Chequing Accounts

Mother and daughter at home using laptop for online shopping

ECU – A Division of WFCU Credit Union Debit Mastercard®

The new ECU – A Division of WFCU Credit Union Debit Mastercard gives you more freedom, convenience and security – all in one card.

This new card is a simple, safe and smart way to access your accounts and money. Members can continue to use their cards in Canada anywhere Interac® is accepted. Additionally, members can now shop online with retailers accepting Debit Mastercard in Canada, and get the added freedom of international acceptance1. Enjoy the security of Mastercard, the control of debit and the freedom to shop how you choose, all in one card.

 

More Options.

Use it as a debit card with Interac® Flash to:

  • Make in-store purchases in Canada
  • Access your account(s) through an ATM
 

Use it like a Mastercard to:

  • Make an online purchase with:
    • Select Canadian merchants that accept Debit Mastercard
    • International merchants that accept Mastercard1
  • Make in-store purchases outside of Canada, anywhere Mastercard is accepted
  • Book a hotel, reserve a rental car and more.

More Protection.

Let the ECU – A Division of WFCU Credit Union Debit Mastercard give you peace of mind and confidence to use your card whenever and wherever. With Zero Liability Protection2 you are:

  • Not liable for unauthorized purchases made in store, over the telephone, online, or with a mobile device.

 

More Control.

Like any other traditional debit card, the ECU – A Division of WFCU Credit Union Debit Mastercard uses money available in your account but with the added freedom to shop safely online and internationally anywhere Mastercard is accepted.

 

Debit Mastercard FAQs

No, the new ECU – A Division of WFCU Credit Union Debit Mastercard is a debit card. When you make a purchase using this card, the funds are immediately deducted from your account. You must have a sufficient balance available in your account in order to complete a transaction.

Members will begin receiving their new cards by mail beginning October 15, 2021. When you receive the card, you will be able to use it immediately with your existing PIN. Your existing debit card will be closed three (3) weeks after your new ECU – A Division of WFCU Credit Union Debit Mastercard is mailed but, for security purposes, we recommend destroying your existing card immediately upon receiving your new card.    

Yes, the same limits that have been applied to your current debit card will apply to your new ECU – A Division of WFCU Credit Union Debit Mastercard, including limits on daily ATM cash withdrawals and point-of-sale purchases.

Yes, reservations can be made online or over the phone using your new ECU – A Division of WFCU Credit Union Debit Mastercard. In some cases, the merchant may put a hold on the funds to guarantee the reservation.

You can use your new ECU – A Division of WFCU Credit Union Debit Mastercard to make online purchases at select Canadian merchants that accept Debit Mastercard. You can also use your new Debit Mastercard to make online purchases with international merchants that accept Mastercard. You can find a list of Canadian merchants that accept Debit Mastercard here.

If you receive your card in the mail, you can use it immediately using the same PIN you set on your existing card.

Your new ECU – A Division of WFCU Credit Union Debit Mastercard can be used at any merchant in the U.S. that accepts Mastercard. Just look for the Mastercard brand where you make your purchases.

When making a purchase in the U.S., you may be asked for a Zip Code, simply enter the numeric values of your postal code with two trailing zeros. For example, N8X 4G2 would be entered as 84200.

When making a purchase within Canada using your new ECU – A Division of WFCU Credit Union Debit Mastercard, the transaction will be completed as debit. When making a purchase internationally, tell them it is a Mastercard. 

Your new ECU – A Division of WFCU Credit Union Debit Mastercard is equipped with Interac Flash®, which enables tap-to-pay at Canadian retailers. Outside of Canada, you will need to insert your card and input your PIN into the terminal. Contactless payments are not available for out of country transactions processed by the Mastercard Network. 

Yes, your ECU – A Division of WFCU Credit Union Debit Mastercard can be used for recurring payments in Canada anywhere Mastercard Debit is accepted. An up-to-date list of these merchants can be found here.

Return transactions via the Mastercard network may take up to one (1) day to be credited to your account.  

With Mastercard’s Zero Liability Protection, you are not liable for unauthorized purchases made in store, over the telephone, online or with a mobile device. Your new ECU – A Division of WFCU Credit Union Debit Mastercard gives you the peace of mind and confidence to use your card whenever and wherever. For more information on Zero Liability Protection, click here.

