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Ways to Bank

Member Solutions Centre
Member Card Debit Card
Interac Flash
ATMs
Telephone Banking
Personal Financial Management
Mobile Pay

Member Solutions Centre 1.800.598.2891

Tandia's telephone system provides easy and direct contact options using one familiar number that can put you in touch with our entire organization.  You can reach any branch or specific staff through our Member Solutions Centre "one-stop-shopping" number. 

Talk to a Member Solutions Centre Associate – Press 1

Often, your question can be answered or your application or transaction completed over the phone during regular business hours by one of our knowledgeable Member Solutions Associates.  After hours, you may leave a brief message.

Reach Staff Members or Your Branch Directly – Press 4

If you already know the extension of the person you wish to reach, you can enter it immediately.  Alternatively, a directory of staff is available when you press 1.

Access Telephone Banking – Press 5

Automated telephone banking is accessible 24/7 by pressing 3.  For more information about telephone banking, click here.

Report a Lost or Stolen Card – Press 6

Details on how to report a lost or stolen MEMBER CARD® debit card both during and after regular business hours is provided when you press 6.

Questions?

Contact our Member Solutions Centre at 1.800.598.2891 during regular business hours, or Contact Us anytime using the form.

®MEMBER CARD is a registered certification mark owned by the Canadian Credit Union Association and is used under license.

Member Card Debit Card

Your key to cooperative banking.

A Tandia MEMBER CARD® debit card offers the latest in chip-card technology including the convenience of Interac® Flash.  The card provides safe and secure access to your account(s) through a worldwide network of ATMs and at most retail merchants in Canada and the US. It gives you the freedom to access your funds instantly, and the control to spend only what you can afford.

All you need is your own Personal Identification Number (PIN) which you can obtain and/or change any time you feel you need to at your branch or any Tandia ATM or EXCHANGE® Network ATM.

Benefits

  • Minimizes the need to carry cash.
  • Once activated with a PIN (personal identification number) your MEMBER CARD® debit card provides convenient access to your chequing and savings accounts at ATMs and Interac® direct payment services at participating merchants.
  • You will enjoy the convenience of Interac® Flash for smaller purchases at participating merchants - you can just tap and go.
  • Parental consent is required if you are under the age of 18.

Card lost or stolen?

Once we are advised, you are not liable for any money removed from your account without your permission.  You can report a lost or stolen MEMBER CARD® debit card during regular business hours by calling our Member Solutions Centre at 1.800.598.2891. After hours, please call our Card Services partner at 1.888.277.1043.

Questions?

Contact our Member Solutions Centre at 1.800.598.2891 during regular business hours, or Contact Us using the form below.

®MEMBER CARD is a registered certification mark owned by the Canadian Credit Union Association and is used under license.

Interac Flash FAQs

MEMBER CARD® debit cards with Interac® Flash are being issued by Tandia as of November  2016.  Interac Inc. has produced issued an awareness brochure for handy reference, and here are some frequently asked questions about the new Interac Flash feature.

1. What is Interac Flash?

Interac Flash is the contactless payment functionality technology that is being added to new Tandia MEMBER CARD debit cards.  It allows you to pay for smaller purchases faster and easier by just holding up your Flash-enabled debit card to a point of sale terminal that supports this contactless functionality.  The purchase will automatically be deducted from your primary transaction account without having to insert your card in the chip reader or use your PIN (Personal Identification Number). 

You don’t HAVE to use Interac Flash for smaller purchases – you can continue to insert your card and use your chip/PIN for any point-of-sale transaction - it is simply an added payment convenience available if and whenever you choose to use it.

2. How do I use my new Interac Flash debit card?

It’s important to know that when you receive your new Interac Flash card and use it for the first time, that you must insert your card and use your PIN for the first transaction.   Interac Flash will then be activated for future transactions. 

Additionally, the store’s point of sale terminal must support this form of contactless payment.  Look for the contactless logo on the device screen or you can ask the business if they accept  Interac Flash.  Then, simply hold your card on the supporting reader and a beep and/or an approved message on the screen will indicate that your transaction has been completed and funds have been immediately debited from your account.

3. How secure is Interac Flash?

There are several security features in place that ensure Interac Flash debit cards are safe.  Interac Flash leverages secure chip processing.  This protects Interac Flash against skimming, counterfeiting and transaction replay types of fraud, including electronic pick-pocketing.  Interac Flash technology protects your card from being copied and counterfeited. 

Consumers are fully protected with Interac Zero Liability Policy that allows for 100% reimbursement of funds if your card is lost or stolen.  You can learn more about Interac Flash security here.

In addition, as an added security measure to ensure that your card is in your possession, the point of sale terminal will randomly and from time to time disallow the use of the contactless method for the transaction, and prompt you to insert the card and enter your PIN.  This ensures that the rightful card owner is in possession of the card. 

4. Will my current PIN work on my new Interac Flash debit card?

No, we regret that we cannot replace an active Member Card debit card with an Interac Flash-enabled replacement without issuing a new PIN.  In advance of receiving your new Interac Flash card via mail, you will receive a separate mailer with a new PIN.  If your card is issued at a branch, you can re-PIN your new card right then and there.  You can change your PIN at any time by visiting a Tandia branch or at any Tandia ATM or Exchange Network ATM location.

5. Are there fees associated with using Interac Flash?

There are no additional or new fees associated with Interac Flash transactions - the fees remain the same and are dependent on the type of account being debited.  Please refer to Interac Direct Payment fees in our Service Fee Bulletin.

6. What are the limits on Interac Flash transactions?

For security purposes, you can “tap” your card to pay for transactions that are $100 or less, and may do multiple transactions in one day, up to a total of $200. After that point, you must re-enter your PIN at a point-of-sale terminal which will then reset your $200 limit allowing for subsequent Interac Flash purchases.

7. Can the limits on Interac Flash Member Card debit cards be customized?

No, the limits are set by Interac® and cannot be altered.

8. Are Interac Flash limits included in the overall point-of-sale daily transaction limits?

Yes.

9. Can I deactivate Interac Flash on my Member Card debit card?

If you do not wish to have the Interac Flash feature on your new Member Card debit card, you can request that it be disabled at any branch or through the Member Solutions Centre.

10. Can I reactivate the Interac Flash feature later?

Yes, you can reactivate in the future, however there will be a reactivation fee of $15.00 due to the network costs that Tandia incurs to make these changes to your Interac Flash debit card.

11. What happens in the event of a lost/stolen Interac Flash Member Card debit card?

Remember, Interac Flash is backed by Interac’s Zero Liability Policy to protect you from unauthorized use of your card.  Don’t panic but please contact us immediately – during regular business hours, you can call us at 1.800.598.2891 and we will talk you through the process from start to finish.  After hours, please call our Card Services partner at 1.800.567.8111 or collect 1.306.566.1276.

12. Can I accidentally pay for something if I stand or hold my debit card too close to a terminal?

Two things would have to happen at the same time for a transaction to go through while your card is still in your wallet.  First, the point-of-sale terminal would have to be ready to receive a debit transaction.  Second, your card would have to get within 4 cm of the terminal.  It is good to be aware of where your card is when entering line-ups for purchases, but making a purchase without being aware is virtually impossible.


ATMs

Branch ATMs

Each of our branches is equipped with a full-service ATM, and our Ancaster and Acton locations also have a drive-thru ATM.  But that's not all.  Your Tandia account is accessible at hundreds of ATMs across Canada, with no additional fees!

A National Surcharge-Free ATM Network

THE EXCHANGE® is a network of banks and credit unions that have come together and agreed to never charge each other’s cardholders any surcharge fees—at thousands of ATMs across Canada. As a proprietary ATM network, THE EXCHANGE® Network offers the only inter-institutional, full-function ATM network in Canada.

Through this partnership, you can make surcharge-free withdrawals, deposits or PIN changes, Canada-wide. You will never pay any surcharge fees to access your own money even if you use another member institution’s ATM network. Of course, you still have to pay your normal account fees but that’s it, nothing extra.

So long as they’re all part of THE EXCHANGE® Network, bank customers can use credit union ATMs and Credit Union customers can use bank ATMs, surcharge-free. Just look for ATMs with THE EXCHANGE® logo.

Learn more about THE EXCHANGE® Network  →

US Accel® Point of Sale Network

Many financial institutions also offer access to the Accel Point of Sale (POS) debit network in the United States. The Accel network is one of the largest POS networks in the United States with more than 3,000,000 merchant locations in the network.

The Accel network in the United States works exactly the same way debit card purchases work at home. Purchases are paid for by swiping or inserting your debit card and verifying the transaction with your confidential PIN. As an added value, a cash back option is also available at the majority of merchants.

Questions?

Contact our Member Solutions Centre at 1.800.598.2891 during regular business hours, or Contact Us 


About Telephone Banking

Finances at your fingertips.

Automated Telephone Banking is a trusted and reliable member service that provides access to your account around-the-clock to inquire and transact in real-time via a touch tone telephone.  It pre-dates online banking and many members continue to utilize it every day.  It’s a convenient alternative to online or mobile banking options, either by personal choice or for times when you have limited internet access.

With Telephone Banking, you can:

  • Check account balances (including loans)
  • Review recent account activity and search for specific transactions
  • Transfer funds between accounts - immediate, scheduled and recurring
  • Pay bills - immediate, scheduled and recurring
  • Change your Telephone Access Code (TAC)
  • Transfer your call to a live Member Solutions Associate during regular business hours

Easy to Access

To access Telephone Banking 24/7, call our main telephone number at 1.800.598.2891 and press 3. For assistance in following the Telephone Banking menu, view our brochure.

Bigger Picture.Smarter Features.Better Living.

Take everything you know about yourself financially and put it where you can see it all at once. What do you have? A bigger picture. Smart new online banking features let you see and understand your money like never before. Spending and budgeting tools show you how you spend, save and live today so that you can make decisions that are right for you tomorrow.

Get the Bigger Picture

Get your complete financial picture in one place. Start with your transactions with us, add to that transactions from all your other financial accounts like credit cards, investments, mortgages—even loans from mom and dad—and see them in the same place. That’s your big picture. Best of all, it’s free and built into online banking.

See Your Spending

It’s easier to plan when you can see a snapshot of how and where you spend your money. All your transactions are automatically categorized and displayed in easy to understand charts and graphs, updated daily. Assign and re-assign transactions to different categories. Personalize your categories so they make sense to you. It’s easy to do.

Safe & Secure

Best of all, your transactions remain in the safety and security of online banking, from the financial institution you already know and trust. Continue to enjoy peace of mind.

Go Mobile

Make in-the-moment financial decisions by tracking your spending and budgets from your smartphone or tablet. It’s the information you need to make the right decision every time.

See it for yourself

Online banking has changed. Log in to experience your new enhanced spending and budgeting tools. 
Learn More →

Not banking online yet? Sign up now →

Apple Pay

A secure and easy way to pay.

Tandia is pleased to offer you the latest in payment technology for everyday purchases. If you have a Tandia MEMBER CARD® debit card and an eligible Apple device, then you’re all set for Apple Pay.

Apple Pay will work wherever the Apple Pay logo is displayed. Using the Tandia™ Mobile app, you can add your Flash-enabled Tandia debit card to your iPhone or Apple Watch for purchases on-the-go. Using Apple Pay is as easy as holding your finger to the home button of your iPhone or using Face ID on iPhone X.  You can also use Apple Pay on your iPad or Mac for online purchases where Interac® Debit is accepted for payment.

Each payment requires your authorization through either Touch ID, passcode or Face ID, keeping each transaction private and secure. Your card details are not stored on your device nor shared with the merchant during a transaction. You will get notifications for both successful and declined transactions.

Your spending limits for Apple Pay purchases are the same as those on your Tandia debit card. If your device is lost or stolen, you can remotely suspend Apple Pay or wipe your device.

read more

Setting up Apple Pay is secure.

On your iPhone through Tandia™ Mobile:

1.    Open  the Tandia Mobile app and select 'Settings'.

2.    Tap 'Setup Apple Pay'.

3.    Follow the onscreen instructions to add your Tandia debit card.

On your Apple Watch through the Apple Watch app:

1.    Open the Apple Watch app on your iPhone.
2.    Tap ‘Wallet & Apple Pay’ and select ‘Add a credit or debit card’.
3.    Follow the onscreen instructions to add your Tandia debit card.

On your iPad:
1.    Go to Settings.
2.    Tap ‘Wallet & Apple Pay’ and select ‘Add a credit or debit card’.
3.    Follow the onscreen instructions to add your Tandia debit card.

On your MacBook Pro with Touch ID:
1.    Go to System Preferences.
2.    Tap ‘Wallet & Apple Pay’ and select ‘Add a credit or debit card’.
3.    Follow the onscreen instructions to add your Tandia debit card.


Paying with Apple Pay is easy.

Using your iPhone, hold it to the payment terminal with your finger on the home button. A beep and vibration will confirm your payment.

For your Apple Watch, hold the watch to payment terminal and double click the side button. A tap and a beep will confirm your payment.


Get ready to use Apple Pay every day.

In stores
In stores, you can use Apple Pay on your iPhone or Apple Watch. Apple Pay will work wherever the Apple Pay logo is displayed. To view a list, visit www.apple.com/ca/apple-pay/

Within apps
With your iPhone, iPad and Apple Watch, you can use Apple Pay within apps when you see Apple Pay as a payment option and Interac Debit is accepted.

Using the Safari browser
On the web in Safari, you can use Apple Pay on your iPhone, iPad, and Mac. To use Apple Pay with Safari on a Mac model without built-in Touch ID, you might need to check your settings. Go to Settings > Wallet & Apple Pay and make sure that 'Allow Payments on Mac' is turned on.

Questions?

If you have questions or technical issues, please call our Member Solutions Centre at 1.800.598.2891 or Contact us.

​Apple Pay FAQs 

1. Which Tandia cards can I use with Apple Pay?

Tandia Member Card® debit cards are currently available. Apple Pay will use the same default account (CHQ/SAV) that you use for Interac® Flash purchases.

2. Can I add my Tandia debit card to more than one Apple device?

Yes, you can add your card to one or more eligible Apple devices.

3. How do I make my Tandia debit card the default card in Apple Pay?

The first card added to Apple Pay is automatically set to be the default card. To change your default card, open the Wallet app, hold and drag your Tandia debit card to the front. You may also:
a)    Open Settings and select “Wallet & Apple Pay”
b)    Select “Default Card” under “Transaction Defaults” and choose your Tandia debit card.

4.  Is Apple Pay free?

Yes, there are no fees to use or register you card with Apple Pay. Each transaction in Apple Pay will count as a transaction, if transaction fees are applicable for your account. Your wireless carrier may charge additional fees for data usage.

5. How is Apple Pay secure?

Each payment requires your authorization through either TouchID, passcode or Face ID. Your card details are not stored on your device and won’t be shared with the merchant. If your device is lost or stolen, you can remotely suspend Apple Pay or wipe your device.

6. Is my account number stored on my phone?

No, your account number is replaced with a secure digital number known as a token. The token represents your Tandia debit card and is used to make secure purchases, in-app and in-store.

7. On which devices will Apple Pay work?

Apple Pay works on iPhone 6 or higher, or iPhone 5 if you have an Apple Watch.

8. Do I need network access to make a purchase?

No, a network connection is not required to make a payment, but it is recommended to receive transaction alerts.

9. How do I do a Refund?

Refunds are initiated by the Merchant at their POS terminal, following the same rules as refunds do today. It is recommended that you bring your physical card with you.

10. What if my device is lost or stolen?

If you have any reason to believe your Tandia debit card details used for Apple Pay have been stolen or compromised please call us at 1.800.598.2891. You can remove your card remotely using Apple’s “Find my iPhone”.

11. If I get a new Tandia debit card, do I have to update Apple Pay?

Yes, you will need to delete the previous card and add the new card.

12. Can I remove my card from Apple Pay?

Yes. To remove a card from Apple Pay: open settings, select “Wallet & Apple Pay”, choose “Select Card”, and then select “Remove Card”.

*Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in apps and websites in Safari; and with Mac (2012 or later) in Safari with an Apple Pay-enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/km207105

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.

®MEMBER CARD is a registered certification mark owned by the Canadian Credit Union Association and is used under license.

®Trade-mark of Interac Inc. Used under license.

Samsung Pay

Making everyday purchases is fast, more secure and convenient with Samsung Pay. Swipe up from the home button for a simple way to access your Tandia MEMBER CARD® debit card.


Purchases can be authenticated with your PIN, iris or fingerprint* before tapping your Samsung phone over a POS terminal. Your information is further protected with network tokenization technology, remote disabling options and security measures set by Tandia.

Use your Tandia debit card at most merchant terminals where you can tap, scan or swipe a payment card. Samsung Pay – discover a new way to pay.

read more

Simple to use.

Using Samsung Pay is simple. Get started by selecting the app icon or by swiping up from the bottom of your screen. Authenticate your identity easily using iris or fingerprint, or just enter your PIN. To purchase, simply hold your Samsung phone over any POS terminal accepting payment cards that tap, swipe or scan.


Safe and more secure.

Samsung Pay is equipped with the security and fraud support provided by Tandia and more. All purchases require authorization, and network tokenization technology prevents your card number from being transmitted to merchants. If your device is lost or stolen, you can remotely disable the app.


Widely accepted.

Samsung Pay uses Near Field Communication (NFC) and Magnetic Secure Transmission (MST) technology to enable more secure contactless payments. Whether you need to tap or swipe a card, Samsung Pay makes a payment possible at almost any POS terminal in Canada.**


Easy setup.

To load your card on your Samsung mobile device:

1. Open the Samsung Pay app on your Samsung mobile device.
2. Tap the plus sign in the upper right corner.
3. Follow the instructions to add your Tandia debit card.

You can now use your Samsung mobile device to make in-store payments with your Tandia debit card.

To make a purchase:

1. Open your Samsung Pay app.
2. Select your Tandia debit card.
3. Authenticate your card with PIN, fingerprint or Iris scan.
4. Hold your device to the payment terminal - a subtle vibration and beep will confirm your payment and the screen will show a checkmark with a 'Payment completed' message. The payment terminal will also let you know when the payment is approved.

​Samsung Pay FAQs 

1. Is Samsung Pay available for both personal and business members of Tandia Financial Credit Union?

Samsung Pay is currently only available to Tandia members with a personal account who have Tandia Financial Credit Union MEMBER CARD® debit card.

2. Which devices can I use with Samsung Pay?
Samsung Pay is supported on the following Samsung devices: Galaxy S9 & S9+, Galaxy S8 & S8+, Galaxy S7 & S7 edge, Galaxy S6, S6 edge & S6 edge+, Galaxy Note9/Note8/Note5, Galaxy A8/A5, Gear Sport, Gear S3 Frontier/Classic and Galaxy Watch.

3. Can I use Samsung Pay to pay for online purchases?
The ability to pay online with Samsung Pay and your Tandia debit card is only with select merchants.

4. How do I make my Tandia debit card my default card in Samsung Pay?
You can't set a default card in Samsung Pay. The last card used or viewed would be the card defaulted for payment. Swipe left and right to scroll through your payment cards and select the one you want to use for payment.

5. Can I add a second account or card to Samsung Pay?
Yes, you can have up to 10 cards in the Samsung Pay app.

6. How many devices can I add my card(s) to?
You can add your Tandia debit card to the Samsung Pay app on any number of Samsung devices.

7. What are the terms & conditions of my Tandia debit card in Samsung Pay?
Samsung Pay is governed in accordance with the terms and conditions that you accepted when you added your card to Samsung Pay and the Member Card Agreement that you signed when you received your card.

8. Why am I being asked to call Tandia Financial Credit Union?
Tandia treats the protection of your financial information very seriously. If you're asked to call us as part of the card activation process, it's because we need to verify your card to protect you from fraud.

9. Where can I pay with Samsung Pay?
You can use your Tandia debit card with Samsung Pay anywhere you see these three symbols.

10. Will I have to sign a receipt or enter a PIN when paying with Samsung Pay?
No, Samsung Pay purchases are verified using fingerprints, iris scans or PIN (personal identification number).

11. Is there a maximum dollar amount for a purchase?
Samsung Pay doesn't limit transaction amounts but individual retailers may. In Ontario, it's common to see limits of $100 per transaction.

12. Am I subject to a daily spending limit?
There is a daily spending limit attached to your Tandia debit card. This helps protect you from loss due to unauthorized use of your card. Any withdrawals you make from your account using your Tandia debit card will count toward this limit. This includes purchases at retail locations, ATM transactions and now Samsung Pay.

13. Is there a cost to using Samsung Pay?
No, Samsung Pay is free to use. However, each Samsung Pay payment will count as a transaction on your account. If you pay transaction fees on your account or you exceed the monthly transaction limit you could pay a fee for your Samsung Pay transactions.

14. How do I know when a purchase is complete?
Your transactions will show a checkmark with a "Payment completed" message.

15. Does Samsung Pay work internationally?
Samsung Pay using your Tandia debit card works wherever Interac® Flash is accepted. Currently, Interac Flash is only accepted in Canada.

16. How do I view recent Samsung Pay transactions?
To view your most recent transactions, open the Samsung Pay app and select the card you want to view the transactions for. Your mobile payment transactions will also show up on your monthly banking statement, the same as all other transactions made using your physical card.

17. Will I get a notification on my phone for a declined transaction?
Yes, you will get notifications for declined transactions, just as you would for successful ones. Check your account records for your current balance and transaction status.

18. Why does the transaction history on my phone not include purchases made with my watch?
Each device only displays transactions performed with that device, since the virtual "card number" on your watch is different than the "card number" on your phone. This security feature helps us to manage situations when a device (either the watch or the phone) is lost, stolen or upgraded.

19. How do I get a refund?
Refunds are initiated by the retailer at the payment terminal following the same process as a purchase, with one exception. The cashier may ask you for the last four digits of your Device Account Number. To find the last four digits of your Device Account Number for your card, tap the (i) or (...) button on your card in the Samsung Pay app to view the back of your card.
When you return a purchase made with Samsung Pay you will receive a refund to your account. Successful refunds will be processed immediately.

20. Is there an easy way to pay with another card?
Yes, to pay with another card open the Samsung Pay app and select that card before making your purchase. The card used last will be shown as the first option for your next transaction.

21. How do I stop using Samsung Pay?
Having a card with Samsung Pay does not block you from making purchases using your physical card. You always have the option remove your card from the Samsung Pay app.

22. How do I remove a card from the Samsung Pay app?
a) Open the Samsung Pay app
b) Tap Wallet and then select Credit/Debit
c) Select the card you want to remove and then touch the "..." (three dots at the top of the screen) for more options
d) Select Delete Card and then choose a reason for removing the card
e) Tap Delete and then authenticate using your PIN, fingerprint or iris scan.

23. Will removing my card deactivate my plastic card?
No, removing your card from the Samsung Pay app will only deactivate the card from being used for Samsung Pay. It will have no effect on your plastic card.

24. What should I do if Samsung Pay is not working with the payment terminal?
Samsung Pay should work at all retailers that accept Interac Flash. Depending on the location of the signal from the phone and the case you are using, you may need to either remove the case or re-position your phone on the payment terminal. Payment terminals also vary from store to store so what works at one may not work at another. If you have trouble, ask the retailer if they accept Interac® on Samsung Pay.

