Features Include:
- Viewing account activity and recent transactions
- Transferring funds
- Viewing and editing post-dated payments
- Scheduling transfers
- Paying bills now or set up payments for the future
- Find a branch or ATM
Ways to Bank
Mobile App
Our free mobile app gives you easy and secure access to your everyday banking on the go.
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Deposit Anywhere™
Our Deposit Anywhere feature lets you quickly and securely deposit cheques using your smartphone or tablet.
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How it works:
Simply open the app, tap “deposit”, select your account, enter the amount, and take a picture of the front and back of your cheque. Confirm the details and submit. That’s it. The funds immediately appear in your account. Normal hold periods still apply.
Online Banking
Our online banking gives you the freedom to bank whenever and wherever you choose — 24 hours a day, 7 days a week.
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Features include:
- Viewing account information and receiving updated balances
- Paying bills and setting up future-dated bill payments
- Adding or removing bills — hundreds of vendors available
- Transferring funds between accounts; within a membership or to another member's account
- Downloading statement information to 3rd party software such as Intuit's Quicken, Money or Quickbooks
- Downloading e-Statements
- Transferring money into an RRSP or TFSA Savings account*
*existing accounts only
Set up alerts for added security!
Our Alerts feature sends you notifications about activity on your accounts or in online banking. These include:
- Attempts to change your PAC
- New payees added
- Insufficient funds in accounts (Note: this alert is only available if you have overdraft protection (SAOD)
- Withdrawals over a specified amount
- Deposits over a specified amount
Alert Account Nicknames
Members are required to give their accounts short nicknames, which are used to identify their accounts in alerts messages. The use of nicknames prevents the transmission of information that can be used to identify individuals or accounts.
ATM Network
Our ATM network gives you access to thousands of ATMs across Canada – surcharge free. Simply look for THE EXCHANGE® logo.
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Features include:
- Depositing cheques and cash
- Withdrawing cash
- Checking your balance
- Paying bills
- Printing a mini statement
- Transferring funds between accounts linked to your debit card
US access
When you’re traveling within the USA, THE EXCHANGE Network is still available to you. Just look for the logo. The majority of EXCHANGE ATMs in the USA are also surcharge free, but you may find that some states will have a nominal charge.
For more information on the US Point of Sale network, please visit THE EXCHANGE website.
Telephone Banking
Our automated telephone banking service lets you make many of your financial transactions from the comfort of your home.
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Features include:
- Accessing account balances
- Transferring funds between accounts
- Paying bills
- Searching for a specific transaction
Member Solutions Centre
Our local, friendly representatives are dedicated to assisting you with over-the-phone requests, or they can transfer you to your branch.
Debit Card
Our MEMBER CARD® Debit Card allows immediate, easy access to your accounts via ATM or at point-of-sale terminals. It includes contactless Interac Flash technology.
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Features include:
- Purchasing directly from your EKC accounts
- Making a deposit using any of the deposit-taking Canadian ATMs on THE EXCHANGE network
- Canada-wide acceptance through ACCULINK®, Interac®, and THE EXCHANGE networks
- U.S. and international use at ATMs and merchants displaying the CIRRUS® or THE EXCHANGE symbols
Note: Transaction fees may apply based on your account
How to pay using Interac Flash
At any terminal that accepts Interac Flash, simply follow these steps:
- Hold your card no more than 4 cm in front of the terminal
- A beep and/or approved message will indicate your transaction is done
- The purchase amount will be deducted automatically from your everyday bank account
Note: For security purposes, we’ve set spending limits for your Interac Flash transactions:
- A single transaction can’t exceed $250
- There is a $400 cumulative daily spending limit
When you reach one of these limits, you’ll be prompted to insert your debit card and enter your PIN. This is an added layer of protection that confirms you are the legitimate cardholder. Insert your card, enter your PIN, and your Interac Flash limits are reset.
Lost or Stolen Debit Card?
During business hours, call for support: 1.866.960.6666
After hours:
- Call 1.877.251.5230 (in North America)
- Email Technical Support
In-branch Banking
Our friendly, knowledgeable staff in branch can help you with a complete range of innovative financial products and services to support your goals.
Direct Deposit
Our Direct Deposit feature lets you automatically deposit payroll or government cheques into your account.
Electronic Signature
EKC offers electronic signatures from OneSpan, a safe and secure provider with a range of services to meet our members’ changing needs.
