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Fusion members purchase a $25 share in the Credit Union and become owners, with rights to use all of the Credit Unions services, to vote on who joins the Board of Directors, and be eligible for patronage dividends, if the Credit Union declares it.
To join Fusion Credit Union, stop by a branch or click here and fill out an application form.
Fusion’s MemberCard provides you with easy access to your funds 24 hours a day, 7 days a week from Automated Teller Machines (ATM) that display the Interac, Cirrus, or Maestro symbols. Your MemberCard allows you to pay for goods and services without using cash at any retail location displaying the Interac Direct Payment sign. The debit to your account is approved by entering your Personal Identification Number (PIN) and is confirmed immediately. This way your transactions are safe, accurate, and instantaneous.
IMPORTANT: Memorize your Personal Identification Number (PIN). DO NOT carry this number with you and do not give this number out.
If your card is lost, stolen or compromised, please call 1-888-277-1043 for after-hours service. During business hours – Call your branch
Please remember to cancel your card immediately if:
- Your MemberCard is lost or stolen
- Your card is retained by an ATM
- You notice unauthorized activity on your accounts
MemberCard is available at no cost, replacement cards are $15.
It can be used ding free (without a usage charge) at over 1800 participating credit union ATM’s from British Columbia to Newfoundland. Banks and private cash dispensing machines charge varying fees for usage.
There is a withdrawal limit of $410 CDN* per day from ATM machines that display Interac, Cirrus, or Maestro. Point of sale purchases are limited to $3500 CDN* per day.
*These limits may vary.
Debit card payment is accurate and convenient. Funds are immediately debited from your account. Dual security: combination of the chip and PIN.
ADDITIONAL SECURITY FEATURES FOR MEMBERCARD TAP CARD:
- The tap feature can be used for small purchases of $100 or less per transaction
- Daily Tap spending limit of $200
- PIN verification is required once daily spending maximum is reached
- Radio frequency enabled smartcard technology protects your wallet from being scanned
- Card must be held 4cm from POS terminal
- Each transaction is unique and cannot be copied
- This way your transactions are safe, accurate, and instantaneous.
Our Fraud Prevention Centre contains valuable information regarding current scams, how to spot the signs, how to protect yourself and how to report fraud. Click here to access all the fraud information on our website.
Skimming involves the theft of account information through the MemberCard or credit card’s magnetic stripe. If your card is swiped at a fraudulent ATM or terminal, your account information can be captured and copied to a fraudulent debit card. Your PIN may also be recorded by an individual watching or through a hidden camera. Once this occurs, the fraudster will generally wait up to 12 months before utilizing the data they have illegally obtained. Transactions are typically made at ATMs outside of the province or outside of the country. In Canada, we have taken necessary precautions to try to prevent this type of crime by introducing chip technology. This technology requires you to insert your chip rather than swiping your card, which has prevented numerous incidents of fraud.
Always be aware of your surroundings and protect your PIN as you enter it in. If you are travelling outside of the country or your card is swiped instead of having the chip inserted, take extra precautions to protect your PIN.
Only keep one card per financial institution and update your PIN every 3 months.
Review your account activity and immediately report any unusual transactions to your financial institution.
If you feel that you have been the target of fraud, report it to your financial institution, Equifax and your local police.
For more information about fraud and how to protect yourself, go to Financial Consumer Agency of Canada.
Prize Scams are a type of mass marketing scam that targets its victims through mail, telephone or email. The message will include notification that you have won a prize and ask that you forward funds to cover fees or taxes prior to receiving the winnings.
In Canada, you are not required to pay any fees or taxes on prize winnings.
If you have not entered a contest or have purchased a lottery ticket of any kind, this is more than likely a scam.
Avoid being scammed by reviewing the top ten scams from the Better Business Bureau.
For more information, read The Little Black Book of Scams- your guide to protections against fraud.
For more information about Fraud and how to protect yourself, go to Financial Consumer Agency of Canada.
Account statements are available to members to view each of their account transaction history. Paper and electronic statements are available for personal and business accounts.
Statements are provided monthly, quarterly, semi-annually, and annually; as per your request.
The statement end date for personal accounts is the 8th of each month and is available to view within 1 to 2 days.
The statement end date for business accounts is the end of each month and is available to view within 1 to 2 days.
Cheque images are included in statement summaries for both printed and electronic versions.
Paper statements are available and are mailed to the member’s address provided on their member account profile. A printing fee will be applied per statement. To view our current list of service fees, click here.
We no longer print statements for members who have no account activity or who have credit interest transactions only, to save you the statement printing fee and to save trees. These statements are available through e-statements.
Save time by depositing a cheque right into your account from anywhere, at any time by using the Fusion Credit Union app from a mobile device or tablet. It’s quick, simple and secure.
All Deposit Anywhere transactions have a 5 day hold.
Deposit a cheque from anywhere and at your convenience
See the amount that’s deposited into your account immediately
Choose any of your non-registered chequing or savings accounts to make the deposit
Better manage your cash flow
How to deposit a cheque:
- Open the app on a mobile device
- Choose the deposit icon
- Select the account you want to deposit into
- Enter the amount of the cheque that’s being deposited
- Take a picture of the front and back of the cheque
- Confirm the details
- Submit
Once the cheque has been submitted ensure to mark the cheque with the phrase “deposited via mobile” without obscuring any material information on the cheque and retain for 120 days. After 120 days the cheque is to be destroyed.
Extended warranty doubles the warranty period of a purchased item up to two years, as long as the manufacturer’s warranty is valid in Canada for five years or less. For example, when you purchase a laptop computer, the manufacturer would typically offer a one-year warranty. But if you use your MemberCard for the purchase, the laptop would be protected under the terms of the original warranty and the warranty would be doubled and valid for an additional one year period. Be sure to keep a copy of your transaction record, merchant bill and the manufacturers warranty. These will be needed when making a claim.
For more information on Buyer Protection/Extended Warranty please visit a branch, call us toll-free at 1-877-226-7957, or send an email to info@fusioncu.com.
As of August 24, 2021, our digital banking no longer includes this option. We are working towards making this available again in the future.
In the meantime, to set up CRA direct deposits to your Fusion account, you need to do so from the CRA website or by completing the necessary form available at any of our branch locations and mailing it in.