25. Do I need network access to make a purchase?
No. Your phone (powered and unlocked) has everything you need to complete a purchase at a retailer, whether or not you have network access at that time. As with card purchases, you may not be able to complete a purchase if the retailer’s payment terminal is offline or unavailable. You will need network access to receive transaction notifications from Samsung.

26. I’m having trouble with Samsung Pay. Who do I contact?
If you are having trouble using Samsung Pay, please call us at 1.800.598.2891 and we will be happy to answer your questions.

27. Will the case on my phone interfere with making purchases?
The Samsung Pay signal is a magnetic field created by a small antenna, which interacts with a similar antenna on the payment terminal. The case on your phone, depending on its thickness and material, could interfere with this signal. If you have trouble using Samsung Pay, try re-positioning your phone on the terminal and waiting up to a few seconds for the devices to communicate with one another. For some thicker phone cases, you may need to remove the case to complete a purchase.

28. How is Samsung Pay secured?
Each Samsung Pay transaction is protected by, and requires, your authorization using PIN, fingerprint or iris scan. Samsung Pay uses tokenization, a secure environment and Samsung KNOX to secure your payment information. Card information is encrypted and securely sent to the appropriate card network. Upon determining their card validity, account information, and device integrity, Interac sends a token to the device. The token is stored in the Trusted Execution Environment on the device, leveraging Samsung KNOX’s Architecture. No debit card information is stored on Samsung’s devices or servers.

29. Is additional information being collected from me when I use Samsung Pay?
Samsung Pay does not capture any transaction information that can be tied back to you. If you have location services turned on, the location of your device and the approximate date and time of the transaction may be sent anonymously to Samsung. View the Samsung Pay terms and conditions for more information.

30. What is NFC?
NFC stands for Near Field Communication, which is a contactless proximity technology. NFC uses the same technical standards as plastic cards (such as Interac® Flash), which allows you to tap your card to complete transactions. It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm. In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.

31. How does the technology work?
When you register a card with Samsung Pay, the card is assigned a digital identification number, which is encrypted and verified by Samsung and Interac – and protects your payment information.

32. How am I protected against fraud?
Each Samsung Pay transaction requires your authorization through PIN, fingerprint or iris scan. Your card number is not shared with the merchant nor saved on your device.


Questions?

If you have questions or technical issues, please call our Member Solutions Centre at 1.800.598.2891 or Contact us.

*Iris and fingerprint scanner compatible devices. Please check your device settings for compatibility.

**Works anywhere MST/NFC credit transactions are accepted.

©2017 Samsung Electronics Canada Inc. All rights reserved. Samsung and Samsung Galaxy are registered trademarks or trademarks of Samsung Electronics Co., used with permission. Screen images simulated.

®INTERAC is a trademark owned by Interac® Inc. and is used under license.

®MEMBER CARD is a registered certification mark owned by the Canadian Credit Union Association and is used under license.

™Tandia is a registered trademark of Tandia Financial Credit Union Limited.

About Online Banking

24/7 access to your accounts

​Through online banking, you can

  • Check account balances
  • Transfer funds between accounts under your membership (future dated, immediate, recurring)
  • Transfer funds to another member's account (i.e. family member)* 
  • Transfer funds to or from your account at another Canadian financial institution (Me2Me Transfers)*
  • Setup and conduct Interac® e-Transfers
  • View and print your transaction history or statement information (e-statements)
  • Pay bills (current or post-dated)
  • Make loan payments
  • Search for specific account information
  • Place stop payments on cheques
  • Order cheques
  • View detailed RRSP/RRIF account information
  • Setup security Alerts via email or text message
  • View your Qtrade accounts with AccountPlus

Your Personal Access Code (PAC) and login authentication steps give you access to these 24/7 services and guarantees that your accounts and transactions are private and secure.  Please note that your PAC is different from your PIN and must be kept confidential - memorize it - as it is your 'virtual' signature and authorization for online transactions.

*Your signed authorization is required. To arrange, visit your branch or call our Member Solutions Centre at 1.800.598.2891.

Getting started

Using online banking is as easy as point and click.  To get started, obtain a PAC, log onto our website, click on 'login to online banking' and follow the online instructions to easy money management.

      For technical assistance

      For online banking technical assistance, please call our Member Solutions Centre at 1.800.598.2891 or Contact Us.

      Messages left after regular business hours will be followed up on the next business day.

      About Online banking

      Alert Notifications
      AccountPlus
      Interac Online
      New Online Banking

      Alert Notifications

      Safety on the Internet includes taking steps to ensure only authorized access and usage of your accounts online. When activated, online banking Alerts will notify you of certain online banking activities by email or text message or both, anytime, anywhere.

      The following Alerts are available:

      • Online LoginPersonal Access Code Changed
      • Online Banking Locked - Incorrect Response to Security Question
      • Bill Payee Added
      • INTERAC® e-Transfer Recipient Added

      We encourage you to activate all these Alerts. To do so, simply login to online banking, click on Messages and Alerts in the left menu and follow the quick and easy instructions.

      Alert Notifications - FAQs

      Learn more about Alert Notifications by reviewing these frequently asked questions:

      ​1. What are online banking Alerts?

      Alerts allow members to receive notifications about specific banking activities.  Alerts are set up and edited in online banking.  Currently five types of Alerts are available and we will add to the available Alerts as our technology allows.

      ​2. How does a member receive Alerts?

      Alerts can be received by both email and text message.

      ​3. Is there a charge for setting up or using Alerts?

      There are no setup charges and there is no charge to members for receiving Alerts by email.  However, when members receive text message Alerts, their wireless carrier may charge for receiving text messages.  Members are advised to check with their wireless carrier for details.

      ​4. Is any personally identifiable information contained in an Alert message?

      Personal or personally identifiable information is not transmitted in the Alert message.

      ​5. Can a member choose to stop receiving Alerts?

      Yes, within online banking members can edit and remove Alerts.

      ​6. Are members guaranteed to receive Alerts sent to them?

      Alerts cannot be guaranteed to be received because of the potential for an unstable wireless and Internet networks in general.  These networks are open to service interruptions and members may move out of service range, which can cause a delay in receiving text messages.  Members can check the Alerts sent to them on the 'Alerts History' page in online banking which lists all the Alerts sent within the last 30 days.

      AccountPlus

      A consolidated Online View of your Finances.

      Tandia is pleased to offer AccountPlus™ - an online banking feature that provides a consolidated view of your accounts. The AccountPlus feature brings you one step closer to complete financial management.

      With AccountPlus, in addition to your credit union accounts you can view other credit union financial partners’ accounts such as registered and non-registered investments. The current partners include NEI Investments, Qtrade Advisor, Qtrade Asset Management Inc. and Qtrade Investor.

      ​Benefits

      • See all of your accounts and investments in one consolidated view.
      • View your current balance, holdings and transaction details for each account.
      • You're in control - add only the accounts you want to view; remove accounts at any time.

      Getting Started

      Setting up AccountPlus is easy. All you need is online banking access to your account and current statements for each partner account you would like to link up. Once you have logged into online banking and selected the ‘Member Services’ tab, the ‘Manage AccountPlus’ screen will be accessible. You will be able to link each account in a matter of minutes. To ensure your privacy and security each account has to be linked separately within the ‘Manage AccountPlus’ feature. It’s that easy!

      ​Linking a Partner Account in Online Banking

      Getting started: 

      Before you begin, you will need your Ethical Funds® client ID, your Qtrade Asset Management client number, and/or your Qtrade Advisor investment number. These numbers can be located on copies of your statements.

      Step 1 – Login to online banking:

      • Select the ‘Member Services’ tab at the top of the online banking opening screen;
      • Select ‘Manage AccountPlus’ from the vertical menu on the left sidebar.

      Step 2 – Manage AccountPlus:

      • Select the link associated with the Qtrade partner name (as displayed on your statement). You will then be taken to a ‘Link Investment Account’ screen.

      Note:  Tandia partners with Qtrade to provide many investment services. Because these services are not provided directly by Tandia, you will need to set up the link to your accounts. In order for Tandia be in compliance with our Privacy Code, we cannot do it on your behalf.

