“Tap Into Your Local Summer” campaign—a national initiative designed to encourage local spending and support Canadian merchants. From July 1 to August 31, 2026, every approved in-person debit transaction earns members a chance to win!
How members can enter:
Enter by:
– Using your contactless payment option with your Me-Dian Credit Union debit card (tap with physical card)
– Complete five (5) eligible contactless debit transactions on five (5) different calendar days using the same eligible debit card during the Contest Period to earn one (1) entry
– Earn one (1) entry per eligible debit card
– Entries are automatic—no registration or sign-up is required
What Counts as an Eligible Transaction?
Members transactions must be:
– A contactless debit payment (tap with physical card)
– Made in person at a Canadian point-of-sale terminal
– At least $5.00 CAD (including taxes)
– Completed using a personal debit account
– Multiple transactions on the same day count as one (1) eligible day
Not Eligible:
x Transaction made from business and/or commercial accounts
x Chip & PIN transactions
x Online purchases, e-commerce transactions, and transactions processed outside of Canada do not qualify.
What members qualify to particpate?
– Have a personal account in good standing at Me-Dian Credit Union (Business & Commerical Accounts excluded from Contest)
– Are a legal resident of Canada (excluding Quebec)
– Are the age of majority in their province or territory at the time of entry
Note: Employees of participating credit unions, campaign administrators, Interac, and related partners are not eligible to participate in contest.
What prizes are available to members?
🎉 30 chances to win $1,000 cash
💰 $30,000 total prize pool, funded by Interac
🏠 Limit of one (1) prize per person/household
How will the Winners be Selected?
– Winners will be selected by random draw and will be announced by October 31st.
– The selected winner must meet all eligibility requirements, correctly answer a skill-testing question, complete a verification form, and agree to the contest terms. If these steps are not completed within the required timeframe, an alternate winner will be selected.
– Limit of one (1) prize per person and household.
Official Rules
The Tap into Your Local Summer contest (the “Contest”) is administered by Central 1 Credit Union, Meridian Credit Union Limited, and 189286 Canada Inc. (o/a CUCC) (“Contest Administrators”) in partnership with participating Canadian credit unions, and the Prize is sponsored by Interac Corp. (“Prize Sponsor”). The Contest Administrators, and not the Prize Sponsor, are collectively responsible for the administration, oversight, and fulfillment of the Contest. Interac and the Interac logo are trademarks of Interac Corp. Used under licence. All inquiries regarding the Contest should be directed to the Contest Administrators campaign@cucc-cu.ca. Visit 2026 National Interac Debit Campaign - CUCC for full campaign rules, terms and conditions.
National Debit Spending Campaign: Open July 1 – August 31, 2026
Our Annual Bursary Fund is back! (Posted April 6, 2026)
Me-Dian Credit Union is proud to support Manitoban students in achieving their post-secondary education goals through our Annual Bursary Program. As a credit union, we are dedicated to offering knowledge and assistance to the future leaders of tomorrow—you! We believe in the potential of youth within our communities and are committed to building lifelong relationships with our members. Submit your bursary application today and take a step closer to funding your future!
Me-Dian Credit Union is offering four bursaries of $1,250 each, two bursaries of $1,000 each, and one bursary of $500. Students may apply to multiple categories; however, each student is eligible to receive only one award per year.
Applications are now open until August 3rd, 2026.
More details such as Eligibility Requirements, Evaluation Categories, Application process and more can be found in the application.
View or print the application here.
