Your MemberCard gives you access to thousands of ding-free® ATMs across Canada that save you from the surcharges you’d pay on other ATMS when withdrawing and depositing funds, and checking your balance.
Download the Locator App to find the nearest ding-free® ATM to you.
Click here for a full list of Community Savings ATMs and branches.
For a full 120 days after purchasing, retail items bought with your MemberCard are protected-- even if they’re gifts, even if they’re stolen, dropped, broken, or consumed by a fire, and even if you paid by cheque (as long as that cheque is drawn on your insured account). Valid claims will be satisfied either by replacing the stolen or damaged item, or with a cash payment in an amount that does not exceed the total purchase price.
Manufacturers typically offer a one-year warranty. Your MemberCard doubles that. MemberCard purchases are protected under the terms of the original warranty, plus one additional year, for up to 5 years of coverage.
Total contactless spend limit: $400
Default contactless limit: $250*
Petroleum contactless limit: $250*
Groceries contactless limit: $250*
To activate the new limit, you need to make 3 contact transactions (inserting card with PIN entry) Once the 3 consecutive contact transactions have been completed, the flash limit will be updated.
Once a limit is reached, you’ll be required to enter your PIN in order to reset it.*Some merchants may have set different contactless limits than shown above.
Working with our partners, we now have a fast, convenient and secure way for members to sign up in online banking and receive any amounts to be paid to you by the Canada Revenue Agency.
Fraud prevention: The CRA or your financial institution will never send you an email, text or Interac e-transfer to a link asking for your personal information to receive your benefit payment or refund. These are scams and taxpayers should never respond to these fraudulent communications or click on any of the links provided. If you submit multiple requests to update your direct deposit information, the most recent enrolment you complete will become the account on file with the CRA. Direct deposits will only be made into one account, at one financial institution.
The Canada Emergency Response Benefit
The Canada Recovery Benefit
Income tax refund
Canada child benefit
Goods and services tax/harmonized sales tax (GST/HST) credit
Canada workers benefit
Related provincial and territorial payments
We are here to help you set up direct deposit with CRA for the first time or to change your existing direct deposit information at another financial institution to your Community Savings account. This will replace all previous CRA direct deposit authorizations.
Me-to-Me Transfers and Me-to-Me Business Transfers give you greater control over your financial affairs.
Community Savings sends the funds in real-time, but a transfer can take up to 5 days depending on the other Financial Institution. There may also be a 3-day hold placed on incoming funds by the receiving institution for security reasons.
Yes, you can set up daily, weekly, monthly, and yearly transfers. We recommend transferring funds 3 days in advance of when the money needs to be accessed to allow for any security holds.
No, transfers can only be made in Canadian funds.
Once the Me-to-Me Transfer link is established, you’ll see your external account(s) in the “Transfer From” and “Transfer To” drop-down fields in MemberDirect’s Transfer Funds page. Now, you can quickly and securely manage your money across all of your accounts.
With features like Autodeposit and Request Money, INTERAC® e-Transfer is the best way to send, request, and receive money from anywhere in Canada. All you need is access to Community Savings’ Online Banking or Mobile Banking App and the recipient’s email address. With E-Transfers, you can:
Keep your personal information private.
Have your money automatically deposited into your account.
Remind a friend they owe you money easily, with Request Money.
To set up Autodeposit, complete the following steps:
clickSWITCH makes switching your automatic payments and direct deposits fast, secure, and free. Use this service when transitioning your accounts, and within 10 minutes you’ll have the peace of mind knowing that you won’t miss a single payment.
Community Savings has partnered with AFL International Transfers to provide CSCU Members the ability to make international money transfers through online banking anytime, anywhere. Funds are conveniently sent directly to your recipient’s account.
Visit our FAQ section to learn more about international transfers
Make a transfer in these simple steps: