Simple, convenient, indispensable—your purchases at your fingertips to make daily life easier!
To order your debit card:
1-888-359-1357
At a branch
A card that makes everything possible!
Eligibility- Any person 19 years of age or older
- A person under age 19 may be eligible with a parent or a guardian's signature
- Withdraw, deposit, make bill payments and other transactions at ATMs
- Pay for retail goods and services
- Shop online
- Make contactless payments with the Interac Flash®1 option
- Make ATM withdrawals and pay for purchases internationally at merchants who accept Mastercard
- Use Acculink ATMs with no extra charges
Security and Fraud
Protecting your debit card and PINYou must choose a 4-digit PIN for your debit card. The debit card number and PIN must remain secret, confidential and personal.
It should be noted that when your PIN is used with your debit card, it proves that you have authorized the transaction or other activity, and that you are responsible for it.
You are responsible for the use and security of your debit card and PIN.
Confirm a suspicious transaction by text message (SMS) | NEW
UNI sends text message alerts to increase the security of your Personal debit card. When our system detects an unusual or suspicious expense, the transaction will be immediately declined, and the card will be blocked as a precaution. The cardholder will then receive a text message alert solely to confirm if they initiated the transaction. Our alerts are sent from this number: 1-418-579-2604.
How Do I Reply to the text message?
Sample Message:
1 (418) 579-2604: “UNI declined a suspicious transaction of $125.00 at Merchant ABC on card ending 1234. Was this you? Reply Y or N.”
- Replying “Y” for YES indicates that you initiated the transaction and that it is not fraud
- Replying “N” for NO indicates that you don’t recognize that transaction.
Good to know: You have 30 minutes to respond. If no response is received, your debit card will remain blocked as a security measure. UNI will never ask for your PIN, password, or any other confidential information. Make sure the cell phone number on your file is up to date to take advantage of this service.
Questions about our SMS Fraud Alert Service?
FREQUENTLY ASKED QUESTIONS | SMS Fraud Alert Service :
1. Is the service available at all times?
Yes. The service is available 24 hours a day, 7 days a week.
Alerts may be sent at any time, depending on card activity.
2. Is the system case-sensitive in SMS responses?
No. The system does not consider the case (Y, y, Yes, YES are all acceptable answers).
3. Will I be alerted when the 30-minute response time is up?
No. You will not receive a text message to alert you when the response time has expired. Make sure to respond within 30 minutes of receiving the alert, as any response sent after that time will not be considered.
4. Can I unsubscribe from this service?
Yes. You can unsubscribe at any time by replying STOP to the text message. However, we recommend keeping this service active to benefit from additional fraud protection.
5. Can I reregister after unsubscribing?
Yes. You can reregister for the service by calling the Client Contact Centre at 1-888-359-1357.
6. What happens if I do not have a cell phone?
When our system detects an unusual transaction on your Personal debit card, the transaction will be declined, and your card will automatically be blocked.
7. How can I update my cell phone number in my file?
To update your cell phone number:
- Call the Client Contact Centre;
- Visit one of our branches; or
- Update it yourself in the settings section of the My Profile app.
Updates will be reflected by approximately 3:00 p.m. on the next business day.
The 3D Secure process is a security authentication that uses a one-time password sent by text message or e-mail, depending on the user's preference, when making an online purchase with a debit card.
- Notify UNI immediately if you realize that your debit card or mobile device used in connection with the mobile payment service has been lost or stolen, or that your PIN has been compromised, made available to another person, or is known to another person.
- Promptly report to UNI any issues related to a debit card transaction or any unauthorized debit card transaction, other than an issue related to goods or services provided by merchants, so that UNI can investigate and respond to the issue in a timely manner. You will provide UNI with any additional information, statements or affidavits and assist UNI in any investigation related to a lost, stolen or misused debit card, ID, access code or PIN.
- Verify that all debit card transactions have been made by regularly reviewing your activity and account statements.
Lost or stolen debit card
1/ Block your card immediately to secure your accountAs a precautionary measure, the first thing to do is to block your card. You can do this directly in My Profile. How do I do this? See our tutorial.
2/ Report the loss or theft and request a replacementOnce your card has been blocked, contact us to let us know and order a new card.
Legal terms and privacy policy
Applicable fees
You can find out the fees for debit card transactions by checking www.uni.ca/fees, asking at a branch or by calling our Client Contact Centre at 1-888-359-1357.
UNI may revoke, restrict, limit, suspend or terminate your use of the debit card or may, at any time and without prior notice (except as required by law), terminate this agreement, either temporarily or permanently, along with your right to use the debit card if, among other causes, any part of this agreement is contravened or if UNI is required to do so by law or suspects that your debit card is being used by someone other than you or been, or may be, used to commit fraud. UNI may terminate this agreement at any time upon written notice. UNI is not liable for losses resulting from the termination of the agreement.
Cardholder rights and obligations
As a debit card holder, you have certain rights and obligations. Here are some examples:
- UNI provides regular statements that cover every transaction made on your debit card since your previous statement.
- Once you have notified UNI that your debit card or mobile device used for mobile payment has been lost or stolen or that your PIN or access code is known to another person, you are not responsible for any subsequent transactions on your debit card or mobile payment service.
- You are not responsible for any loss resulting from the unauthorized use of your debit card or device if you have been the victim of coercion, deceit, fraud, violence, intimidation or theft provided that you notify UNI of the loss, theft or misuse of the debit card or disclosure of your PIN or access code as soon as you are aware of it and cooperate fully with any subsequent investigation.
Limits at time of activation
WARNING: please check the limits on your debit card as the limits below may not apply.
Default limits will be set on your debit card, with the lowest limit being applied. Transactions above a total of $3,000 (CAD equivalent) per day will not be authorized.
**$400 is a cumulative limit which can be spread over several days. Once the limit is reached, the cardholder must enter their PIN to reset it. This is for the cardholder's protection if their debit card is stolen.
The limits are lower for clients under the age of 16.
For more information on the complaints procedure, see www.uni.ca/complaints.