Archived
Notice of Holiday Hours & Closures (Posted on December 11, 2025)
Please be advised of the following Holiday Hours & Closures:
WINNIPEG BRANCH
Wednesday, December 24th: 9:30 am - 3:00 PM
Thursday, December 25th: CLOSED
Friday, December 26th: CLOSED
Saturday, December 27th: CLOSED
Sunday, December 28th: CLOSED
Monday, December 29th: 9:30 am - 4:00 PM
Tuesday, December 30th: 9:30 am - 4:00 pm
Wednesday, December 31st: 9:30 am - 3:00 pm
Thursday, January 1st: CLOSED
GRAND RAPIDS BRANCH
Wednesday, December 24th: CLOSED
Thursday, December 25th: CLOSED
Friday, December 26th: CLOSED
Saturday, December 27th: CLOSED
Sunday, December 28th: CLOSED
Monday, December 29th: 10:00 am - 3:30 PM
Tuesday, December 30th: 10:00 am - 3:30 pm
Wednesday, December 31st: CLOSED
Thursday, January 1st: CLOSED
NOTICE: GRAND RAPIDS BRANCH will have reduced hours effective Monday, December 15th: Monday to Friday 10:00am to 3:30PM.
For questions, concerns or arrangements, please contact us
Notice of New Feature: Interac Instant (Posted November 27, 2025)
Interac Instant launches on Thursday, December 4th!
Below you'll find everything you need to know along with a visual guide to help ensure all members are aware of the new features and how to use them.
View the visual guide here
What's New?
Real Time Payments: Payments are processed within seconds, improving liquidity of funds and enabling just-in-time payments.
Account Number Routing (ANR): Reduces reliance on email or mobile numbers, minimizing exposure to phising or spoofing.
Remittance Data: Detailed payment information helps match payments accurately, reducing errors in accounting and providing greater transparency to both parties.
How it works: Account Number Routing
Step 1: Log In
Open Online Banking → Go to “Transfers”.
Step 2: Add or Edit a Contact
Select “Add/Delete Contacts”.
Choose “Add New Contact” or select an existing one to edit.
Step 3: Turn on Account Number Routing
Select “Yes” on the Account Number Routing option.
Step 4: Enter Their Banking Info
Type in the recipient’s:
• Institution Number
• Transit Number
• Account Number
(There are directions within the guide on how to find this information on a cheque)
Step 5: Optional Notifications
If you want the person to get notified, you can add their email and/or mobile number.
Step 6: Save the Contact
Click “Continue” → Confirm their info is correct → Click “Confirm”.
Step 7: Send Your Transfer
Now go to “Transfers” → “Send Money”, choose the contact, and send instantly using their account number.
Still need help? View the visual guide here or contact us
How it works: Remittance Data
Step 1: Log In
Open Online Banking → Go to “Transfers”.
Step 2: Choose Send Money
Select “Send Money” and pick your recipient.
Step 3: Enter Amount
Enter the usual e-Transfer details (amount, account).
Step 4: Add Payment Details
Check the box labelled “Include Remittance Details”.
Step 5: Fill In Additional Information
You can include:
• Payee/Payor details
• Invoice/Documents details
• Adjustment Amount
(Document details and Adjustment amounts do NOT change the dollar amount being sent, they are for reference only)
Step 6: Review & Send
Confirm the info is correct → Click “Continue” to send funds.
Step 7: View Later If Needed
To view these details again:
Go to “Transfers” → “View History” (Sent/Received) → Choose appropriate Account and Date Range → Click “Continue”
From the populated transactions, click “Details” on the one in question.
*Note: Adding Remittance Data is not available through the Mobile App
Still need help? View the visual guide here or contact us
Our 6th Annual Red River Ex Promotion: Open May 12 - June 11, 2025
MCU proudly presents our 6th Annual Red River Ex promotion!
There are 5 different ways to enter (each counts as 1 entry):
-Open a new membership.
-Refer someone to open an account.
-Apply & get approved for a credit card.
-Apply & get approved for a loan of $2000+
-Transfer a mortgage or apply for a pre-approval
Grand prize: 4 passes to the Red River Ex + 2 night stay at Wyndham Garden Airport hotel
3 Additional prizes: 2 passes each to the Red River Ex
A total of 10 passes MCU wants to give to you and your family!
Entries will be open from: May 12th - June 11th.
