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Interac Flash® New Limits
 

To make it easier to make a wider range of purchases, tap limits are increasing. With the new limits you can now use your credit union debit card to make purchases up to $250, and up to a combined maximum of $400 without needing to enter your PIN.

Before you can tap and pay on purchases up to $250, you will need to make three consecutive debit transactions by inserting your chip and entering you PIN. These can be make at an ATM or POS terminal of your choice.

Interac Flash® is a payment technology that allows you to make smaller, everyday purchases simply by holding your credit union debit card within a few centimeters of a POS terminal - no PIN required.

many retailers accept Interac Flash®. POS terminals wil display a contactless symbol to let you know you can tap and pay using your debit card.

Paying with Interac Flash® is easy! When making a payment, simply hold your debit card within a few centimeters of a POS terminal displaying the contactless symbol. You should then hear a beep of see an approval message letting you know your purchase is complete.

Purchases made using Interac Flash® will come from the chequing or savings account that's designated as primary on your credit union debit card. By default, this is set up as your chequing account. If you don't have a chequing account, your primary account would be savings.

When it comes to fees, each purchase you make using Interac Flash® is counted the same as a debit transaction, which is important to keep in mind if you pay debit transaction fees on your credit union account. We encourage you to keep track of your transacitons and any associated fees by reviewing your account activity regualarly and to contact us if yo would like to discuss your account package options.

Yes. With Interac Flash®, you can tap and pay to make single puchases up to $250 without needing to enter your PIN. For purchases over $250, you will still be able to insert your debit card and enter your PIN to complete your payment. As an added safeguard, Interac Flash® also has a $400 combined spending limit. This is the sum of all the contactless payments that you've made with your card since entering your PIN. When this limit is reached, you will be asked to insert your card and enter your PIN. Entering you PIN will reset your limit so you can continue to use Interac Flash®.

If you experience a situation where a retailer has imposed limits other than the transaction limits listed above, please let us know.

Yes. Interac Flash® uses the latest chip technology and has unique security features tha protects each transaction. Payments made using Interac Flash® are covered under Interac's Zero Liability Policy which protects you from unauthorized use of your card.

For Interac Flash® tp wprk, a POS terminal would need to be ready to receive a debit transaction and your card would need to be within 4 centimeters of the front of the machine. So, while it's good to be aware of wehre your credit union debit card is, it's very unlikely you could make an accidental payment.

No. Your credit union debit card has security features built into the chip to prevent fraudulent activity like skimming and counterfeiting.