      Step 3 – Link Investment Account: 

      • You are prompted to enter your client ID or Investor number in the field provided. Each ‘Link Investment Account’ screen has a linked image of a sample account statement to help guide you.

      Note:  you can only add investment accounts that are in your name - you cannot add accounts from other members to your online banking. This is in compliance with our Privacy Code. Also, your last name, postal code and date of birth will default in place. If any defaulted information does not match, you will not be able to link your account until the information is corrected.

      Step 4 – Account Link Successful:

      • An ‘Account Link Successful’ notification should be displayed on screen. Within the next 5 minutes, your Qtrade partner account(s) and investment account details will be linked and viewable back on the Account Summary screen (click on the ‘My Accounts’ tab at the top of the online banking screen and scroll down).

      ™ACCOUNTPLUS is a trademark owned by the Canadian Credit Union Association, used under license.

      Qtrade Advisor is a division of Credential Qtrade Securities Inc. ("CQSI"), member of the Canadian Investor Protection Fund.  Qtrade Asset Management Inc. ("QAM") is a member of the MFDA.  CQSI and QAM are separate legal entities from Tandia. Securities may fluctuate in value and are not insured by a government deposit insurer or guaranteed by Tandia.

      Interac Online

      A simple and secure way to pay online.

      Have you ever wanted to pay for an online purchase using your Tandia™ account rather than using a credit card? Now you can with Interac® Online. At home or on the go, with Interac Online, you have an alternative to sharing your credit card information with retailers when shopping online. This new payment method gives you the option to pay for online purchases directly from your credit union account. It’s the newest online payment method, and it’s fast, convenient, and secure.

      How Interac® Online works

      • Select Interac Online as your payment method in the online checkout. You will be directed to the secure Interac gateway page.
      • Select which province your credit union resides, and then select Tandia Financial Credit Union.  You will be directed to your secure personal online banking login page.
      • Log in to your account.
      • Select the account you wish to use and confirm the transaction.
      • Once confirmed, you are logged out of your credit union account and are redirected back to the retailer’s confirmation page.

      Benefits of using Interac® Online

      • It’s secure. No personal banking information is shared with the retailer or other third parties. The payment is completed through your secure banking session.
      • It’s convenient. There are no extra accounts to set up or passwords to remember.
      • It’s fast. The transaction takes place in just a few clicks using available funds in your credit union account.

      Visit interac.ca for a list of participating retailers.
      Talk to us today about how Interac Online can change the way you shop online

      Frequently asked questions

      Here are some frequently asked questions about Interac Online and the answers:

      ​1. What is Interac® Online?

      It’s a service that allows you to pay for online purchases from your credit union account. You can even pay your taxes with it.

      ​2. Are there any fees to use it?

      There are no additional fees. The cost is the same as your other debit card transactions. 

      ​3. How do I use it?

      ​When making a purchase online, the online checkout shows various options for payment. If Interac Online is available, it will be shown as a payment option. When you select Interac Online, you will be directed to the Interac® Gateway page where you will select your “Credit Union” from the financial institution options. After selecting ‘Tandia Financial Credit Union’, you will be directed to your online banking page to sign in. Once you’ve logged in, you may choose the account from which you wish to make the payment.

      ​4. Who accepts Interac® Online?

      Any participating online retail merchant. The Canada Revenue Agency (CRA) also accepts payments for taxes via Interac® Online. As well, some educational institutions accept Interac® Online for tuition payments. 

      ​5. Is my account debited immediately?

      Yes. Interac Online is just like using your debit card at the store; your account is debited as soon as the purchase is made.

      ​6. Can my payment be stopped?

      No, the payment cannot be stopped. If you find you have made a payment in error you will need to contact the online merchant and ask for a refund.

      ​7. Can I make payments in any currency?

      Payments can only be made in Canadian dollars.

      ​8. Is there a payment limit?

      The usual debit payment limit on your credit union account applies.

      ​9. How do I know whether my payment was completed successfully?

      You will receive a confirmation screen when the payment is authorized. You will also see your transaction confirmed when you return to the online retailer’s website.

      ®Interac is a registered trademark owned by Interac Inc., used under license.

      A warm welcome to MemberOne Branch members!

      The connection activities are now complete and you can now login to tandia.com online banking.

      Please note that your initial experience will be like logging in for the first time:

      To get started, you will need to use both your branch name (MemberOne - you will see it listed in a drop-down list of alll Tandia branches) and your member number. Your private access code (PAC) remains the same.

      Get ready for a new online banking experience

      Once you are fully logged in, you will be able to experience our recently enhanced Online Banking with Personal Financial Management. This new online banking experience allows you to bring all your accounts and financial information into one place and offers new budgeting and spending analysis tools to help you stay on top of your finances. You will be able to:

      • see your transactions automatically categorized and graphically displayed
      • create and manage budgets based on your spending habits
      • see all your accounts in one place by linking accounts you hold at other financial institutions.
      You can enjoy the same experience by downloading Tandia™ Mobile available at voth the App Store and the Google Play Store.

      Frequently Asked Questions

      We’ve anticipated the most common questions you may have about the new online banking experience and listed the answers below. Alternatively for assistance, please call the Member Solutions Centre (1.800.598.2891) during regular business hours or Contact Us.

      1. What has changed? 

      Our updated Online Banking with Personal Financial Management brings all your accounts and financial information into one place and offers new budgeting and spending tools to help you stay on top of your finances.  With Tandia’s online banking financial management tools you can:

      • See your transactions automatically categorized and graphically displayed in the account summary page
      • Change and/or exclude transaction categorizations from their spending analysis
      • Create and manage budgets based on your spending habits
      • See all your accounts in one place by linking accounts you hold at other financial institutions
      • Add assets and liabilities (e.g. car, home and other significant valuables) so you can see a more complete picture of your finances
      • Create account groups so that transaction history and spending analysis for related accounts can be viewed together
      • View your spending and budgets using mobile web and mobile app

      2. Is my banking and personal information safe?

      Keeping your financial information safe and secure is very important to us. Our online services offer you the best security currently available in a commercial environment so that your personal and financial information is protected. For more information, please review our online security guarantee.

      3. Is there any cost for this service? 

      No. This is a free service to help you track your spending and feel more confident about the financial decisions you make.

      4. Are my past transactions already categorized? 

      Yes. We’ve automatically categorized your past five months of transactions, and created a default budget based on those transactions, so you can start tracking your spending right away. You can also change the names of those categories and create sub-categories to suit your needs.

      5. How is this different from Mint.com? 

      Mint.com is not a financial institution. It is a third party software provider that acts as an aggregator of customers’ banking information. It does not allow users in Canada to perform any online banking activities, such as pay bills or transfer money. Our online banking platform offers easy-to-use tools to help you see your full financial picture, all within a banking website you know and trust.

      6. What if I don’t want to use the features? 

      You can minimize the view of the budget and spending features, which makes the format look similar to what you have used in the past. When you use the same device to log in to your online banking, your preference of hiding the interface will be remembered.

      7. Will I be able to link my banking information from accounts in another country?

      You can link your accounts from other participating financial institutions across Canada or the United States.

      8. Are the budgeting and spending tools included in mobile platforms? 

      Yes. Our Mobile Web and Mobile App includes the ability to view (not manage) spending, budgets and categories for accounts held with us and through other financial institutions.

      9. Why should I use your financial management tools? 

      There are a few great reasons why you will want to use our financial management tools:

      •  Your every financial transaction is in a place you already trust
      • Create budgets you can track and change as life happens
      • See your expenses by categories that make sense to you
      • Get the big picture of how you spend, save and live
      • Check your mobile device when you are on the go

      10. Will staff be able to see my banking information at other financial institutions? 

      No. Your privacy is our priority. Please see our online privacy & security policy to learn more about how we keep your information safe.

