Introducing Interac Flash® Debit Cards - Frequently Asked Questions

Published: November 29, 2016

What is Interac Flash® and how does it work?

Interac Flash® is a contactless payment enhancement to your Crosstown Civic Credit Union debit card. It’s a safe and easy way to pay for small everyday purchases by just tapping or holding your card on a reader that supports Interac Flash®. There is no need to insert your card or enter your Personal Identification Number (PIN) – simply tap and go.

Do I have to use the Interac Flash® technology?

You do not need to use the Flash technology if you choose not to. When making a purchase simply insert your card into the point-of-sale terminal and enter your PIN to complete the transaction.

Is it secure?

Yes, Interac Flash® uses secure chip processing technology to protect against fraudulent activity including skimming, counterfeiting and electronic pick-pocketing. Each transaction is unique and encrypted and therefore cannot be copied. No personal information is ever sent with a transaction, only an encrypted payment code required to complete your payment. Plus, Interac® Zero Liability protects you if your card is ever lost or stolen.

Can someone use a transmitter to electronically pick-pocket my personal financial information from my wallet or purse?

No, this is not possible. Interac Flash® leverages EMV-based secure chip processing instead of magnetic strip data type processing, which protects Interac Flash against skimming, counterfeiting, and transaction replay types of fraud, including electronic pick-pocketing.

Does ® Flash use RFID technology?

No Interac Flash uses RF enabled smartcard technology, which is specifically designed to protect sensitive information.

How can I protect myself from fraudulent activity?

There are a number of steps you can take to protect yourself. They are:

- Protect your PIN – When conducting transactions at an ATM or point-of-sale terminal always shield your PIN with your hand or body so others aren’t able to see. Never disclose your PIN to anyone, including friends or family, and never store it with your debit card.

- Always keep your debit card in sight – Always keep your debit card in sight when conducting a transaction at a point-of-sale terminal.

- Report a lost card – Notify your branch immediately if your debit card is lost or stolen to minimize any unauthorized transactions.

- Check your statements – Regularly check your statements or account activity to verify all transactions. If entries do not accurately reflect your account activities you should contact Crosstown Civic Credit Union.

How do I activate Interac Flash®?

In order to use Interac Flash® you first need to complete one transaction at an ATM or point-of-sale (POS) terminal using the chip and entering your PIN. After that, your card is ready to use at any flash enabled terminal.

How do I use Interac Flash to make a purchase?

To use Interac Flash at the time of purchase, simply tap or hold your CCCU debit card up to the card reader. When you hear a beep or see an approved message on the terminal, your transaction is complete.

Are there any limits on the Interac Flash® transactions?

Individual limits may have been set by some merchants and Interac has set a $100 per transaction limit. If your transaction is above this limit simply insert your card and enter your PIN.

As an added layer of protection, Interac has set a cumulative spend limit of $200. This is the sum of all tap transactions made with your card since the last time you entered your PIN. When the limit is reached, you will be asked to insert your card and enter your PIN. This will reset your cumulative spend limit so you can continue to use Interac Flash.

Can I unintentionally pay for something if I’m too close to a terminal?

No, your card needs to be less than four centimeters away from a terminal and positioned at a particular angle.

Which account will my Interac Flash transactions be debited from?

Interac Flash® transactions will be debited from your primary account, usually the chequing account, or if no chequing account then a savings account will be debited.

Is there a cash back option when I use Interac Flash?

No, there is no cash back option available when using Interac Flash®. You must insert your card and enter your PIN for cash back.

Are there extra service fees to use Interac Flash?

No, these transactions are processed the same as regular debit transactions to your account.

How can I track my Interac Flash transactions? Will I get a receipt?

You will get a receipt from merchants for your Interac Flash® transactions, just like any other debit transaction. Your Interac Flash® transactions will also be itemized on your account statement and online banking.

Do I need to activate the Interac Flash® feature on my card?

Yes the contactless feature will be activated once you complete an initial chip inserted transaction and use your PIN. This ensures you are the authorized card holder.

When will I receive my new Interac Flash® debit card?

If you are already a debit card holder, you don’t have to do anything to receive a new Interac Flash® debit card. We will send one to you automatically, close to the expiry date of your existing debit card.

My debit card doesn’t expire for quite a while. Can I get a card with Interac Flash® now?

Yes, just visit a Crosstown Civic Credit Union branch and we will issue you a new Interac Flash® card on the spot!

How do I change my PIN?

