and on different terminals, but they have to be consecutive. Once you have completed 3 consecutive transactions, the contactless limit on your card  will be updated and you can resume making flash transactions with your card.

Daily limit increased to $400

We have temporarily increased the cumulative daily spend limit for Interac Flash/contactless debit transactions(Tap) from $200 to $400. The per transaction contactless limit remains at $250. 

Debit card restrictions

Due to high levels of fraud we have blocked debit card transactions for the following countries:

  • Indonesia

If you are traveling to one of the countries on the list above, and are planning to use your debit card, please call our Call Centre to have the card unblocked during your visit. The Call Centre can be reached at 416-922-4407, 1-800-461-0777 or

ACCEL®  United States POS Network now available

Ukrainian Credit Union Limited is pleased to announce a new and convenient way to purchase goods in the United States. The ACCEL® Point of Sale (POS) debit network in the United States is now available to all our Members/cardholders. The ACCEL® network is one of the largest POS networks in the United States with more than 1,000,000 merchants in the network. The majority of the top 100 US retailers use ACCEL®.

The ACCEL® network in the United States works exactly the same way debit card purchases work at home with your MemberCard. Purchases are paid for by inserting or swiping your MemberCard at the cash register and then verifying the transaction with your confidential PIN. As an added value to you when travelling within the United States, a cash back option is also available at the majority of merchants. The following is a selection of some of the merchants in the network:  

Albertsons Publix Fred Meyer
Clarke Oil Tj Maxx Echart Drugs
Associated Grocers Ralph's QFC
Conoco Foot Locker US Postal Service
Auto Zone Target Safeway Shell
The Bon Macys Wal-Mart
McDonalds Bloomingdales Home Depot
Office Depot Costco Chevron
Walgreens Texaco Dillards


Making payments safer with chip cards

Ukrainian Credit Union Limited is introducing debit cards with new chip technology - making a safe payment system even safer! Many of you already have a Ukrainian Credit Union MasterCard® with embedded chip technology, so you will already know that the changeover process is not complicated.

The move to chip technology for debit cards is Ukrainian Credit Union's latest improvement in security in our efforts to protect our members from fraud. Other such improvements include the introduction of Increased Authentication on our online accounts last year.  

Highly secure transactions

A chip card is a credit or debit card containing an embedded computer chip, which gives the card the ability to store and process data. Chip cards and chip terminals work together to ensure a highly secure transaction by validating the card and the cardholder. The computer chip provides additional protection to avoid disclosure of personal information and is very difficult to copy, creating a multi-layered defence against fraud and identity theft.

This doesn't mean you should stop doing your part: shield your PIN from prying eyes, never give it away and don't write it down in your purse or wallet.

Your debit chip card is welcome at ATMs and merchants across Canada and around the world through the networks identified on the back of your card.

You can use your debit chip card anywhere in the world - at any Automated Teller Machine (ATM) or retail location on the Interac* and associated international networks.

Changing your PIN is simple - If you'd like to change your PIN, just go to any UCU or THE EXCHANGE Network ATM to reset your PIN. If you've forgotten your PIN visit your credit union branch to have it reset.

The technology has been tested, proven and is in wide use around the world.

For more information, please read the Chip Card FAQ , contact our Call Centre or visit any Ukrainian Credit Union branch.

*Trade-mark of Interac Inc. Used under license.