      11. Can I link my investment portfolios and credit cards?

      Yes. Note that for each account you link, you will be asked to consent before the link can be created.|

      12. I already linked my credit card, but now I am receiving an ‘Account Error’ message indicating ‘Re-Verification Required’. Is this going to happen every time I log in? 

      When linking to an external account, you may have been prompted for only some and not all of the security questions related to that account, so the first few times you log in you may see this error. Once you update your credentials as requested and all of your security questions have been cycled through, this should not happen again. This will also occur when you change the password for your external account; an error message will appear and you will be prompted to re-verify.

      13. Previously when reviewing Account Activity, in addition to my balance I could also view my limit, available funds and current rate under ‘more details’. These additional details do not show under ‘Account Details’ - where can I find them? 

      We are currently working to resolve this issue as quickly as possible to ensure that your limit, available funds and current rate are displayed in online banking.  In the meantime, we ask that you review your latest eStatement to reference this information. You may also contact our Member Solutions Centre at any time for this information.

      14. Can I link other Tandia accounts under a different Tandia membership number so I can see all of my Tandia accounts at a glance? 

      This feature is currently not available. Alternatively, you can add assets and liabililities held under separate memberships in the Assets and Liabilities section at the bottom of the Account Summary page.

      Online Banking Features

      Deposit Anywhere
      Interac e-Transfer
      Me2Me Transfers
      Tandia Banking App
      Mobile Web Banking
      Mobile Text Banking
      Secure Email

      Deposit Anywhere™

      With Deposit Anywhere™, you can quickly and securely deposit cheques with your smartphone or tablet, from anywhere, day or night.

      So whether you’re at coffee with friends, at work, or staying up late to get your banking done – any time is the right time to deposit cheques.

      Here’s how it works:

      1. Log in to Tandia™ Mobile on your smartphone or tablet and select the Deposit Anywhere icon.
      2. Select your account and enter the cheque amount.
      3. Snap a photo of the front and then the back of the cheque.
      4. Confirm the details and tap ‘submit’.  That’s it!


      Free, fast & secure.

      Deposit Anywhere is a free service and just as secure as depositing your cheque at a branch or ATM.  Plus, it’s fast.  Most people complete their deposit in less than a minute and can do it from anywhere and at any time.

      Deposit Anywhere is available only through Tandia™ Mobile.  Download our mobile banking app today:

      Google Play Store

      App Store


      ​Questions?

      Get answers to some frequently asked questions about Deposit Anywhere™:

      1. What is Deposit Anywhere™? 

      Deposit Anywhere™ is a feature on our mobile app that allows you to deposit cheques by taking a photo of them and submitting them to Tandia, anywhere, day or night.

      2. How do I get Deposit Anywhere? Expand/Collapse

      Deposit Anywhere is available with the Tandia Mobile app. Download the app today: 

      App StoreGoogle Play Store.

      3. How do I use Deposit Anywhere? 

      Depositing a cheque with Deposit Anywhere™ is easy.  First, sign/endorse the back of your cheque.  Then, open up our mobile app, tap the ‘deposit’ icon, select the account you’d like the funds to be deposited to, enter the amount, take a photo of the front and then the back of the cheque, confirm the details and tap ‘submit’.  The funds will be then be deposited securely into your account.


      4. Are there any fees for using Deposit Anywhere? 

      No, there are no fees to use this service.


      5. What types of cheques can I deposit? 

      You can deposit cheques payable in Canadian dollars and drawn at any Canadian financial institution.  Cheques must be payable to the account holder.


      6. How will I know if there is an issue with my deposit after I submit the cheque? 

      In the rare circumstance that there is an issue with the deposit after you receive confirmation during the deposit, you will be contacted by us.

      7. Do I have to mail in the cheques I deposit afterwards? 

      No.  Once you have submitted the cheques using Deposit Anywhere, you do not need to send your cheques to the branch.


      8. What if I accidentally try to re-deposit the same cheque? 

      The technology behind Deposit Anywhere will detect a duplicate cheque deposit and will not accept it.  To minimize the chance of this happening, we recommend that you make a note of the date deposited on the back of each cheque immediately after depositing.


      9. What should I do with my paper cheques afterwards? 

      The cheques should be destroyed after 90 days.

      10. What happens if I enter the wrong amount by mistake? 

      Sometimes mistakes happen.  But not to worry, we will double check all the information to ensure the right amount is deposited quickly and securely into your account.  If you do have any questions about the cheques your submit, call us or visit your branch.

      11. Can I use the funds right away? 

      Similar to deposits at an ATM or in the branch, standard holds on deposit items apply and funds will require three business days to clear.  Additional holds may be applicable; please call us or visit your branch for details.


      12. Is depositing cheques with a mobile phone safe? 

      Yes.  As a key feature of our mobile app, Deposit Anywhere meets the same high standards as our online banking service.

      DEPOSIT ANYWHERE™ is a trademark of Central 1 Credit Union, used under license.

      About Interac e-Transfer

      Interac e-Transfer® is a convenient way to exchange money quickly, easily and securely, whether you want to transfer just a few dollars or a few hundred dollars.  A transaction can be completed in as little as 30 minutes.


      Send Money

      You can Send Money to anyone with an email address or a mobile phone number and a Canadian deposit account. You do not need to know the recipient’s financial institution details or account information. Email and/or text message is utilized for fast notification to the recipient that a transfer has been sent.

      ​more details 

      • Send Money to anyone with an email address or mobile phone number and a Canadian deposit account.
      • Recipient can receive notifications by email address or by text message and receive money from a desktop or mobile device.
      • The maximum daily transfer-out amount is $3,000 (weekly and monthly limits also apply)
      • Interac e-Transfer Fee applies when a Send Money is sent -  see our Service Fee Bulletin for details. Special note: As of December 5, 2018, Send Money is fee-free for most personal chequing plans.

        Request Money

        Waiting on a payment from someone? With the Request Money feature, you can send a request for money and if accepted by the recipient, the requested funds will be automatically deposited into your account. Email and/or text message is utilized for fast notification from the requestor to the recipient that a request for payment has been made. 

        ​more details 

        • Request Money from anyone with an email address or mobile phone number and a Canadian deposit account.
        • The request recipient can fulfill the request from the email or text message they receive.
        • The maximum daily request amount is $3,000 (weekly and monthly limits also apply)
        • Interac e-Transfer fee applies when the request has been fulfilled - see our Service Fee Bulletin for details. Special note: Request Money is fee-free for most personal chequing plans.

          Autodeposit

          You can get your money even faster and potentially save yourself the extra step of answering the security question with Autodeposit. By registering your email address with Interac, all e-Transfers sent to that address will automatically be deposited into your chosen account.

          ​more details

          • Once Autodeposit is set up for your email address, all Interac e-Transfers sent to that address will automatically be deposited, as long as the sender’s financial institution also supports Autodeposit and the sender does not otherwise require you to answer a security question.
          • You will receive notification via email and/or text message when an Autodeposit has occurred.
          • Autodeposit is fee-free.

          Send Money Internationally

          Western Union® Money Transfers via Interac e-Transfer® allows you to send money internationally to 489,000 Western Union® Agent locations in over 200 countries where recipients can receive cash in the local currency.   As with a standard Interac e-Transfer®, you don't need to share financial information and it's accessible through online or mobile banking.


          ​more details 

          • 24/7 availability to send money internationally through online banking

          • Funds may be available for recipient pickup in approximately 30 minutes
          • Ability to track your transfer in online banking until it is delivered
          • The recipient must present valid identification and a Money Transfer Control Number provided by the sender
          • The minimum transfer-out amount is $10.00 and the maximum daily transfer amount is $999.99 (weekly and monthly limits also apply)
          • Western Union® Money Transfers via Interac e-Transfer®Fee applies, see our Service Fee Bulletin for details.

          ®INTERAC is a trademark owned by Interac Inc. and is used under license.*The WESTERN UNION name, logo and related trademarks and service marks are owned by Western Union Holdings, Inc. Used with permission.

