Credit & Debit/ATM Services | PARAMA

Online Banking FAQs


    You are here

Credit & Debit/ATM Services

Credit Card



Flash Debit Card

We are pleased to offer our members enhanced security with our microchip-enabled FLASH MEMBER CARD® debit cards. The microchips are encrypted and provide significant enhanced protection against counterfeiting and fraud. When used together with your Personal Identification Number (PIN) you are protected by a highly secure transaction.  You can now use the Interac Flash feature on your PARAMA FLASH MEMBER CARD® debit card to pay for purchases under $100 quickly and conveniently – you won't need to insert your card into the chip reader at the checkout or enter your PIN.  There is a daily maximum purchase limit of $100 when using the Flash feature.

If your FLASH MEMBER CARD® card has been lost or stolen please notify PARAMA at either location during business hours or after business hours call 1-888-277-1073 and your card will be blocked from any further use.


ATM Services

In Canada

Why pay a $1.50 fee to access your money when you can do it through The EXCHANGE® network ATMs for free! The EXCHANGE® network gives you surcharge-free access to ATMs through a select few banks, including HSBC, National Bank and Tangerine, as well as a long list of other participating Canadian Credit Unions. You can make deposits, cash withdrawals, transfers, PIN changes and balance enquiries at thousands of locations throughout Canada. You can also use your debit card at most direct debit/POS systems and at PARAMA you have unlimited transactions, free of any fees (unless the vendor charges a fee). Keep in mind, you still have access to INTERAC® ATMs, however surcharges may apply.

Visit to find your closest fee-free ATM and start saving!

A similar fee-free ATM search site is the ding free® website at Credit Union members can search for participating surcharge free ATMs. To make finding a ding free® ATM even more convenient, Canada’s credit unions have launched a free locator app which is available or iPhone®, Android®, Windows® and BlackBerry® devices.


Outside of Canada

The convenience of banking at PARAMA continues! When you are in the US you can make direct debit purchases at participating US merchants on the ACCEL POS network and make surcharge-free cash withdrawals at participating EXCHANGE® network ATMs (except where prohibited by law). The US dollar purchase value is converted to Canadian dollars when it is taken out of your account, reducing the need to carry excess US cash. You can also make cash withdrawals at any CIRRUS Network ATM, however surcharges may apply.


ATM Locators



Canadian and U.S. ATM Locator

ACCEL POS® Network

U.S. Merchants


International ATM Locator

Ding Free®

Ding Free® ATM Locator app