If you would like to change the PIN on your debit card and know your existing PIN, you can change it at any credit union ATM that displays the ACCULINK® symbol. You can also visit any Crosstown Civic Credit Union branch for assistance.

For further information please visit Interac® Zero Liability.

Jascha Boge

Jascha is a P. Eng., and graduated from the University of Manitoba with a B. Sc. degree in Civil Engineering. He is a member of the Association of Professional Engineers and Geoscientists of Manitoba. Jascha’s principal occupation is Secretary-Treasurer of Langreen (2005) Ltd., a construction company that builds commercial and industrial projects in Manitoba and North West Ontario. He serves Crosstown Civic Credit Union as Chair of the Board of Directors and sits on the Executive and Governance, as well as the Loan Committee. Jascha also serves the community at large as a member of the Executive Committee of Rainbow Stage, Winnipeg’s well-known musical theatre company. Jascha and his wife, Hildi enjoy spending family time with their 6 children and 14 grandchildren.

Henry Dyck

Henry an active member on the Crosstown Civic Board of Directors is currently on the Executive, Branching and Loans Committees. He has been deeply involved in the strategic planning and development of new Crosstown Civic branch offices. Henry has had a long service career with the City of Winnipeg as a Senior Manager in the Planning, Property and Development Department as well as a consultant in areas of Legal Land Surveying, Property and Land Development and Real Estate. Henry is a Professional Land Surveyor and has served as president of the Association of Manitoba Land Surveyors. He has served on various community and service organization boards including chair of the Westgate Mennonite Collegiate. Ensuring the continued success for the Crosstown Civic is Henry’s goal.

Catherine Burns

Catherine has served on the Board of Crosstown Civic Credit Union for 5 years. She Chairs the Audit and Risk Committee and actively participates in the Performance Review and Board Evaluation Committee. During the first two years of her term Catherine successfully completed the Credit Union Director Achievement Program and served on the Nominations Committee. She is currently enrolled in the Rotman School of Management, ICD Director’s Education Program.

Catherine is a Chartered Accountant with 30 years of experience in consulting, finance and administrative leadership positions. Her industry experience includes insurance, post-secondary education, telecommunications, health care, retail and publishing in private, public and non-profit organizations.

Catherine holds a Senior Leadership position with Diagnostic Services Manitoba. In her current role, she oversees the financial performance of 77 diagnostic sites throughout Manitoba and serves on the Enterprise Risk Management Committee.

Alan J. Janzen
Vice Chair

Alan is currently "self-deployed" after a career in education which involved teaching at all levels of public school and culminated in 23 years with Manitoba Education's Curriculum Branch as a consultant, assistant director and director. He has also been a long standing credit union board member, having served 12 years as Board Chair (president) of Crosstown Credit Union, and subsequently has been active in every aspect of committee work with Crosstown Civic Credit Union. He is currently Board Vice-Chair and Chair of the Performance Review Committee. Alan holds B.A., B.Ed., and M.Ed. degrees from the University of Manitoba. Alan enjoys spending quality time with his family, is active in his church community, and enjoys choral singing and volunteering with The MCC.

Ellie Krahn

Ellie became a member of the credit union in 1971 and joined the Board in 2000. She has served in many capacities including the Personal Committee, President of the Safeway Credit Union Board from 2003 until amalgamation with Civic, as Vice President of Civic Credit Union from the Civic/Safeway amalgamation to the Crosstown Civic amalgamation. With Crosstown Civic she has served on the Executive, Loans, Nominating, and Building Committee's. She has completed the required Credit Union Director Achievement Program as well as many optional training modules.

Randy Schartner

Randy has founded/co-founded four entrepreneurial start-ups over the past 15 years. The most successful one was purchased by, a public, multi-national company. He is currently the President of Priceline Partner Network and oversees its Winnipeg office and manages key accounts for the company, which has seen tremendous growth over the past six years. Randy is also a Real Estate and Development entrepreneur.

Don Enns

Don has been a member of our credit union for more than thirty five years. Don possesses a Master of Business Administration (MBA) degree, a Post Baccalaureate Diploma in Management, and an Honours Certificate in Project Management. Don has also completed extensive course work in organizational behavior, strategic planning, financial management, and ethical decision making. Don is a District Chief with the Winnipeg Fire Department and an instructor for both Dalhousie University and the Justice Institute of British Columbia, facilitating fire service based administrative course delivery to students across Canada while utilizing an online platform.

