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Member Card® Debit Card

Having an Edam Credit Union Member Card® gives you instant access to the funds in your account, almost anywhere in the world!  You can access your account through Automated Teller Machines (ATMs) and Point of Sale (POS) terminals worldwide. Using your Member Card® allows you to:

  • Withdraw cash at an ATM ($500 daily limit) or make POS purchases at retail stores ($3000 daily limit)

  • Make deposits (5 day hold applied), transfer funds, and change your PIN at participating Credit Union ATMS

  • Keep a record of your transactions, as they are debited out of your account(s) immediately

  • View your transactions on your account history through MemberDirect® Online Banking



The following symbols are on the back of the Member Card®  for reference and indicate acceptance of your card at ATMs or retail stores:

  • Acculink® (most credit unions) ATMs in Canada

  • Interac® ATMs and POS in Canada

  • CIRRUS® ATM outside of Canada

  • MAESTRO® POS outside of Canada

Interac Flash

What is a ding-free® ATM?

Members have always enjoyed access to thousands of ding free® ATM’s across Canada (an ATM network bigger than most banks). “ding free®” means that members pay no surcharges at credit union and other participating ATM’s across Canada for withdrawals, deposits and balance inquiries.


A surcharge (or convenience fee) is a fee charged by an ATM owner at the time of the transaction and appears on the ATM receipt. A surcharge ranges from $1 to $3, and comes with a warning screen before the ATM transaction is complete.  Surcharges are not the same as transaction or account fees, which would appear on a member’s monthly statement – i.e. when a member exceeds the limits of a package account that comes with a fixed amount of free transactions per month.


How Can I Find a ding-free® ATM?

To find the nearest ding free® ATM, download our ding free® ATM locator app.  Available for iPhone, Android, Windows and Blackberry devices, our new ding free locator app makes it easy to find surcharge-free ATMs on the go.  Also, look for the ding-free® decal on participating credit union ATMs!


Interac® Flash  Frequently Asked Questions

NEW…. Edam Credit Union has launched a new Member Card® Debit Card with Interac® Flash. The new cards offer the same great benefits and more; the cards have a new look and also have the added convenience of Interac® Flash technology that can be used when making small purchases.

Interac® Flash is a fast and convenient way to pay for everyday purchases at point of sale.

Interac® Flash is trusted, using the highest security available for contactless payments protecting it from electronic pickpocketing attacks.

Interac® Flash is easy to use; just tap and go!


Your purchase is automatically debited from the account you normally use for debit card transactions.


As an additional layer of security, whenever the spend limit for Interac® Flash transactions is reached, you will be prompted to enter your PIN, to validate that you are the legitimate cardholder.





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