Vanguard Credit Union MEMBER CARD® debit card provides you with easy access to your funds 24 hours a day, 7 days a week from Automated Teller Machines (ATM) that display the Interac, Cirrus, or Maestro symbols. Your MEMBER CARD® debit card allows you to pay for goods and services without using cash at any retail location displaying the Interac Direct Payment sign. The debit to your account is approved by entering your Personal Identification Number (PIN) and is confirmed immediately. This way your transactions are safe, accurate, and instantaneous.
IMPORTANT: Memorize your Personal Identification Number (PIN). DO NOT carry this number with you and do not give this number out.


  • Withdrawal limit of $410.00 CDN per day from ATM machines that display Interac, Cirrus, or Maestro
  • Point of Sale (POS) limit of $3500.00 CDN per day
  • MEMBER CARD® debit card available at no cost
  • Debit card payment is accurate and convenient
  • Funds are immediately debited from your account
  • All Vanguard Credit Union MEMBER CARD® debit cards carry Buyer Protection and Extended Warranty Coverage at no additional cost
  • Ding free at over 1800 participating Credit Union ATM’s from British Columbia to Newfoundland

Upon renewal of your current MEMBER CARD® debit card you will receive our new Interac Flash Technology; MEMBER CARD® tap card.

Additional Security Features for MEMBER CARD® Tap Card:

  • Small purchases of $100 or less per transaction
  • Daily spending limit of $200
  • PIN verifications is required once daily spending maximum is reached
  • Radio frequency enabled smartcard technology which protects your wallet from being scanned
  • Card must be held 4cm from POS terminal
  • Each transaction is unique and cannot be copied

This way your transactions are safe, accurate, and instantaneous.

Buyer Protection

This coverage offers protection on the purchase of most retail items – and that includes gifts! For a full 120 days after the purchase, the item is protected if it’s stolen, dropped and broken or even consumed in a fire. Valid claims will be satisfied either by replacing the lost or damaged item, or by a cash payment in an amount not to exceed the amount of the total purchase price. Be sure to keep a copy of your transaction record, and merchant bill.  These will be needed when making a claim.

Extended Warranty

Extended warranty doubles the warranty period of a purchased item up to two years, as long as the manufacturer’s warranty is valid in Canada for five years or less. For example, when you purchase a laptop computer, the manufacturer would typically offer a one-year warranty. But if you use your MEMBER CARD® Debit Card for the purchase, the laptop would be protected under the terms of the original warranty and the warranty would be doubled and valid for an additional one year period. Be sure to keep a copy of your transaction record, merchant bill and the manufacturers warranty.  These will be needed when making a claim.

For more information on Buyer Protection/Extended Warranty please visit a branch, call us toll-free at 1-877-226-7957, or send an email to To make a claim please call 1-800-263-9120 and a Claims Representative will assist you.


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Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

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