John Zacharias

John is a Chartered Professional Accountant and has been in private practice since 1978. During those years, he worked with many businesses in manufacturing, construction, retail and service industries assisting them with their accounting, financial and tax planning needs. He also served on various boards including the Society of Management Accountants of Manitoba, Westgate Mennonite Collegiate and treasurer of the North Kildonan Mennonite Church. John and his wife Helen have been members of Crosstown Civic Credit Union for more than forty-five years.

Ingrid Loewen

Ingrid is a Chartered Accountant (1986) with a Bachelor of Commerce, Honours Degree (1983) from the University of Manitoba. For 25 years she worked for one of Manitoba’s largest crown corporations in leadership positions including the Chief Audit Executive and Chief Financial and Strategy Officer with a wide range of responsibilities including governance, strategy, finance, internal audit, privacy, social responsibility, and communications. Ingrid has extensive experience with board governance as an executive responsible for board processes and a board/committee member for various professional associations, not-for-profit organizations and Church Council.

Mona Forsen

Chief Executive Officer

Prior to joining Crosstown Civic, Mona held executive leadership roles within the Manitoba credit union system, and a variety of management roles with a major Canadian bank. She holds a Master of Business Administration and Bachelor of Commerce (Honours) degree from the University of Manitoba. As Chief Executive Officer, Mona believes that Crosstown Civic is all about helping our members achieve their financial goals and that this is only accomplished by caring about and investing in CCCU employees, members and the local communities we serve. Mona and her husband Ward enjoy traveling and participating in many sporting activities.

Bernice McClintock

Chief Operating Officer

Bernice has worked within the credit union system in various leadership roles for over 20 years. She is passionate about optimizing our members’ experiences within our credit union. She holds her Certificate in Management (Honours) and a Professional Management designation, and has been recognized as a leader in her field. Bernice is actively involved in the community, and has served on the board of The Elizabeth Fry Society, Community Credit Counselling, and The Manitoba Marathon. Bernice volunteers for Manitoba Cancer Care, Siloam Mission and Canadian Blood Services. Bernice and her husband Phil are actively involved in the many outdoor sporting events Winnipeg has to offer.

Brent Berzuk
Chief Risk & Compliance Officer

Brent has been employed in the financial services field his entire career, initially in various branch banking roles with major Canadian Chartered Banks, and more recently for almost a decade in the Manitoba Credit Union system in areas of specialized project work and risk management. Brent is a graduate of the University of Manitoba where he obtained his B. Comm (Hons) degree and is currently pursuing his Canadian Risk Management designation which is awarded through the Global Risk Management Institute. Brent was born and raised in Winnipeg and enjoys raising his two teenage boys with his wife Cindy.

Joël Bosc
Chief Financial Officer

Joël joined Crosstown Civic Credit Union in 2007 as its Chief Financial Officer. Prior to joining the credit union, Joël held various senior accounting and finance roles, including five years as director of finance at a Manitoba caisse populaire. Joël is a CPA,CA, having attained his Chartered Accountant designation while working with Ernst & Young’s Winnipeg office, and also holds a Bachelor of Commerce (Honours) degree from the University of Manitoba.

Neil Enns
Commercial Department Manager

Neil Enns is the Manager of the Crosstown Civic Commercial Department and has been employed by the credit union for over 26 years. He has seen the commercial department grow from about $2,000,000 in size to its current portfolio of over $700,000,000. Neil has a degree from the University of Manitoba, Faculty of Business with a major in Finance. He is married to his wife Patty and they have three wonderful daughters.

Rick Yallits
Chief Information Officer

Rick is the CIO of CCCU. He has been employed by CCCU since 2010 but has been involved with CCCU and their IT since the early 90’s, when there were only four branches. Prior to 2010, Rick spent the previous 17 years working for another company which provided IT services to many CU’s within the province, of which CCCU was one. Rick has a diploma from RRCC in Business Administration as well as a Certificate from RRCC in Computer programming.

Deborah Harri

Deborah’s is a corporate governance professional with over 20 years of experience. She was formerly an executive and member of the leadership team of the Canadian Wheat Board. Deborah also served as Corporate Secretary of the CWB for 10 years, which involved advising and working closely with an elected board. She has formal director training and is an accredited director with an ICD.D designation from the Institute of Corporate Directors (ICD)-Rotman School of Management Directors Education Program.

Deborah is currently chair the board of the Manitoba Lung Association and also serves on the Executive of the Manitoba Chapter of the ICD, on the advisory board of NovaTuri Group and on the Governance Renewal Subcommittee of the Canadian Lung Association.

Deborah holds a Bachelor of Commerce (Honours) degree from the University of Manitoba and has taken numerous corporate governance courses.