Member Card® Debit Card

A Member Card® debit card allows you the convenience of making cash withdrawals at Automated Teller Machines (ATM's) around the world. Healthcare & Municipal Employees' Credit Union is also part of THE EXCHANGE® Network. This allows you to access your bank account from coast to coast to deposit, withdraw, transfer funds or make a balance inquiry ding free® without paying costly ATM service charges.

Member Card® debit cards are available by visiting any one of our branches.  In order to use a Member Card® debit card, you will need to choose a Personal Identification Number (PIN) that is confidential and not easily guessed; for example, don't use your phone number or date of birth.

Member Card® Debit Card Limits

There are daily limits applied to a Member Card® debit cards for cash withdrawals (ATM) and point of sale (POS) purchases. There is also a maximum 10 transactions per day on a Member Card® debit card as a fraud preventative measure.  To find out your daily limits or to increase your limit for a large purchase or transaction, please contact your local branch. By contacting your branch during business hours, we can apply a higher limit for a specific day or period of time if you request.

Find an ATM

Use our ATM Search to see where you can use a Member Card® debit card.

Lost or Stolen Member Card® Debit Cards

Security is a priority for Healthcare & Municipal Employees' Credit Union and its Members. It is imperative that Members have the ability to protect their funds against potential fraudulent activity due to a lost, stolen, or compromised Member Card® debit card.  If a Member Card® debit card is lost, stolen or compromised, please call your branch during business hours, or outside business hours, email HMECU's Support Line at or call 905-520-1146.

You will need to visit one of our branches to have your card re-issued.

Exceeded PIN Tries

If you have exceeded your PIN tries by entering an incorrect PIN 3 times in a row, a MemberCard® debit card will be locked and will not work until you can reactivate your card.  To do this, simply visit any automated teller machine (ATM) and enter the correct PIN number. Healthcare & Municipal Employees' Credit Union staff cannot activate a locked MemberCard® debit card remotely; you must reset your PIN at an ATM or by visiting a branch.

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Member Card® is a registered trade-mark owned by Canadian Credit Union Association, used under license.

THE EXCHANGE® is a registered trademark licensed for use in Canada by Ficanex Service Limited Partnership.