FAQ - ATMs - Using a Desjardins Access Card, PIN and Interac Flash

Interac Flash is the technology that lets you use your debit card to make contactless payments for smaller purchases. This means you donít need to insert your card into the payment terminal or enter your PIN.

Itís easy!

  1. Look for the Interac Flash or contactless payment logo.

  2. Hold your card over the secure reader
  3. Wait until itís approvedóthatís it!

When you use Flash, the chequing account linked to your Desjardins Access Card is automatically chosen.

Interac Flash works for purchases up to $100.

Yes, itís a secure system. If your card is lost or stolen, you should still contact our customer service team as soon as possible, just like you would for any other card.

Transactions made with Interac Flash are protected by Interacís Zero Liability Policy. This means you arenít responsible for unauthorized transactions made to your card.

Desjardins has a fraud prevention service working to protect you. Contactless transactions are protected by chip technology and transaction limits are set up to reduce the risk of fraud if your card is lost or stolen.

Yes. To increase security for your card and this feature, you might occasionally have to insert your card and enter your PIN to complete a transaction. There is also a cumulative limit. After you have reached a total spend of $300, you will need to enter your chip and PIN. This will reset your Flash limit.

No. There are no additional fees for using Interac Flash. These transactions are included in the number of monthly transactions included with your plan.

Interac Flash will be activated the first time you use your chip card to make a transaction, after you enter your PIN on the terminal.

No. Interac Flash only works on cards issued after October 1, 2018 (this includes reissues and replacements).

Interac Flash only works on cards issued after October 1, 2018 (this includes reissues and replacements). If you want to replace your card, visit your caisse or contact customer service at one of the following numbers:

Montreal area: 514-224-7737
Canada and the U.S.: 1-800-224-7737

No. You arenít required to use Interac Flash. You can keep making purchases of any amount with your chip and your PIN. If you want to deactivate this feature, call us at 1-800-224-7737. If you ever change your mind, we can reactivate it for you any time.

Many businesses accept Interac Flash payments, including gas stations and restaurants. Other businesses will be added in the future. Just look for the Interac Flash logo, or the contactless payment logo.

See the list of participating merchants - External link. This link will open in a new window..

No. Interac Flash only works at participating retailers in Canada.

Yes. Every merchant can give you a receipt for any purchase made with Interac Flash. The transactions will also be included on your transaction statement.

The Desjardins Access Card is your debit card. You get it when you open an account at a Desjardins caisse. You use it to identify yourself at the teller counter, when you're using an ATM, and to make direct payments in stores. Your card number is also your username for logging on to AccèsD Internet, AccèsD Telephone and AccèsD Mobile.

Learn more about the Desjardins Access Card.

Learn more about ways to bank.

For more information, see Open an account and become a member.

We will automatically mail a new Desjardins Access Card to the address we have on file for you, around 1 or 2 months before your current card expires. Your Desjardins Access Card is valid until the last day of the month it expires, which is written on the front of your card.

If this date passes and you havenít received your new card, call us at 1-800-CAISSES (1-800-224-7737).

Contact us immediately to let us know if your card is lost or stolen. Weíll make sure that the old card is cancelled and a new one is issued right away.

The service is available 24 hours a day, 7 days a week.

Montreal area: 514-281-9289
Canada and the U.S.: 1-800-361-5121

Lost or stolen I.D.

If your ID is lost or stolen, you should contact Equifax and TransUnion to let them know. Theyíll add a note to your credit file to help reduce the risk of fraud or identity theft. Fees may apply.

Equifax: 1-800-465-7166
TransUnion: 1-800-663-9980

Your Personal Identification Number (PIN) is the number you enter when using your Desjardins Access Card, credit card or prepaid card. Itís the equivalent of an electronic signature. You need it to complete transactions with your card. Without the PIN, nobody can access your account or make purchases, even if they have your card.

Learn more about your PIN.

Choose a PIN that only you could know. If you use information like your address, phone number or birthday, a criminal might be able to figure it out. You should change your PIN right away if you think someone might have learned it (for example, by watching you at an ATM or at the counter of your caisse).

If you forget your PIN, you will need to go to a Desjardins caisse. Donít forget to bring 2 valid pieces of IDóand at least one of them needs to have a photo and a signature.

For security reasons, we canít give you a new PIN by phone or email.

