Travelling with your MemberCard?
Important information you need to know before you leave home! Your MemberCard debit card could be blocked in the country you are travelling to.
What is Country Blocking?
Country Blocking is the process where credit unions block the use of your debit card in certain locations outside of Canada and the United States in order to prevent fraudulent activity and to protect the money in your account.
Doesn't the CHIP card prevent fraud?
Although CHIP cards have made a positive difference in reducing debit card fraud here in Canada, fraudulent activity continues to rise in countries that have not implemented this technology. As a result, all Canadian credit unions have placed blocks on countries where high rates of debit card fraud occur.
Blocked countries change frequently
Before leaving Canada, be sure to notify us. If you plan to use your debit card while travelling, we can UNBLOCK it at your request.
How do I ensure access to my MemberCard when travelling?
If you're planning to travel anywhere except within Canada or the U.S. with your MemberCard debit card you must notify us at least 2 business days in advance. We can UNBLOCK your card before you go, at your request.
For each YNCU MemberCard you travel with we need to know:
- how to contact you to confirm your information
- the number of the card you're travelling with
- the dates you are travelling, and
- the country or countries that you are travelling to
To submit your request:
Log in to online banking
- Choose Account Services and then Travel Notification from the menu
- The Travel Notification form will populate with the MemberCard number that you logged in with
- Complete all options and ensure that your contact information is correct
- Repeat for each card you are travelling with
If you do not use online banking, please contact your branch.
How do I get help while I'm away?
During business hours contact your branch
After hours, call 1-800-LOST-111 (1-800-567-8111)
Out-of-Country call collect (306) 566-1276
Spending money while travelling
Organize your travel funds well in advance. It’s wise to have a variety of payment methods available, including credit cards, debit cards, and foreign currencies. Note that fewer and fewer establishments accept travellers’ cheques.
Having access to a variety of funds when travelling means you can handle large purchases, and have cash for a taxi to the hotel, tips for your meals, and souvenirs at the local market.
If you don’t have a credit union MasterCard®, ask at your branch about the travel benefits and protection. You can apply for one easily and have it mailed to your home.