For additional details, please speak to a member services or financial services representative. Good luck to everyone that enters!
Our 2024 Annual Report (Posted on April 20, 2025)
Take a look at how we’ve been serving our members, strengthening our operations, and building a stronger future together.
You can view the Annual Report here
The report will be officially presented at our Annual General Meeting on April 30th at 460 Madison Street (Wyndham Garden Hotel), meeting starts at 5:30PM.
Don't forget to register ahead of time if you plan to attend! Register here: https://ow.ly/L6ex50VEvPN
You can view the Annual Report here
The report will be officially presented at our Annual General Meeting on April 30th at 460 Madison Street (Wyndham Garden Hotel), meeting starts at 5:30PM.
Don't forget to register ahead of time if you plan to attend! Register here: https://ow.ly/L6ex50VEvPN
We look forward to connecting with you!
Our Annual Bursary Fund is Back! (Posted on April 7, 2025)
Me-Dian Credit Union is proud to support the next generation of leaders. Our Annual Bursary Fund program returns Monday, April 7, 2025!
All Manitoban post-secondary students enrolled in the current or upcoming academic year are encouraged to apply. There are six different bursary streams, with individual awards ranging from $500 to $1,000.
Applicants may apply for multiple categories but are eligible to receive only one award per year. Selected recipients must sign and return a declaration form and a social media release form before funds are issued.
Submit your application today for the opportunity to receive a little extra support toward funding your future!
Application deadline is August 1, 2025.
All Manitoban post-secondary students enrolled in the current or upcoming academic year are encouraged to apply. There are six different bursary streams, with individual awards ranging from $500 to $1,000.
Applicants may apply for multiple categories but are eligible to receive only one award per year. Selected recipients must sign and return a declaration form and a social media release form before funds are issued.
Submit your application today for the opportunity to receive a little extra support toward funding your future!
Application deadline is August 1, 2025.
Download the application package here
Full terms and conditions are outlined within the application package.
Full terms and conditions are outlined within the application package.
Join us for our 47th AGM on April 30 (Posted on March 28, 2025)
Take a look at how we’ve been serving our members, strengthening our operations, and building a stronger future together.
You can view the Annual Report here
The report will be officially presented at our Annual General Meeting on April 30th at 460 Madison Street (Wyndham Garden Hotel), meeting starts at 5:30PM.
Don't forget to register ahead of time if you plan to attend! Register here: https://ow.ly/L6ex50VEvPN
You can view the Annual Report here
The report will be officially presented at our Annual General Meeting on April 30th at 460 Madison Street (Wyndham Garden Hotel), meeting starts at 5:30PM.
Don't forget to register ahead of time if you plan to attend! Register here: https://ow.ly/L6ex50VEvPN
We look forward to connecting with you!
Winter Road Loan Promotion (Posted January 10, 2025)
As winter roads begin to open up, we are here to help you make the most of the season with our winter road loans. Contact us to book your appointment and apply for special promo rates.
https://www.mediancu.mb.ca/contact-us
**Travel safely! If you're making travel plans, always make sure your vehicle is properly prepared for the road. Clear all snow and ice from your windows, headlights, taillights, and hood. Don't forget to clear the roof too, unsettled snow can fall onto your windshield while driving, obstructing your view. Always stay safe and visible on the road.
https://www.mediancu.mb.ca/contact-us
**Travel safely! If you're making travel plans, always make sure your vehicle is properly prepared for the road. Clear all snow and ice from your windows, headlights, taillights, and hood. Don't forget to clear the roof too, unsettled snow can fall onto your windshield while driving, obstructing your view. Always stay safe and visible on the road.
Stay Alert: Impersonation Scams (Posted November 26, 2024)
A recent rise in impersonation scams involve fraudsters posing as bank or credit union employees over the phone in attempt to trick their victims into disclosing their banking or personal information. They may claim your account is compromised, a payment has been missed, or anything else to pressure you into taking immediate action.