To report a lost or stolen ECU – A Division of WFCU Credit Union Debit Mastercard, call 1-866-500-WFCU (9328) or the Mastercard International call centre (toll-free from Canada or USA) at 1-800-MASTERCARD. Lost or stolen cards must be reported within 24 hours of the loss or theft; otherwise, you may be liable for all fraudulent transactions made with your card.

Statement of Commitment
Code of Conduct for the Credit and Debit Card Industry in Canada.

Canadian Credit Union Association (CCUA) on behalf of the credit union system, is stating our re-commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

Man paying with debit card
EVA Logo

Eva™ is an industry first, transforming the traditional ‘chequing account’ by including unlimited transactions with a suite of value-added products.

With the tap or swipe of your card, Eva™ has you covered, making your day-to-day life easier, more convenient and rewarding!

 

Unlimited Banking Icon

Unlimited Banking

Eva™ is unlimited! You’ll have everyday unlimited access to the banking services you rely on daily. Eva™ members enjoy unlimited:

  • Deposits & Withdrawals
  • Transfers
  • Point-Of-Sale Transactions
  • Electronic & Cheque Debits
  • Bill Payments
  • Online, Mobile & Telephone banking

Unlimited E-Transfers

Already Canada’s best value in banking, we’ve made Eva™ even better with Unlimited Interac e-Transfers®. Interac e-Transfers® are a simple, convenient, and secure way to send and receive money directly from one bank account to another.

Price Protection Icon

Buyer Protection

Buyer Protection safeguards purchases made with your Eva™ account against accidental damage, theft, and even fire for 120 days after purchase. Break your smartphone’s display? You’re covered for item replacement or refund of the full purchase price. That’s convenient coverage you’ll never have to think about.

Extended Warranty

Extended Warranty doubles the manufacturer’s warranty on items purchased with your Eva account for an additional two years. Save money by opting out of expensive add-on limited warranty coverage offered by the big box stores, and rest easy knowing you are already covered with Eva™!

Price Protection

Price Protection lets you shop more carefree and gives you peace of mind at the checkout. Purchases made with your Eva account are eligible for reimbursement towards a lower advertised price, up to 90 days after the purchase.

Making A Claim? Simply call 1-800-263-9120, ext. 605800 and a Claims Representative will assist you. Be sure to have your transaction record, the merchant bill, and (for warranty claims) the manufacturer’s warranty available.

Click here to view the complete terms and conditions.

Which Eva is right for you? Contact us today to learn about the features and benefits of EvaSilver, EvaGold and EvaDiamond accounts.

U.S. Cash
Border Free banking Logo

Traveling, shopping, working or doing business in the U.S. is easier with BorderFree Banking from ECU – A Division of WFCU Credit Union, a bundle of market leading U.S. products that includes:

Deposit U.S. cash without exchange, and enjoy the convenience of avoiding fluctuating exchange rates.

An easy way to pay for larger purchases made in U.S. currency.

Foreign Exchange Services gives you a market-leading exchange rate and you don’t pay a conversion fee.

Student HEADSTART® Chequing Account

  • $0 monthly fee.
  • FREE UNLIMITED chequing and in-branch withdrawals.
  • FREE UNLIMITED ATM* withdrawals across Canada.
  • FREE UNLIMITED debit card transactions.
  • FREE UNLIMITED access to your account information through online banking, over the telephone, in-branch and through ECU’s mobile app available for Apple and Android devices.
  • Optional overdraft protection.
Student paying with Debit Card

Additional Services

The new ECU – A Division of WFCU Credit Union Debit Mastercard gives you more freedom, convenience and security – all in one card.

This new card is a simple, safe and smart way to access your accounts and money. Members can continue to use their cards in Canada anywhere Interac® is accepted. Additionally, members can now shop online with retailers accepting Debit Mastercard in Canada, and get the added freedom of international acceptance1. Enjoy the security of Mastercard, the control of debit and the freedom to shop how you choose, all in one card.

More Options.
Use it as a debit card with Interac® Flash to:

  • Make in-store purchases in Canada
  • Access your account(s) through an ATM
 

Use it like a Mastercard to:

  • Make an online purchase with:
    • Select Canadian merchants that accept Debit Mastercard
    • International merchants that accept Mastercard1
  • Make in-store purchases outside of Canada, anywhere Mastercard is accepted
  • Book a hotel, reserve a rental car and more.
 

