Protect Your PIN

Protect Your PIN Did you know the most effective way to protect yourself from card skimming fraud is to change your PIN from time to time. To change it you ONLY need to change one digit. Select a digit and count up or down to change your PIN from your current one. Standing in line at the grocery store... if you use the wrong one YOU will know the new number but fraudsters will not have any idea.

Changing your PIN counts and it's as easy as counting!


Canadians use their debit cards millions of times each day for purchases and cash withdrawals from Automated Teller Machines (ATMs). In fact, Canadians are one of the biggest users of debit cards and ATMs in the world. With the Interac® Shared Services, cardholders have convenient access to their cash 24 hours a day, seven days a week.

While Interac® Shared Services are among the most secure in the world, debit card fraud can occur. The Interac Association and its members continue to work together to protect cardholders from debit card fraud.

We would like to remind you to protect your Personal Identification Number (PIN).

Your Member Card® debit card and PIN are the keys to your account(s). They are both required to complete a transaction so you should keep them in a safe place and never lend them to anyone. Even if criminals get access to your card, they need the PIN to get access to your money - so remember to protect your PIN.



  • Change your PIN from time to time - it's easy to do at any credit union ATM. To change your PIN you only need to change one digit to protect yourself from fraud.
  • Choose a PIN that's easy for you to remember and known only to you; never use obvious information. You could be liable for losses if you create your PIN by using your telephone number, date of birth, address or social insurance number.
  • Memorize your PIN - it's your electronic signature. If you suspect that someone knows your PIN, change it immediately or contact your credit union to cancel the card, and obtain a new one.
  • Use your hand or body to shield your PIN when you are conducting a transaction. Only allow your card to be swiped once and always remember to take your debit card and transaction record with you once your transaction is completed.
  • Only conduct transactions when and where you feel secure. If anyone tries to distract you, complete what you are doing and retrieve your card before doing anything else. If you cannot retrieve your card, call your credit union immediately.
  • Regularly check your account history and balances to verify all transactions have been properly documented; Internet Banking makes this easy. If entries do not accurately reflect transaction activities (for example, if there are missing or additional transactions) you should contact your credit union immediately.
  • If your card is lost, stolen or retained by an ATM, notify us as soon as you become aware of the problem. After hours you can call 1-888-277-1043.
  • Your card and PIN are the keys to your account(s). Never disclose your PIN to anyone or you could be liable for any losses. You are the only person who should know it. Keep your card in a safe place and never lend it anyone.
  • In a proven case of fraud, victims are protected by the Canadian Code of Practice for Debit Card Services and will not suffer any financial losses. Each case is reviewed on an individual basis by your credit union.

Use cash for small purchases - especially for fast food. Fast Food Outlets tend to be more susceptible to skimming set-ups than any other retail outlets.



Here's some more information on Interac® Debit.

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