          About Me2Me Transfers

          Members can transfer funds between Tandia accounts and accounts at other Canadian financial institutions. 


          Convenient and secure

          • Me2Me Transfers are a convenient way to transfer money, saving you trips between financial institutions or an alternative to writing yourself a cheque and the expense of a wire transfer.
          • Complete and return a one-time Me2Me Transfer Authorization form to set up Me2Me Transfers through online banking.
          •  Me2Me Transfers offer the same level of security and confidentiality as online banking transactions.

          Features

          • Me2Me Transfers are fee-free
          • Transfers are allowed between Canadian financial institutions only
          • Me2Me Transfers may take up to five business days to complete the clearing process
          • Money may be transferred between US dollar accounts, but both US accounts must be held at Canadian financial institutions; transfers may not be made between CDN dollar and US dollar accounts.
          • Me2Me Transfers are permitted for personal memberships only
          • Personal memberships requiring more than one signature for transactions may not use this service.
          • The per transaction/daily outgoing transfer limit is $10,000.  The per transaction/daily incoming transfer limit is also $10,000.  Weekly and monthly limits also apply; see below for details.
          • There are no additional fees for incoming or outgoing Me2Me Transfers (beyond the applicable account debit transaction fees, if any).
          7 Day Period Limit:
          Total Outgoing in 7 day period - $50,000; Total Incoming in 7 day period - $50,000.


          31 Day Period Limit:
          Total Outgoing in 31 day period - $100,000; Total Incoming in 31 day period - $100,000.

          Me2Me Transfer Authorization Form

          Learn more about Me2Me Transfers in the following Q & A's:

          Frequently Asked Questions

          1. What is a Me2Me Transfer? 

          A Me2Me Transfer lets you transfer funds to and from your accounts held at Tandia/DirecTCU and those held at other financial institutions.

          2. Who can use this service? 

          All members can use Me2Me Transfers except business accounts and personal accounts that require two or more signatures to perform transactions.  You will need access to online banking.  If you are not already signed up for online banking, contact your branch or call our Member Solutions Centre to get started.

          3. How do I use Me2Me Transfers?

          To get started, you need to complete and submit one simple Me2Me Transfer Authorization form available in online banking (under the Transfer Money tab - see Me2Me Transfers).  You will need the branch, institution and account number (i.e. as displayed in the MICR encoding on a personal cheque form) of the account you wish to transfer funds to or from to complete the form, as well as provide a void sample cheque for the other financial institution account.  A test transaction is required for setup and is explained on the authorization form.  Initial setup can take up to 5 business days.

          4. What does it cost to use this service? 

          There are no additional fees for incoming or outgoing Me2Me Transfers beyond the applicable account debit transaction fees.  You may want to check with your other financial institution(s) regarding applicable fees before linking your accounts for Me2Me Transfers.

          5. Is there a limit on how much I can transfer?

          The per transaction/daily outgoing transfer limit is $10,000.  The per transaction/daily incoming transfer limit is also $10,000.  Weekly and monthly limits also apply.

          6. Are there any holds on my money when transferring? 

          All incoming Me to Me Transfers can be held up to five business days.

          7. Can I transfer US dollars?

          You can transfer between US accounts but both US accounts must be at Canadian financial institutions.  You cannot transfer CDN dollars to a US account.

          About Mobile Banking

          We've got you covered

          Whether you have a basic feature phone that supports text messaging or a smart phone or tablet with data or wifi, you can stay connected to your finances on-the-go with a complete suite of Mobile Banking options.

          • Tandia™ Mobile with Deposit Anywhere™ 
          • Mobile Web Banking 
          • Mobile Text Banking 

          To use any of our Mobile Banking options, your mobile device must support web browsing or text messaging. Rates and accessibility will depend on your device and your carrier. Please check with your specific carrier for more information on rates for these features.

          Introducing Tandia™ Mobile

          Tandia™ is proud to provide a mobile app with market-leading functionality called Tandia™ Mobile, available at both the App Store for Apple mobile devices (iPad, iPhone or iPod touch) and the Google Play Store for Android mobile devices.

          The app is free and immediately accessible to members who have access to online banking – the login credentials are exactly the same.


          Tandia™ Mobile Highlights

           With Tandia Mobile’s fast and easy navigation, you can do all the everyday banking activities you’d expect like:

          • Review account details and transaction history
          • Pay bills and transfer money including Interac® e-Transfer 
          • Check Rates, find Branch and ATM locations and access handy financial Calculators.

          In addition, with the app’s handy QuickView feature enabled, you can check your account balances anytime and conveniently at a glance without having to log in!  A single tap of the screen will keep you in the know.

          And quite possibly best of all, you can now conveniently deposit cheques using your mobile device with the NEW Deposit Anywhere™ feature available only with Tandia Mobile.


          read more

          Mobile App Demo Video


          Privacy and Security

          It’s our priority to keep your information safe, which is why our mobile app uses the same level of high security as our full online banking website.  For more information, review our Internet Security page.


          Get Tandia™ Mobile Today

          It’s easy to get started on your Apple or Android mobile device – simply download Tandia Mobile from the App Store or Google Play Store.  Once downloaded, simply use the same login that you use for online banking and you are on your way.


          Questions?

          Get the answers to some frequently asked questions about Tandia Mobile:


          1. What is a mobile app? 

          A mobile application (mobile app) is software that can be downloaded from an online app store and installed onto a compatible mobile device.  Mobile apps offer diverse functions and activities ranging from games and social networking, to business, e-commerce and financial applications.

          Tandia™ Mobile is a mobile banking application available for both Android and Apple (iPhone, iPad, iPod Touch) devices and offers the most sought-after features of mobile banking apps including QuickView and Deposit Anywhere™.


          2. Do I have to pay anything? 

          Absolutely not.  Tandia Mobile is free for our members to download, and you will never be charged for using the app.  However, since the mobile app uses data, your carrier may charge, so standard data and messaging rates may apply.

          3. How do I download the mobile app? 

          Tandia Mobile can be downloaded in just three easy steps:

          For Apple devices:
          • Using your iPhone, iPad or iPod Touch, search for Tandia™ Mobile in the App Store
          • elect the app icon,and verify that the author of the app is Tandia
          • Tap the icon marked "Free," then tap again when it changes to "Install"

          For Android devices:
          • Using your Android device, search for Tandia™ Mobile in the Google Play Store
          • Select the app icon, and verify that the author of the app is Tandia
          • Tap the icon marked "Install" then tap “Accept” in the next screen

          4. What is QuickView? 

          The unique QuickView feature displays the balances of your selected accounts at any time the app is open, without needing to login first.

          5. Does the QuickView feature automatically display my balances? 

          When you first download the app, for your convenience the default setting of the QuickView feature is "On". You can turn the QuickView feature ‘off’ under Settings / Preferences on the mobile app.

          6. Will the mobile app work if I have a shared or joint account? 

          Yes. Just enter your account details as you normally would for online banking.

          7. If my phone is lost or stolen, will my information be at risk? 

          Your account can only be accessed by entering your personal access code. However, if you've activated the QuickView feature, your account balances will be visible. For additional security, we recommend you keep your mobile device password protected. Please note: at any time, you can stop the mobile app from accessing your account information by un-pairing it through regular online banking.

          As a rule, you should contact your mobile carrier right away to deactivate your device if it’s lost or stolen.  You may also change your personal access code (PAC) by contacting us or calling our Member Solutions Centre at 1.800.598.2891.

          8. How do I remove the app from my mobile device? 

          Removing the app is as easy as tapping and holding your finger down on the Tandia™ Mobile icon, then tapping the "X" in the top right corner.

          9. Will there be a BlackBerry® version of the mobile app?

          The short answer is, unfortunately no.  We will continue to provide mobile web banking that is currently accessible by all mobile/smart devices including BlackBerry devices: https://www.tandia.com/m.

          We have voiced on behalf of members, the periodic requests for a BlackBerry app from our members. Our online services partner, Central 1 Credit Union, is unable to cost-effectively develop a BlackBerry app for the credit union system at this time.