While it’s not a credit card, take comfort knowing the new Debit Mastercard has the acceptance of Mastercard worldwide

More Protection. Let the ECU – A Division of WFCU Credit Union Debit Mastercard give you peace of mind and confidence to use your card whenever and wherever. With Zero Liability Protection2 you are:

  • Not liable for unauthorized purchases made in store, over the telephone, online, or with a mobile device.
 

More Control. Like any other traditional debit card, the ECU – A Division of WFCU Credit Union Debit Mastercard uses money available in your account but with the added freedom to shop safely online and internationally anywhere Mastercard is accepted.

Statement of Commitment
Code of Conduct for the Credit and Debit Card Industry in Canada.

Canadian Credit Union Association (CCUA) on behalf of the credit union system, is stating our re-commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

1. What are Me-to-Me Transfers?
Me-to-Me Transfers allows you to self-transfer funds between your ECU – A Division of WFCU Credit Union account and your accounts held at other Canadian financial institutions simply using our digital banking service

2. Who can be set up to use Me-to-Me Transfers?
Me-to-Me Transfers are limited to our Personal accounts only.

Me-to-Me Transfers are not supported for our Commercial and Community accounts at this time.

For Commercial and Community accounts looking to move funds to accounts held at other financial institutions, please contact one of our convenient retail locations.

3. What accounts support Me-to-Me Transfers?
Me-to-Me Transfers can be set up on your Canadian dollar Eva Account or ALTO Savings account.

Me-to-Me Transfers can also be set up on your United States dollar personal chequing or personal savings accounts.

4. What is the cost of using Me-to-Me Transfers?
There are no fees to pull funds into a ECU – A Division of WFCU Credit Union account.

EvaSilver accounts are charged a transaction fee of $1.50 to push funds to an account held at another financial institution. EvaGold and EvaDiamond accounts can push funds without a transaction fee.

ALTO Savings accounts are charged a transaction fee of $1.50 to push funds to an account held at another financial institution

United States dollar personal chequing or personal savings accounts are charged a transaction fee of $1.50 to push funds to an account held at another financial institution.

5. Can I transfer money to an account outside of Canada?
No. Me-to-Me Transfers are limited to accounts held at other Canadian financial institutions (i.e. credit unions and banks) only.

To transfer funds internationally, please contact one of our retail locations.

6. How do I set up my account to use Me-to-Me Transfers?
You must operate an account at another Canadian financial institution (i.e. credit union or bank). The other account must be in your name. The account must be in the same currency as your account at ECU – A Division of WFCU Credit Union being set up to use Me-to-Me Transfers.

A signed Me-to-Me Transfer Authorization form must be completed in advance of using Me-to-Me Transfers for the first time. Please complete and sign the form by contacting one of our retail locations.

In addition, you must provide a void cheque (or other acceptable proof) for the account at the other financial institution. The void cheque (or other acceptable proof) must reflect the accountholder(s) name(s) and the account’s detail as noted in your Me-to-Me Transfer Authorization form.

7. How long will it take to set up my account to use Me-to-Me Transfers?
It can take up to five (5) business days, from the time that we receive your signed Me-to-Me Transfer Authorization form AND the void cheque (or other acceptable proof) for your account held at the other financial institution, to set up Me-to-Me Transfers.

Once set up, a representative will notify you that your account at the other financial institution has been set up and it will appear in your list of external accounts. At that point, you can begin self-transferring funds between your accounts.

8. Once I am set up, how do I use Me-to-Me Transfers?
Before using Me-to-Me Transfers to pull funds from your account held at another financial institution, always ensure that your account balance is sufficient to complete the transfer to avoid having that account overdrawn.

Login to our Online Banking service by visiting wfcu.ca and select the Transfer link in the left menu. Enter the Transfer Amount to be transferred. Select an Account from the Transfer From field. Select an Account from the Transfer To field. Enter an optional comment in the Memorandum field. Ensure that the When to Transfer option is set to “Now” and click the Continue button.

Example: In the event that you are looking to push funds from your WFCU Credit Union account, select your Eva AccountALTO Savings, United States chequing account or United States savings account in the Transfer From field and select your account held at another financial institution in the Transfer To field.