Some phone number may even appear the same one provided by your financial institution, but remember, numbers can always be spoofed to look legitimate.
How to avoid falling victim to one of these scams
Be aware: Don't trust any unsolicited calls and verify the source of anyone who claims to be calling from your bank or credit union. If you receive a call from someone who says they're from your bank or credit union, take down heir name and hang up. Using a different phone line, call them using an established and verified number, such as the number on their official website.
Don't assume: Though your call display might say the call is coming from your bank or credit union, don’t assume the caller is legitimate. Scammers often use call spoofing technology so that your call display shows the name of a company or financial institution to make you believe their request is authentic.
Protect your personal information: To verify your identity, your bank or credit union will ask basic questions to ensure they are speaking to the correct person. However, they will never ask you to disclose your passwords or your PIN number on the phone. If you feel uncomfortable with the call or feel like you are being asked questions that feel too personal, hang up.
Some phone number may even appear the same one provided by your financial institution, but remember, numbers can always be spoofed to look legitimate.
How to avoid falling victim to one of these scams
Be aware: Don't trust any unsolicited calls and verify the source of anyone who claims to be calling from your bank or credit union. If you receive a call from someone who says they're from your bank or credit union, take down heir name and hang up. Using a different phone line, call them using an established and verified number, such as the number on their official website.
Don't assume: Though your call display might say the call is coming from your bank or credit union, don’t assume the caller is legitimate. Scammers often use call spoofing technology so that your call display shows the name of a company or financial institution to make you believe their request is authentic.
Protect your personal information: To verify your identity, your bank or credit union will ask basic questions to ensure they are speaking to the correct person. However, they will never ask you to disclose your passwords or your PIN number on the phone. If you feel uncomfortable with the call or feel like you are being asked questions that feel too personal, hang up.
Change in Service Fee Deductions Method (Posted November 6, 2024)
You may have noticed a slight change in how some service fees are being deducted from your account. Rest assured, that the overall dollar amount remains unchanged, the difference is simply on WHEN the deductions occur. This change also applies only to packages that offer free outgoing Interac e-Transfers and non-credit union ATM withdrawals (e.g., Buffalo, Moose, Eagle packages, etc.).
For these specific packages, the service fees for e-Transfers and non-CU ATM withdrawals would work as follows:
Under the OLD method: Charges were applied as transactions occurred, with a refund issued at the end of the month for any free amounts.
Under the NEW method: Charges will be totaled and applied as a lump sum at the end of the month, subtracting the designated free amounts.
This change allows our Members to better recognize the total amount they pay in service charges every month, enhancing the transparency and understanding of their expenses. Members can now make more informed decisions about their transaction activity and better manage their finances.
For example, let’s say John is on the Buffalo package, which includes 2 free e-Transfers and 2 free non-CU ATM withdrawals each month. In October, John completed 5 e-Transfers and 3 non-CU ATM withdrawals:
Under the OLD method: John would incur charges of $1.00 for each e-Transfer (totaling $5.00) and $1.50 for each non-CU ATM withdrawal (totaling $4.50) as they happened. At the end of the month, he would pay his monthly package fee ($11.99) and receive refunds for the 2 free e-Transfers (-$2.00) and 2 free non-CU ATM withdrawals (-$3.00) as part of the account package. His total monthly service charges would come to $16.49.
Under the NEW method: John wouldn’t be charged any fees for the e-Transfers or non-CU ATM withdrawals as they occurred. At the end of the month, however, he would be charged a lump sum which includes his monthly package fee ($11.99) plus the total fees for the e-Transfers ($3.00) and non-CU ATM withdrawals ($1.50) that exceeded his 2 free transactions as part of the account package. His total monthly service charges would also be $16.49.
If you have any questions or concerns, please do not hesitate to contact us. It may also be worth connecting with us to learn about other account package options that you may have, as well as our Member-to-Member feature which could be a cost-effective alternative to e-Transfers if you are regularly sending funds to other MCU Members.
