Alterna Debit Card

Debit Card Features 

  • Pay for purchases at point-of-sale (POS) terminals instead of using cash
  • Track your spending through your statements
  • Securly pay for purchases with chip technology and Interac® Debit contactless payments
  • Members have access to the Exchange Network, Canada’s largest surcharge-free ATM network with over 43,000 surcharge-free ATMs in North America with THE EXCHANGE Network in Canada and the Allpoint Network in the US. Find an ATM near you.  
  • Change your debit card PIN at any Alterna or ACCULINK® ATM, or nationwide at the EXCHANGE® Network ATMs**
  •  Set daily spending limits on purchases, withdrawals and Interac® Debit contactless payments

Interac® Debit contactless payments

Interac® Debit contactless payments - a contactless payment feature of your Alterna Debit Card. Pay for smaller purchases faster and easier.

How to use Interac® Debit contactless payments

Step 1

Look for the Interac® Debit contactless payments logo on the Payment terminal

Step 2

Hold your Alterna Debit Card to the payment terminal

Step 3

You will know your transaction has been completed when you see the "Approved" message

Open Transit Payment

Beginning in the spring/summer of 2021 Cities across Canada plan to modernize transit payments as part of efforts to improve mobility services broadly and make them more convenient and accessible for riders. Transit Open Payments or open payment fare systems provide the ability for riders to tap a payment card issued by their financial institution or a mobile wallet provisioned with FI-issued payment credentials at fare readers without the need to use a transit fare card or transit app in a mobile wallet. Interac is enabling the ability for a debit card or mobile wallet supported by Interac® Debit to be used for this purpose. To learn more about this exciting feature please click here.

Lost or stolen card? 

No worries - call us right away at 1.888.807.4101.

*Always be vigilant about protecting your PIN to prevent unauthorized activity 

**Available to personal and individual business members (sole proprietors) only

Interac is a registered trade-mark and the Interac logo is a trade-mark of Interac Corp. Used under license.

 To learn more, visit

Interac® Debit Contactless Payments FAQs

Which account is debited when I use Interac® Debit Contactless Payments? Expand/Collapse

You should choose to designate a specific chequing sub account to be your default account for completing Interac® Debit Contactless transactions. This is especially recommended for transactions posted outside of Canada.

If no default account is selected for Interac® Debit Contactless Payments, the account that is debited for Interac® Debit Contactless Payments, transactions will be your first available chequing account. If you do not have a chequing account, then the next available savings account will be debited.

If you wish to change your default account, you can call the Contact Centre or visit your branch.

How do I get an Interac® Debit Contactless Payments Debit Card? Expand/Collapse

Interac® Debit Contactless Payments, enabled Alterna Debit Cards are available at any of our branch locations. You’ll need to exchange your current Alterna Debit Card for a new Interac® Debit Contactless Payments, enabled Alterna Debit Card if you’d like to use this service.

Are there spending limits for this feature? Expand/Collapse

Yes. For your protection there is a transaction limit of up to $250 per purchase made using Interac® Debit Contactless Payments, If your purchase is above this limit, you will be prompted to insert your Alterna Debit Card and enter your PIN.

As an added layer of protection, there is also a cumulative spend limit of $400 for Interac® Debit Contactless Payments, transactions. This is the sum of all contactless transactions made with your card since the last time you entered your PIN. When this limit is reached, you will be asked to insert your Alterna Debit Card and enter your PIN. This will reset your limit so you can continue to use Interac® Debit Contactless Payments.

I already have an Alterna Debit card with Interac® Debit Contactless Payments, will my tap limit automatically change from $100 to $250? Expand/Collapse

No. In order to make the change you need to complete 3 consecutive Point of Sale (POS) contact transactions. The contact (pinned) transactions can be completed at different terminals but must be a contact transaction (requiring PIN entry). If a contactless transaction is performed, you will not be prompted to enter your card which is why we are advising you to complete the 3 consecutive POS contact transactions.

Once the 3 consecutive POS transactions have been completed, the contactless limits on the cards will be updated.

I just received my Alterna Debit card, is my tap limit set at $250? Expand/Collapse

No, new debit cards issued after December 2nd, 2020 will still need to follow the steps outlined above to increase the tap limit to $250.

Are there any additional account fees for using Interac® Debit Contactless Payments? Expand/Collapse

Good news! There are no additional fees for using this convenient service.

Will I need to use a PIN? Expand/Collapse

The first time that you pay for a purchase with your Alterna Debit card using Interac® Debit Contactless Payments, you will be prompted to enter your PIN. 

If the amount of your purchase exceeds the Interac® Debit Contactless Payments, transaction limit for that particular merchant, then you’ll be prompted by the payment terminal to insert your card and enter your PIN. You’ll also be asked to insert your card and enter your PIN once a cumulative spend limit is reached.

What happens when my Card expires? Expand/Collapse

You will receive a new card by mail prior to your card expiration date. In most cases, your PIN has been transferred over to your new debit chip card, so you’ll be able to use the PIN you did previously. If the letter accompanying your card indicates that your PIN was sent separately, then you’ll receive your PIN in the mail. When you receive your PIN, simply call us to activate your new card.

Will I get a receipt for Interac® Debit Contactless Payments transactions? Expand/Collapse

Yes, merchants will provide receipts for Interac® Debit Contactless Payments transactions like they do for regular Interac Debit transactions.

Is it secure? Expand/Collapse

Yes! Interac® Debit Contactless Payments, uses secure chip processing to protect against skimming, counterfeiting and electronic pick-pocketing. Interac® Debit Contactless Payments, also uses RF (Radio Frequency) enabled smartcard technology, which is more secure than RFID (typically used for inventory management). When you make a payment, the only data transmitted consists of payment transaction codes, not confidential details about your bank account. Transactions occur in real time, so no information can be captured by criminals to conduct fraudulent transactions or commit identity theft.

These features, along with the Interac® Debit Contactless Payments, tap limits and the need to enter your PIN when the limits are reached make this a very secure solution. Additionally, transactions are covered by Interac Zero Liability, which protects you against unauthorized activity on your accounts.

Do I have to use the Interac® Debit Contactless Payments feature on my Debit Card? Expand/Collapse

The great thing is you’ll have your choice! Interac® Debit Contactless Payments is a safe and convenient optional feature that can be enabled or disabled any time. You can choose to use this feature, or you can insert/swipe your card, and enter your PIN as you did before.

Existing clients opened prior to July 11, 2017: ATM access card agreement (PDF)
New clients effective July 12, 2017: Debit Card Agreement (PDF)