Example: In the event that you are looking to pull funds from your account held at another financial institution, select that account in the Transfer From field and select your WFCU Credit Union Eva AccountALTO Savings, United States chequing account or United States savings account in the Transfer To field.

Remember that Me-to-Me Transfers can only be used to move funds between like currencies; Me-to-Me Transfers cannot be used to move funds between Canadian and United States dollar accounts.

9. How long does it take for me to receive the funds in my ECU – A Division of WFCU Credit Union account or at my other financial institution?
When using Me-to-Me Transfers, the funds are moved immediately allowing you to gain interest on the funds the same day (some restrictions may apply).

A hold may be placed on the funds by the receiving financial institution. Please check with your receiving financial institution for details relating to their hold period on incoming funds received via Me-to-Me Transfers

10. Is there a hold placed on the funds that are pulled or pushed using Me-to-Me Transfers?
Funds that are pulled into your ECU – A Division of WFCU Credit Union account may be subject to a five (5) calendar day hold to permit time for your other financial institution to authorize the transfer. After five calendar days, the hold is automatically removed.

A hold may be placed on the funds that are pushed to your other financial institution. Please check with your other financial institution for details relating to their hold period on funds received via Me-to-Me Transfers.

In general, funds transferred between your ECU – A Division of WFCU Credit Union account and accounts held at other credit unions are not subject to a hold (some restriction may apply).

11. Can I cancel a Me-to-Me Transfer?
No. Once a Me-to-Me Transfer has been submitted it cannot be cancelled.

12. How can I identify Me-to-Me Transfers within my account’s transaction history or on my month end statement?
For funds that are pulled into your ECU – A Division of WFCU Credit Union account, the Me-to-Me Transfer will appear slightly different if pulled from a credit union or a bank:

Pull funds from a credit union“Me-to-Me Transfer Credit”
Pull funds from a bank“Me-to-Me Transfer Credit – Hold Required”

For funds that are pushed to your account held at another financial institution, the Me-to-Me Transfer will appear as:

Push funds from ECU – A Division of WFCU Credit Union“Me-to-Me Transfer Debit”

13. How does Me-to-Me Transfers compare to Interac e-Transfers®?

Send Funds:Me-to-Me TransfersInterac e-Transfers
EvaSilver$1.50 per transaction$1.50 per transaction
EvaGoldFreeFree
EvaDiamondFreeFree
ALTO Savings$1.50 per transaction$1.50 per transaction
US Personal Chequing Account$1.50 per transactionNot available
US Personal Savings Account$1.50 per transactionNot available
Send Funds – Maximum LimitsMe-to-Me TransfersInterac e-Transfers
Transaction$5,000$2,000
Daily$5,000$2,000
Weekly$20,000$5,000
Monthly$60,000$10,000

Two more features from Interac e-Transfer that you’re going to love!

Request Money

A cool way to say you owe me money or an important tool to streamline payments. Easily request money that you are owed or use it as a friendly reminder when friends or family may have forgotten to pay you back. Using online or mobile banking select a contact, enter an amount and an account where funds are to be deposited as part of the request. There is even an option to add a personalized message or an invoice number if it’s for a business! An Interac e-Transfer notification will then be sent to the contact. Once they receive the notification, they can fulfill the request by logging into their online banking, and the funds will be immediately deposited into your bank account.

Autodeposit

Interac e-Transfer is easier with the new autodeposit feature that is a secure way to receive money without having to answer security questions for every transaction. Autodeposit is designed by linking your email address to a bank account at ECU – A Division of WFCU Credit Union. When an Interac e-Transfer is sent the payment will automatically be deposited in the bank account associated with that email address. You will receive a notification that funds were deposited. There is no longer a need to select your Financial Institution, login to online banking and answer a security question!

Contact a branch today for more information!

® Trademark of Interac Inc, used under license.

Additional services and special opportunities include:

  • Certified cheques
  • Bank drafts
  • Wire transfers
  • Pre-authorized debits
  • Deposit Anywhere™
  • Foreign currency
  • Foreign currency bank drafts
  • Safe deposit boxes
  • Direct deposit

For further information of any of these services, contact your branch.

For more information about our Chequing Accounts: