Ways to Bank
We're here to help. Whether it's online, using your mobile device, at a bank machine or at a branch we've got the answers you need.
We're here to help. Whether it's online, using your mobile device, at a bank machine or at a branch we've got the answers you need.
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.
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.
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.
Automated telephone banking is accessible 24/7 by pressing 3. For more information about telephone banking, click here.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
No, the limits are set by Interac® and cannot be altered.
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.
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.
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.
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.
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:
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.
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.
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.
Contact our Member Solutions Centre at 1.800.598.2891 during regular business hours, or Contact Us
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.
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.
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.
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.
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:
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.
Learn more about Alert Notifications by reviewing these frequently asked questions:
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.
Alerts can be received by both email and text message.
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.
Personal or personally identifiable information is not transmitted in the Alert message.
Yes, within online banking members can edit and remove Alerts.
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.
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.
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!
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.
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.
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.
™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.
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.
Visit interac.ca for a list of participating retailers.
Talk to us today about how Interac Online can change the way you shop online
Here are some frequently asked questions about Interac Online and the answers:
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.
There are no additional fees. The cost is the same as your other debit card transactions.
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.
Yes. Interac Online is just like using your debit card at the store; your account is debited as soon as the purchase is made.
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.
Payments can only be made in Canadian dollars.
The usual debit payment limit on your credit union account applies.
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.
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.
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!
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:
Get answers to some frequently asked questions about Deposit Anywhere™:
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.
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.
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.
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.
Members can transfer funds between Tandia accounts and accounts at other Canadian financial institutions.
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.
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.
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.
With Tandia Mobile’s fast and easy navigation, you can do all the everyday banking activities you’d expect like:
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.
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.
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.
Get the answers to some frequently asked questions about Tandia Mobile:
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™.
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
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.
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.
™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 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:
Mobile Web Banking has you covered with the same log in and password protection as Online Banking.
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.
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:
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.
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.
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:
Don’t have access to Online Banking? Just visit your branch or call our Member Solutions Centre 1.800.598.2891 for assistance.
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.
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.
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.