Your Debit Mastercard still works just like your regular debit card, using money directly from your Me-Dian Credit Union account for the purchases that you make. However, the additional Debit Mastercard benefits include the ability to: 

Me-Dian Credit Union Members will automatically receive their new Debit Mastercard between May 2026 and June 2027. Your new Debit Mastercard will replace your current debit card. 

Your Debit Mastercard will be mailed to the address on file. If your address has recently changed, please visit your local branch or contact us to update your information. 

Members who would like to replace their current debit card earlier may contact us and we would be happy to assist.

Once your new Debit Mastercard arrives, simply begin using it with the same PIN as your current debit card and securely destroy your old card. 

Before using your card for online purchases or contactless payments (Tap/Interac Flash), you must first complete one chip-and-PIN transaction to fully activate those features. 

Your accounts, Online Banking services, e-Transfers, bill payments, and account history will continue to work as they do today. However, your new Debit Mastercard number will replace your current Online Banking login ID. 

If your login information is saved on your device or browser, you may need to update your saved login ID using your new Debit Mastercard number. Your password/PAC (personal access code) will remain the same.

Your Debit Mastercard can be used with many online merchants, participating retailers, and merchants worldwide that accept Mastercard. 

Acceptance may vary depending on the merchant, terminal configuration, or country. If you are unsure whether a merchant accepts Debit Mastercard, we recommend confirming directly with the merchant before making your purchase.

Acceptance can vary by location and business: some may only accept credit cards. We recommend that you contact the hotel, rental agency, or merchant in advance to confirm whether they accept Debit Mastercard. 

Please note that when you use your Debit Mastercard to make a reservation, the merchant may place a hold on funds in your account in order to secure the booking and you must have sufficient funds available to cover this hold. Hold amounts vary by merchant.

Yes. Your Debit Mastercard can continue to be used at ATMs the same way your current debit card is used today, including at participating credit unions and ding free® ATMs. 

Members may also use other ATM networks; however, additional service fees will apply depending on the ATM provider or financial institution being used. 

Your Debit Mastercard can still be used like a traditional debit card for everyday purchases, ATM withdrawals, and Interac transactions. 

While Debit Mastercard will become Me-Dian Credit Union’s standard debit card offering, Members will have options to customize certain card functionality based on their preferences. This may include features such as disabling online transactions. 

If you would prefer to use your card primarily as a regular debit card, please contact us and we would be happy to discuss the available options with you.

Transactions are processed directly against your available account balance. Some merchants, particularly online or international merchants, may place temporary pre-authorizations or holds before the final transaction amount is posted to your account. 
 

This is normal and may vary depending on the merchant. 

The amount on hold may be higher than the product amount, and the excess amount may be returned to the account once the payment is processed

The same daily transaction limits that applied to your previous Debit card will continue to apply to your new Debit Mastercard, including ATM withdrawal and Point of Sale (POS) limits. 

Online purchase transactions made using Debit Mastercard are included within your existing POS transaction limit.

Yes, Members will have options to customize certain card functionality based on their preferences. This may include features such as disabling online transactions. 

If you would prefer to disable online transactions, please contact us and we would be happy to assist.

For most in-store purchases within Canada, selecting Debit is recommended. 

For online purchases or merchants requiring Mastercard functionality, select Mastercard or Credit when prompted. 

Regardless of which option is selected, funds still come directly from your own account and not from borrowed credit. 

Some merchants process transactions immediately, while others may take additional time to finalize and submit purchases. 

This is normal and processing times can vary depending on the merchant.

Temporary holds and pending transactions may appear within Online Banking depending on how the merchant processed the transaction. 

Mobile Banking App: 
To view the hold on your account in the mobile banking app, log in and select your main account. Just below your account balance, tap Account Details. A dropdown menu will appear, and the hold amount will be displayed beneath your current balance. 

Online Banking: 
To view the hold through online banking, log in and select your main account. Below the account name, click the + symbol on the right-hand side of Account Details. The expanded menu will show the hold amount listed beneath your account number. 

If you have questions regarding a hold or pending purchase, please contact us directly.

When you make certain online, international, or pre-authorized purchases with your Debit Mastercard, the merchant may place a temporary authorization hold on your account before the final transaction is processed. 

This hold immediately reduces your available balance, but the actual transaction may not appear in your account history until the merchant fully processes the purchase. Hold times are at the discretion of and vary by merchant. Note that some online retailers only charge your card once your item has shipped. 

When a purchase is cancelled, the merchant must release the authorization hold.  

Processing times vary by merchant and may take several business days before the hold is removed from your account.

Debit Mastercard includes enhanced security features designed to help protect against unauthorized transactions, including Mastercard’s global security monitoring and fraud detection systems. 

Members should continue monitoring their accounts regularly and report suspicious activity immediately. 

A one-time passcode may be sent as part of Mastercard’s security verification process to help confirm your identity during certain online transactions. 

This additional step helps protect your account from unauthorized purchases. 

Please note that we will never contact you for this code: do not reveal it to anyone else.

Certain transactions may trigger security notifications or verification messages to help protect your account from unauthorized activity. 

If you receive a notification regarding a transaction that you do not recognize, please contact Me-Dian Credit Union immediately.