Debit cards that keep your life moving

A Debit Mastercard is similar to an Interac Flash debit card in that it functions the same way for in-person point of sale and ATM transactions (Interac Flash is a payment technology that allows you to make smaller, everyday purchases simply by holding your debit card up to an Interac Flash-enabled point-of-sale terminal – no PIN required).

Where a Debit Mastercard is different is that it can transact on the Mastercard network, which supports what’s known as “card-not-present” transactions like online purchases and recurring payments, functioning just like a credit card but transacting directly from your chequing account (if you do not have a chequing account, it will draw from your savings account). For example, you can set up your Netflix account to use your Debit Mastercard to make the payments, instead of a credit card.

No, the Debit Mastercard is a debit card that has the ability to transact on the Mastercard network. That means there is no associated credit limit with the card, and it will not display on your credit bureau report.

No, both online and point-of-sale transactions are aggregated and must be within the daily point-of-sale limit. If you make frequent online purchases, you can request a temporary card limit increase or request a fixed, higher card limit for your card in accordance with Creative Arts Financial’s policies for limits.

A variety of reasons could contribute to a failed transaction, including:

• Failed security check: Online transactions must pass through a series of security checks, which are validated against your account. This is often caused by mismatched information entered that is validated against what is on your file.
• Card limits being reached will cause a transaction to fail.
• In some circumstances, the merchant may not accept Debit Mastercard transactions.

If you wish to have a Debit Mastercard, contact our Member Service Centre at 1‑866‑800‑2787.

If you can’t remember your PIN or if you are locked out, you can reset it at any one of our Personal Assisted Teller (PAT) machines. You will need a mobile device so you can sign the applicable form electronically. Please make sure you have at least two pieces of valid photo identification.

If you know your PIN, but you want to change it to something different, you can change it at any Creative Arts Financial, FirstOntario Credit Union or THE EXCHANGE Network ATM.

Call our Member Service Centre at 1-866-800-2787 to find out your debit card and ATM withdrawal limits. If you’re planning on making a large purchase, you can request a temporary increase to your limit.

Yes, you can. As a member of Creative Arts Financial, you have surcharge-free access to thousands of THE EXCHANGE Network^® ATMs across Canada and through the Allpoint network in the U.S. Use our ATM locator to find the closest ATM on the network whenever you need to make a quick transaction.

If you use an ATM that is not a Creative Arts Financial, FirstOntario Credit Union, THE EXCHANGE Network^®, or the Allpoint network machine, you may be subject to fees from both Creative Arts Financial and the other financial institution.