Software Conversion & Service Interruption (Posted August 7, 2024, last updated September 15, 2024)
In mid September, Me-Dian Credit Union will start our conversion to a new, advanced banking system software, which will allow us to operate more efficiently and provide new and improved services. This will require closing our branches and interrupting a number of services from Friday, September 13 until Tuesday, September 17. Updates will be provided on this webpage throughout the conversion so please check back often.
UPDATE (September 14, 2024): We are ahead of schedule and happy to report that Debit Card services are back online! ATM transactions and point of sale purchases are now available to all card holders.
UPDATE (September 15, 2024): Good News! Online banking and Mobile App banking are now online ahead of schedule as well. For those of you that use online banking and mobile app banking: On your first login, please use the full website to accept the online agreement and reset your password using your enrolled 2SV device; this cannot be done through the mobile app. For step-by-step instructions on reseting your password as well as other to-do activities, please refer to this guide.
2-Step Verification (Posted November 22, 2023, last updated November 29, 2023)
To further protect our Members and as a step towards providing more advanced features, we will be introducing 2-Step Verification for online banking and mobile app banking very soon.
The launch date Tuesday, December 5, 2023, but you can start preparing for enrollment now.
1. For security purposes, saved/memorized accounts will not be carried over. You will be asked to manually enter your login ID and personal access code during your first login after the launch date, so keep this information accessible.
2. For users of our mobile app, it is always suggested to have the latest version installed for optimum user experience and the best protection for your data.
3. Need some help updating your app or remembering your login information? Feel free to contact us.
FREQUENTLY ASKED QUESTIONS
Q: Why is 2-Step Verification (2SV) necessary?
A: With cyber-threats becoming increasingly sophisticated, the use of passwords alone have grown vulnerable to these threats. 2SV provides a stronger, and more secure, authentication method to further protect you, your data, and your funds from cyber attacks.
Q: How does 2-Step Verification work?
A: During the login process, a verification code is generated and delivered to your registered mobile phone number or email address. You will then have to retrieve the code and enter it before access is granted to your online banking account. These codes are valid only for a single use and a limited time.
Q: What changes to my online banking experience can I expect?
A: For security purposes, once 2SV is made available in the platform, memorized or saved logins will not carry over. You will have to enter your Login ID and PAC manually in order to access online banking. From there you will be able to memorize or save your login information again. Touch ID/Biometrics and Quickview settings will also not carry over, but once you log in you can re-enable those features.
Q: Is 2SV registration mandatory for all Members?
A: We will provide a grace period where Members can choose to continue to access online banking without first registering for 2SV. After the grace period, all Members must be registered for 2SV before accessing online banking.
Q: How do I register for 2SV?
A: Once the feature is launched, you will automatically be taken to an enrollment page after logging into your online banking. From there, you can select to register either a phone number or email address that you can use to receive and retrieve notifications and verification codes.
Q: Can I register for 2SV under multiple notification channels?
A: Yes, although during enrollment you can register only one, either a mobile phone number or email address, to receive the initial notification, you can add the other notification channel under your Profile & Settings page once logged into online banking.
Q: Can I register more than one mobile phone number or email address?
A: Registration is limited to a single mobile phone number and a single email registration.
Q: If I have a mobile phone number and email address registered, will a verification code be sent to both?
A: No. If you have both notification channels registered, you are presented with a selection page where you must choose which channel will receive the notification for that particular login.
Q: How many attempts do I get to validate a verification code?
A: During the 2SV process of a login attempt, the maximum attempts to validate a verification code is three. If you are unable to validate the verification code after three attempts, the system will automatically lock you out.
Q: What happens if I have exhausted my maximum number of attempts to validate a verification code, and I am locked out?
A: If you are locked out because you were unable to validate a verification code during the 2SV process of a login attempt, please contact us to unlock your account.
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