SERVICES
Personal | Business & Farm | Churches & Non-Profit
MSCU Kids | Insurance | Deposit Insurance | Other
Card Services
Member Card | Master Card | Global Payment Card | Balance Protection
MSCU Member Card
Used together with your PIN (Personal Identification Number), the Member Card debit card gives you access to your account through Interac, Plus, ICU, THE EXCHANGE, and Acculink ATMs around the world, and the growing convenience of Interac Direct Payment.
To report lost or stolen Member Cards please call 1-800-567-8111
Ontario ACCULINK® ATM Locations
THE EXCHANGE® ATM Locator
Your MSCU MasterCard® Credit Card
Supports the MSCU Charitable Fund
Every purchase made on an MSCU MasterCard credit card results in a donation to the MSCU Charitable Fund through our affinity program. For every $100 spent on an MSCU MasterCard credit card, the Credit Union donates $0.10 to the MSCU Charitable Fund. The MSCU Charitable Fund awards grants each year to church and community-based projects.
Members enrolled in the MasterCard Choice RewardsTM points program have the dual benefit of collecting Choice Reward points while also supporting the MSCU Charitable Fund.
MSCU encourages all members to be responsible when making use of credit.
MasterCard Credit Card
With MSCU's regular MasterCard credit card you get convenient access to an unsecured, revolving line of credit, a 21 day interest-free payment period, free credit card registry service, automatic extended warranty coverage on purchases, 90 days of purchase protection, and trip cancellation insurance.
With this card, you can join the Choice Rewards points program.
MasterCard Gold Card
The Gold Card includes $1,000,000 travel health insurance, larger trip cancellation amounts, extended warranty and purchase protection features and various travel assistance programs. It is the perfect card for those who travel. With this card you are also able to join the Choice Rewards points program.
MasterCard Student Card
The Credit Union Student MasterCard credit card gives enrolled students between the ages of 18 and 25 the security, flexibility, and convenience of a credit card - without an annual fee! This card has been specifically designed to help students build a credit rating. A good credit rating can help a great deal later on when applying for a loan, or even trying to rent an apartment.
Card holders also get a wide range of benefits, including travel rebates, pay-per-use 24-hour roadside assistance, as well as purchase protection and extended warranty coverage for purchases made with the Student MasterCard credit card. Cardholders can also choose sign up for the Choice Rewards points program for an annual fee of $24.
MasterCard Platinum Class Card
The Platinum Class MasterCard credit card comes with a very high spending limit (up to $50,000), and travel and purchase insurances to meet your demanding lifestyle.
The Platinum Card does not offer the Choice Rewards Program, but instead offers the exclusive Platinum Class Travel Rewards accelerated points program. As a member of this elite club, you automatically receive 2 points for every $1.00 in spending towards the purchase of any travel available through the Platinum Class travel agency. This card has all the features of a Gold Card with these added benefits: an exclusive Platinum Class travel agency; a dedicated toll-free number; hotel & car rental discounts; and choice of carrier. An annual fee of $150 applies to the first card with an annual fee of $40 for each supplemental card.
MasterCard Business Card
The Business Card gives members a smarter way to manage routine business expenses. It is a convenient money management tool for small business. It is easier to track and manage than cash and cheques, and empowers employees while maintaining total control. Businesses can also consolidate typical business expenses onto monthly credit card statements. The credit limits are determined by the employer and the card has an annual fee of $50 per account and $10 per card.
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Global Payment Card
The Global Payment Card is a plastic cheque. The money comes out of your credit union account, and purchases are itemized on your monthly statement. The Global Payment Card is perfect for those who are uncomfortable with the dangers of credit card use, but still want the convenience of MasterCard's international acceptance. Some of the additional features of this card are: purchase protection; extended warranty; $100,000 Common Carrier Travel Accident Insurance and Master RoadAssist.
Using your Global Payment™ card at an ATM outside Canada
Effective October 16, 2006, as part of ongoing efforts to ensure you have ATM access to your money on deposit anywhere you travel, MSCU is changing from the current PLUS* ATM network to the MasterCard® Cirrus® ATM network. This change will improve your ability to access your account through an ATM outside Canada, as the Cirrus ATM network supports more ATMS in more countries than any other network in the world.
When using your GLOBAL PAYMENT card at an ATM outside of Canada after October 16, 2006, look for an ATM displaying this Cirrus symbol.
There are over one million Cirrus ATM locations in over 210 countries and territories worldwide. Click here to view a list of locations.
When your existing GLOBAL PAYMENT card expires, your new card will display the Cirrus symbol on the back of the card instead of the PLUS* symbol.
If you have questions regarding the above information please contact your local MSCU branch or email info@mscu.com.
Credit Union MasterCard Balance Protection Plan
If you have an MSCU MasterCard credit card we want to be certain that you are aware of the MasterCard Balance Protection Plan that is available to protect you in the event of job loss, disability, accident, and illness. If the unexpected happens, you can ensure that your monthly MasterCard expense will continue to be met.
With the MasterCard Balance Protection Plan your minimum monthly payments will continue to be made on your Credit Union MasterCard if your income is affected by: job layoff, involuntary dismissal, disability, illness, or accident. The payments will continue up to a $10,000 maximum.
The following benefits are also part of the plan:
- Up to age 65, all cardholders are guaranteed to be accepted into the plan
- In the event of loss of life, your balance will be paid up to a maximum of $10,000
- Some coverage applies to spousal cardholders as well
If you live in Ontario, the insurance premium is 86 cents (including PST) for each $100 of outstanding balance and appears on your monthly MasterCard statement. For months in which your balance is $0, no premium will be charged. Coverage can be cancelled at any time.
Call Credit Union MasterCard at 1-800-561-7849 to enroll in the Balance Protection Plan.
Emergency Card Services
At home or away...If your card is ever lost or stolen, call any time, day or night. Your cards will be cancelled immediately, and replacement cards ordered. At your request, your cards can be sent to you sooner - within 24-48 hours to most travel locations. You can also be provided with emergency cash, billable to your card account, to keep you going until the card arrives.
Within Canada / Continental U.S. 1-800-LOST 111
Outside Canada / Continental U.S. 1 (306) 566-1276
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