For security reasons, your card will be blocked if you enter your PIN incorrectly 3 times in a row. To reactivate your card, youíll have to go to any Desjardins caisse with 2 valid pieces of ID, at least one of which with a photo and signature. If you canít get to a caisse, contact us for a replacement card.

If you enter the wrong birth date 3 times, youíll need to go to your Desjardins caisse (where the account is held). No other caisse will be able to reactivate your card.

Yes! You can use your Desjardins Access Card at any PLUS network ATM. This network is the equivalent of Canadaís Interac network. It can accept PINs that are between 4 and 13 digits long, so you should enter your 5-digit PIN like you do here. These ATMs arenít free to useóyouíll be charged $3 each time you use one in North America, and $5 if youíre using it anywhere else. The owner of the ATM youíre making your withdrawal from might also charge additional fees.

You should always plan an alternative way to get local currency while youíre travelling. Your caisse can exchange some money for you if you let them know in advance.

If you want to see which financial institutions use the PLUS network in the city or country youíre visiting, check out the Visa - External link. This link will open in a new window. site.

If youíre planning a trip, let us know if youíre going to use your Desjardins credit card or prepaid card. No need to leave the house or give us a call—just use AccŤsD! Itís a secure, convenient platform thatís available 24 hours a day, 7 days a week.

You donít need to contact your caisse if youíre planning to use your Desjardins Access Card (debit card) while you travel.

Tips

  • Itís a good idea to bring a second Desjardins Access Card with you, in case one is lost or stolen. Keep it with your important documents.
  • You should also have a second way to pay for things, like a credit card or travellerís cheques.
  • Make sure youíre using a PLUS network ATM. This network is the equivalent of Canadaís Interac network and can accept 5-digit pins. If youíre asked to enter a 4-digit PIN, just enter your 5-digit PIN anyways.

To learn more, see Travelling.

You can have several cards linked to the same Desjardins account. However, you will be charged a fee, and will need to wait for the additional cards to be delivered to you.

No. You will need to request your Desjardins Access Card in person. Go to the caisse where your account is held. Youíll need to have your parent or legal guardian with you and bring valid ID.

To find the address and phone number for your caisse, see Find us.

Yes. The language on your card (French or English) is determined by the language choice we have on file for you. You need to contact your caisse if you want to change your language preference and get a new card.

You will need to contact us. This is to protect your account. The card you left behind might need to be destroyed. If thatís the case, or if the card canít be found, weíll send you a new card.

Desjardins doesn't currently offer contactless technology on debit cards.

Desjardins has a procedure in place to protect members against debit card (Desjardins Access Card) skimming. Your card is immediately deactivated when skimming is detected. You'll receive an automated call informing you of the situation and be asked to change your PIN at an ATM or a nearby caisse.

If you detect fraud on your Desjardins Access Card, you can report it at one of the following numbers and weíll see to it that a new card is issued right away.

Canada and the U.S.:

  • Personal and business cards: 1-866-335-0338
  • Collect: 1-800-361-5121, option 2 (24 hour a day, 7 days a week)

Desjardins has also implemented additional security measures that confirm your identity when you use your Desjardins Access Card (debit card). These measures are in addition to asking for your personal identification number (PIN).

To learn more, see How we protect you and Don't be a victim.

Even if debit card (Desjardins Access Card) fraud at ATMs and points of sale have made headlines, these cases are rare compared to the number of transactions carried out every year.

It is important, however, to follow certain safety rules.

Get a few pointers concerning your Personal Identification Number (PIN).

To find out more about card fraud, see Don't be a victim.

If you believe you may have been victim of ATM fraud or if your card gets stuck in an ATM, report it immediately by calling 1-800-CAISSES (1-800-224-7737).

A service advisor will cancel your card on the spot, at your request.

Find out more about protecting yourself against credit or debit card fraud.

For security purposes, Desjardins limits the total amount of ATM withdrawals that can be made at ATMs operated by Desjardins, another financial institution in Canada or another business to $1,000 a day. This aims to minimize the amount that can be fraudulently withdrawn.

However, the maximum amount permitted per withdrawal may vary from one institution to another. At Desjardins, the maximum amount per withdrawal is $500 per day. More than 1 transaction may be required to withdraw a total of $1,000.

As a member of the Interac Association, Desjardins participates in raising awareness to protect debit card Personal Identification Numbers. See the new "Protect your PIN" labels.
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