UPDATE: Chip enabled debit cards

Starting in September, 2012, First Credit Union began releasing microchip enabled debit cards to all of our members, Due to changing regulations regarding debit card use in Canada, it was required that all members exchange their magnetic stripe debit cards for the new chip card. The microchips contained within these cards store and process data more securely. The data on the chip is extremely difficult to copy or change, minimizing the risk of debit card fraud.

In order to most securely issue our members their new debit cards, over the past several months we have been contacting our members to ask that they visit their local branch in order to receive their new card. All "magnetic stripe" debit cards will have expired as of December 31, 2012. If you are experiencing card issues and you are using a magnetic stripe debit card rather than a chip card, you must contact your local branch in order to have your card replaced.

When you use your new debit card, you will still input a personal identification number (PIN). When using a chip reading automated teller machine (ATM) or point-of-sale (POS) card terminal, you will insert your card in the terminal, removing it only when prompted at the end of the transaction. If you are using your card at a POS terminal that does not read chip cards yet, your card will be swiped as it is currently.

At your local branch, one of our Financial Services Representatives will issue you a new card. You have the ability to change the PIN on this card at any time by visiting one of our ATMs or any ATM on THE EXCHANGE® network.

Your First Credit Union debit card, together with your PIN, provides access to your credit union account 24 hours a day, at home and internationally. And remember, you can access your accounts through THE EXCHANGE® network of ATMs with no surcharge.

In addition, we are excited to announce that the new chip card will feature the photography of local artists. In the Powell River region, Emma Levez Larocque's photograph of Appleton Creek is featured. We look forward to featuring other local talent in future card series!


One of the many privileges of belonging to to a credit union is your MEMBER CARD® debit card.

  • Your MEMBER CARD® debit card gives you access to tens of thousands of ATMs worldwide.
  • Your MEMBER CARD® debit card — together with your personal identification number (PIN) — provides access  to your credit union account 24 hours a day.
  • MEMBER CARD® debit cards of members with package accounts, automatically have protection through our Buyer Protection Extended Warranty*.
  • Come in or call us to arrange for your MEMBER CARD® debit card today!

Buyer Protection Extended Warranty

Every time you use your MEMBER CARD® debit card to make a purchase, you are protected against things like loss, theft, damage or breakage for a full 90 days after the purchase. You will also have the security of Extended Warranty which can double the manufacturer's warranty up to one year longer. Best of all, there are no forms to fill out, no applications, and no extra cost. Chequing accounts are also offered the same protection.

This coverage offers protection on the purchase of most retail items - and that includes gifts. For a full 90 days after the purchase, the item is protected if it is lost, stolen, or dropped and broken.

Valid claims will be satisfied either by replacing the lost or damaged item, or by a cash payment in an amount not to exceed the amount of the total purchase price.
The program doubles the warranty period of  purchased item up to one entire year, as long as the manufacturer's warranty is valid in Canada for five or less years. 
TO MAKE A CLAIM CALL     1-877-408-0827


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