Eliminating Borders for Canadian Cardholders
If your financial institution is a member of The Exchange Network, your debit card can be used to withdraw cash at ATMs throughout Canada and the United States. (Surcharges on financial transactions may be incurred at some ATMs in the following U.S. states: Alabama, Arkansas, California, Florida, Georgia, Idaho, Louisiana, Maine, Mississippi, Minnesota, Montana, Nevada, Tennessee, Texas, Washington, Wyoming.)

Additionally, as a participant in the ACCEL Network, you are able to use your ATM/debit card to make purchases and, in many cases, get cash back at grocery stores, pharmacies, gasoline stations, home improvement stores and discount chains across the United States.

Just look for these marks on your ATM/debit card:

If THE EXCHANGE mark appears on your card, you can use it to:

• make withdrawals at any ATM in Canada or the United States displaying The Exchange logo
  
  
• make deposits at any ATM in Canada displaying The Exchange logo
  
  

The Exchange and ACCEL Networks offer so many benefits...
Using your card at home to withdraw cash, make deposits, transfer funds and perform balance inquiries at an ATM saves time by having immediate access to your money 7 days a week, 24 hours a day. ATM banking adds convenience to your busy life.

Using your ATM/debit card to make purchases saves time, eliminates the need to carry cheques or extra cash, and ensures you won't be billed later. At some retailers, you can even get cash back along with your purchases. All you have to do is swipe your card and enter your personal identification number (PIN). You will receive a receipt for your purchases and a record of the transaction will be reflected in your monthly financial institution statement.

There's good news for travelers, too!
Your ATM/debit card works throughout the United States just the same as at home. No foreign exchange concerns, no need to purchase traveler's cheques or to bring your credit cards. You can even get US currency back in addition to the purchase amount at many retailers, saving you a trip to the ATM or currency exchange bureau.

Your ATM/debit card with The Exchange and ACCEL logos:

• Accepted at local, regional, and national retailers across the U.S., ensuring you can use your card when and where you choose
  
  
• Provides you with anytime, anywhere access to your funds
  
  
• Can be used in Canada and the United States as well as other places throughout the world