          10. Can I install the Android version of Tandia Mobile on my BlackBerry device? 

          While we are aware that this may be possible, Tandia is not currently able to offer support or endorsement for the installation of Tandia Mobile on BlackBerry devices.  If members choose to install the Android app on their BlackBerry device, they do so at their own risk.

          ™App Store is a trademark of Apple Inc.
          ®iPad, iPhone and iPod touch are registered trademarks of Apple Inc.
          ™Android and Google Play are trademarks of Google Inc.
          ®BlackBerry is the registered trademark of BlackBerry Limited, the exclusive rights to which are expressly reserved. Tandia Financial Credit Union Limited is not affiliated with, endorsed, sponsored, or otherwise authorized by BlackBerry Limited.
          ™DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union, used under license.
          ®INTERAC is a Trademark owned by Interac® Inc. and is used under license.

          Mobile Web Banking

          Mobile Web Banking provides a feature-rich mobile banking website designed specifically for the web browser of a smartphone or other mobile device, like a tablet or iPad.  It delivers the same high level of security and functionality as our desktop/laptop Online Banking and has optimized it for smaller screens.  Members can easily access account activity and perform transactions without the need to pinch, scroll or zoom.

          With Mobile Web Banking, you can:

          • View account balances and account history
          • Pay bills (immediate and scheduled)
          • Transfer funds (immediate and scheduled)
          • Make mobile person-to-person payments through INTERAC® e-Transfer
          • Find a branch or ATM nearby
          • Use the memorized accounts feature of Online Banking
          • View current rates
          • Access calculators
          • Contact us securely


          Safe and Secure

          Mobile Web Banking has you covered with the same log in and password protection as Online Banking.


          Easy to Access

          Mobile Web Banking works with any and all smart mobile devices and there’s no application installation or download required.  To access, simple visit www.tandia.com/m using your mobile web browser.


          ​Mobile Web Banking FAQ

          1. How is Mobile Web Banking different from online banking? 

          Mobile Web Banking offers online banking functionality that is optimized for the small screen size of a mobile phone. It does not require downloading or installing any application and is designed specifically for use with mobile phones with desktop-class web browsers.

          2. Is my personal information as secure in Mobile Web Banking as in online banking? 

          Yes, your personal information is just as secure in Mobile Web Banking as in online banking.  The login credentials including your password are protected.

          3. What does it cost to use Mobile Web Banking? 

          Since Mobile Web Banking uses data, your mobile carrier will charge you data rates for using Mobile Web Banking. Check applicable charges for mobile web browsing carefully with your carrier. If you use Mobile Web Banking on a free Wi-Fi connection, then you will not be charged data rates.

          4. What if I lose or misplace my mobile phone? 

          If you lose your phone, your accounts can only be accessed if someone has the correct login credentials. If your login credentials have been compromised, please contact Tandia immediately.

          5. Will Mobile Web Banking work outside of Canada? 

          Mobile web banking for smart phones will work in any country where your mobile carrier's data plan will work. However, while Mobile Web Banking is a free service from Tandia, your mobile carrier will likely charge for accessing data while roaming. We recommend that you check with your mobile carrier before using Mobile Web Banking on your smart phone outside of Canada.

          6. How is Mobile Web Banking different from a downloadable application (app) from the Apple iTunes App Store or Blackberry App World? 

          Mobile Web Banking does not require any software to be downloaded to your smart phone. Mobile Web Banking is functional on any smart phone with a desktop-class browser and is not limited to one type of phone, allowing us to provide Mobile Web Banking to a broader range of smart phones.

          Questions?

          Contact our Member Solutions Centre at 1.800.598.2891 during regular business hours, or Contact Us 

          Mobile Text Banking

          Don't have a smart phone? We have a text-message Mobile Banking solution for you too! With a text plan for your mobile plan, you can:

          • View your account balance(s)
          • View your recent transaction history
          • Add, remove or edit a cell phone
          • Add, remove or edit the accounts you view through Mobile Banking

          To get started, simply login to Online Banking, click on the Member Services tab and then select Mobile Banking from the menu. It'll only take a few minutes.


          ​Mobile Text Banking FAQ

          1. What is Mobile Text banking? 

          Mobile Text Banking is the ability to do your banking on the fly using a mobile feature phone. Whether you’re shopping at the mall, hanging out at a friend’s place, or eating at your favorite restaurant, with Mobile Text Banking you have access to balances and transaction history right at your fingertips. Just register your phone first through Online Banking and you can start Mobile Text Banking today!


          2. Will Mobile Text Banking work on my basic phone?

          It will work on most feature phones that are less than 5 years old and support text messaging. However, if you are experiencing problems, please check with your carrier (e.g. TELUS, Rogers) for details on fees, accessibility, and delivery time.

          3. What can I do using Mobile Text Banking?

          You can see the account balance and recent transaction history of any account you set up. Just register your cell phone through Online Banking and you’ll be set to go.


          4. What does it cost to use Mobile Banking? 

          There is no cost to use Mobile Banking. Please check with your mobile carrier for information on any charges for sending and receiving text messages that are applicable to you.

          5. I want to sign up now. How do I get started? 

          Getting started is easy. Registering is simple if you have a cell phone that supports text messaging and online banking access to your account(s) with Tandia:

          1. Log in to Online Banking (click on the Member Services tab at the top and then select Mobile Banking from the menu)
          2. Register your cell phone.
          3. Select your accounts and confirm your Passcode.

          Don’t have access to Online Banking? Just visit your branch or call our Member Solutions Centre  1.800.598.2891 for assistance.


          6. Is my personal information as secure in Mobile Banking as Online Banking?

          Yes, your personal information is as secure in Mobile Banking as Online Banking.

          7. What if I misplace my mobile phone or if it is lost or stolen? 

          If you have temporarily misplaced your mobile phone (e.g. you left it at work), you can disable Mobile Banking by visiting the Preferences page in Online Banking. Once you locate your phone, simply go online and enable the feature again.

          If you have lost your mobile phone or if it was stolen, please follow your mobile carrier’s recommended procedures for this scenario and contact your mobile carrier immediately. You can delete your phone completely from Mobile Banking by visiting the Preferences page within Online Banking.


          8. Will Mobile Text Banking work outside of Canada? 

          This service is designed to work on mobile phones from a Canadian mobile carrier on a Canadian mobile network. However, if your Canadian mobile carrier has a roaming agreement with a foreign carrier, you can expect Mobile Banking to work.

          9. I have never used text messaging on my mobile phone before. How do I send a text message? 

          Please refer to you owner’s manual for your mobile phone on how to send a text message or contact your carrier for assistance.

          10. I have changed carriers and/or have changed phone numbers. Will Mobile Banking work? 

          As a security precaution, Mobile Banking is set to Disabled status. Please send a text keyword command and you will receive instructions that will guide you on how to enable your cell phone.

          11. I have changed my password in Online Banking. Do I have to change anything in Mobile Banking? 

          You will have to login to Mobile Banking after you’ve changed your password so that the two systems can synchronize your passwords. You don’t have to change anything -- just login and log back out. One simple step!

          Questions?

          Contact our Member Solutions Centre at 1.800.598.2891 during regular business hours, or Contact Us 

          About Secure Email

          A more secure way to communicate with us.

          Tandia's Secure Email uses encryption which is a cyber-secure method of transmitting information so only the intended recipient can read the contents of an email. This helps to ensure the confidentiality of the email and protects information from being stolen or accidentally accessed by unintended recipients.

          When you Contact Us through our website, the information you share with us is transmitted securely. When we respond to you or at any time need to share information with you that is deemed as “private” and/or “confidential” because it contains personal information about you and your accounts with Tandia, you will now receive the information via Secure Email.

          It's easy to use.

          In order to view a Secure Email from us, a one-time registration process will be required. Simply set up a password as requested when you receive your first encrypted message, and you can easily receive emails, reply securely and add attachments to these emails.


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