Access Credit Union - Visa Debit Payments (2024)

Benefits of Visa Debit - FAQ

The Visa Debit card gives members the freedom to shop with one card directly from their bank account. The card can be used for:

  • Point of sale and ATM transactions
  • Online transactions and international purchases
  • Recurring bill payments
  • Tap to pay using the Interac Flash technology

The Visa Debit card is linked directly to your account like a regular debit card but with the benefits of a Visa credit card with acceptance online. E-commerce (online) purchases are completed and processed through your chequing account.

Think of the Access Visa Debit card as a debit card, but with added features so you can complete transactions that are only possible with a credit card such as online purchases and in-app purchases using the funds in your chequing account.

Canadian merchants online, over the phone, and by mail
Visa Debit is accepted online and in mobile apps, over the phone, and by mail at participating merchants in Canada.
It can also be used to pay for any recurring paymentsyou may have (e.g., Netflix, Amazon, subscription services, etc.) and even for paying your monthly bills.

International merchants (including US) online, over the phone and by mail

Visa Debit is accepted by US and international retailers that accept Visa online, in mobile apps, by telephone, and by mail order.

In stores outside of Canada
When shopping in stores outside of Canada, Visa Debit is accepted wherever Visa is accepted. Look for the Visa acceptance mark.

Visa Global ATM Locator

Note:The payment methods for e-commerce (online transactions) are determined by the retailer, so some online retailers may not accept payments by Visa Debit. Please check the retailer’s website to confirm accepted payment methods.

All ATM and point of sale (POS) transactions completed within Canada are processed the same way as any debit or credit card.

Transactions completed via e-commerce (online), telephone, or international POS are processed on the Visa network. This means that transactions will be processed similarly to how credit card transactions are processed. At the time of purchase, a hold is placed on your account for the amount of the purchase or pre-authorization. When the merchant processes their card transactions or when the order has been fulfilled, the purchase will debit your account and the hold will be released.

The default daily limits are the same as your existing debit card. If you are unsure what those limits are, please feel free to contact your local branch or the Member Solutions Centre at 1.800.264.2926

No, the ability to complete transactions on the card via the Visa network cannot be deactivated on the Visa Debit card. However, we do have a regular Interac-only debit card available for this purpose.

Using our self-serve fraud management features, you can customize your notifications based on your preferences right from one of our digital banking platforms, such as our mobile app or online banking in the Account Alerts section.

If your Visa Debit card is lost or stolen, please visit a branch or call our Member Solutions Centre at 1.800.264.2926.

Yes. If you’ve recently received your new Visa Debit card and have only had it for less than 31 days, you may add it to your mobile wallet by visiting your local branch or by calling the Member Solutions Centre at 1.800.264.2926.

If you have had your Visa Debit card for more than 31 days, you can add it to your digital wallet with self-serve authentication.

No. Currently digital payments with your mobile wallet (Apple Pay, Samsung Pay, Google Pay) and your Access Visa Debit card only function in Canada. If you plan to travel internationally and you want to use your Visa Debit card, you will need to bring the physical card to complete transactions.

Access Credit Union - Visa Debit Payments (2024)

FAQs

Does Access credit union have a debit VISA? ›

Currently digital payments with your mobile wallet (Apple Pay, Samsung Pay, Google Pay) and your Access Visa Debit card only function in Canada. If you plan to travel internationally and you want to use your Visa Debit card, you will need to bring the physical card to complete transactions.

What is Visa debit payment? ›

Visa Debit allows customers to make online, over-the-phone and mail order purchases, as well as recurring payments, directly from their bank account via the Visa network. Plus, when shopping at stores outside of Canada, they can pay with Visa Debit† anywhere Visa is accepted.

Can access bank visa card be used for online payment? ›

Your Access Bank Visa Signature Debit Card is a Naira Card that can be used globally. Cardholders can use them on ATMs that carry the VISA acceptance logo, the Internet, and POS terminals.

Can I pay direct debit with credit union? ›

Easy! Just call in to the Credit Union office to complete a Direct Debit mandate. Please ensure you bring your bank account details with you. Please note that Direct Debits cannot operate from a bank savings account.

What is the difference between Visa and Mastercard debit cards? ›

They operate on different payment networks

The biggest (and most obvious) difference between Visa and Mastercard is that they operate on totally separate payment networks. While a bank might issue both Visa and Mastercard branded cards, they are processed using different systems.

How do I pay with my Visa debit card online? ›

How to use your Visa Debit card online
  1. Select the items or service you want to purchase and head to check out.
  2. At check out, enter your debit card information: 16-digit card number, expiration date and CVV code.
  3. Make sure you've used the correct billing address for your debit card.

Can you make online purchases with a Visa debit card? ›

Using your Visa debit card to pay when you shop online is safe and convenient. In fact, it's very similar to using your credit card for ecommerce shopping.

Can I use my debit card to pay online? ›

Here's what to know. When you hold a checking account with a bank or credit union, you will likely be issued a debit card. This card allows you to make secure and instant purchases in-store or online using money from your checking account to directly pay for purchases, as well as make cash withdrawals from ATMs.

Can I use my credit union debit card as a credit card? ›

If you select credit, you will need to sign a copy of the receipt. Both transactions will pull from your checking account in the same way. You will also need to enter your PIN to withdraw from an ATM. A debit card is a great option for many.

Can you transfer money from credit union to bank account online? ›

Electronic Transfers

Members can transfer money directly to their bank account or another payee's bank account. Members can also transfer money from their bank account directly into their credit union account in the euro currency.

What other transactions can you perform at a bank credit union? ›

What Can You Do at a Shared Branch?
  • Deposits.
  • Withdrawals.
  • Transfers.
  • Loan payments.
  • Account inquiries.
  • Check cashing.
  • Money orders and cashier's checks.
Aug 15, 2023

Does Access Bank have visa? ›

Access Bank offers a bouquet of card products for individual and corporate customers under the major card schemes – Visa, MasterCard, and Verve.

Which banks offer debit visa? ›

all TD branches. all Scotiabank branches. all RBC branches (Virtual Visa Debit only) all ATB branches.

Do credit unions issue debit cards? ›

Your credit union or bank might offer you a debit card or ATM card. These cards allow you to transact business with your bank or credit union at ATM machines. You can check your balance, withdraw money, and make deposits.

Does Union Bank have Visa debit card? ›

"Business Platinum Debit card” on VISA platform is available for current account holders of our Bank under a) Individual b) Proprietorship c) Partnership d) Pvt.

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