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During business hours, call our Member Service Centre at 1‑800‑616‑8878 or visit your nearest branch.
After hours, call Everlink at 1‑888‑277‑1043. 7 days a week.
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Debit Cards
FirstOntario Debit Mastercard® now available
Are you ready for a simplified, secure, and versatile way to access your funds anywhere you go? Look no further!
The brand-new FirstOntario Debit Mastercard seamlessly combines the advantages of Interac® and Mastercard, delivering unparalleled convenience for your everyday transactions.
Discover the ultimate convenience:
Access Your Money – Your Way
With the FirstOntario Debit Mastercard, you're in control. Shop in-store or online wherever MC is accepted, unlocking a world of possibilities right at your fingertips.
Online shopping and bill payments
Simplify your online transactions, whether shopping for the latest trends or managing monthly bills. The FirstOntario Debit Mastercard offers easy, seamless payments from the comfort of your home or on the go.
Contactless payments
Embrace the future of payments with effortless, secure tap-and-go transactions at participating merchants. No more swiping or inserting your card – wave your FirstOntario Debit Mastercard for swift and secure purchases.
Global ATM access
Need cash on the go? Your FirstOntario Debit Mastercard grants you access to a vast network of ATMs worldwide. Plus, enjoy surcharge-free withdrawals at thousands of ATMs across Canada through THE EXCHANGE Network®.
Round up and save, effortlessly
Saving money has never been this simple. With your FirstOntario Debit Mastercard, you can round up your point of sale purchases made through the Interac network to the nearest dollar or a specific amount every time you use your card.
The difference is automatically transferred directly into your savings account. Say goodbye to complex savings strategies – we make this one easy for you!
Ensuring Your Peace of Mind
FirstOntario puts your safety first with advanced security measures. Your peace of mind matters — that's our promise with every transaction. Don't miss the opportunity to experience the new FirstOntario Debit Mastercard.
Transaction protection
Our use of EMV®† chip technology and innovative fraud prevention solutions guarantees that each transaction is shielded from unauthorized use or fraudulent activities.
Fraud prevention
Introducing eSCORE™, a fraud prevention tool that safeguards card-present and card-not-present debit card transactions, offering an extra layer of security for your peace of mind.
Secure authentication
Partnered with VCAS, a 3D Secure authentication service, which bolsters security for every transaction.
Fraud monitoring
With eDETECT™, a real-time fraud monitoring service, your transactions are under constant care.
How to get your FirstOntario Debit Mastercard
FirstOntario Debit Mastercard is available to all FirstOntario members. Get yours today!
Unlock the power of your FirstOntario Interac Flash® Debit Card
The FirstOntario Interac Flash debit card is your gateway to fast, hassle-free cash withdrawals, account access, and effortless payments.
Discover the benefits of your FirstOntario Interac Flash Debit Card:
Shop, tap, and go anywhere
Don't waste time fumbling for cash or entering your PIN – with your FirstOntario Interac Flash debit card, you can easily shop, tap, and go. Enjoy the convenience of tap technology for purchases up to $250 without entering a PIN. It's the ultimate in contactless payment simplicity.
Security at your fingertips
Your peace of mind is our priority. Not all contactless payment technologies are created equal. Interac Flash employs EMV®† secure chip processing to shield you from fraudulent activity, including skimming, counterfeiting, transaction replay fraud, and even the threat of electronic pick-pocketing. Your security is our commitment.
Round up and save, effortlessly
Saving money has never been this simple. With your FirstOntario Interac Flash debit card, you can round up your purchases to the nearest dollar or a specific amount every time you use your card.
The difference is automatically transferred directly into your savings account. Say goodbye to complex savings strategies – we make this one easy for you!
Surcharge-free ATM access Canada-wide
Accessing your funds should be stress-free, and with a FirstOntario debit card in your wallet, it is. Gain access to thousands of ATMs across Canada through THE EXCHANGE Network® without incurring surcharges.
Your money is always within reach without the extra cost.
Unlock exclusive perks as a FirstOntario member!
At FirstOntario, we believe in rewarding our valued members with exclusive privileges. Introducing the Ticat Interac Flash debit card and Ticat FirstOntario Debit Mastercard, custom-tailored to enhance your membership experience.
Discover the benefits of your Ticat Interac Flash® debit card:
Enjoy 10% savings
As a cardholder, you're entitled to a 10% discount on all your purchases at the Ticats Shop. Score amazing deals on your favourite team merchandise.
VIP access
Be a First-in-line VIP when you present your card at Tim Horton's Field Gate 2. Skip the queue and experience the game-day excitement like never before.
Pre-game sideline field access
Take your love for the Ticats to the next level with pre-game sideline field access. Witness the action up close and personal.
Exclusive contests and prizes
Get the chance to participate in exclusive contests and win fabulous prizes reserved just for our cardholders.
Ready to elevate your game day experience?
As a FirstOntario member, you're not just a spectator, but an integral part of the action. Don't miss out on these exceptional benefits – grab your Ticat Interac Flash debit card or Ticat FirstOntario Debit Mastercard and get ready to enjoy the game like never before!
Visit the Ticats website to stay updated on all the thrilling game day events.
Frequently asked questions about our debit cards
What if my card was lost or stolen?
What is the difference between a Mastercard and a Debit Mastercard?
A Debit Mastercard is similar to a Flash debit card in that it functions the same way for in-person point of sale and ATM transactions (Interac Flash is a payment technology that allows you to make smaller, everyday purchases simply by holding your credit union debit up to an Interac Flash-enabled point-of-sale terminal – no PIN required).
Where a Debit Mastercard is different is, it has the ability to transact on the Mastercard network which supports what’s known as “card-not-present” transactions like online purchases and recurring payments, functioning just like a credit card but transacting directly from your chequing account (if you do not have a chequing account it will draw from your savings account). For example, you can set up your Netflix account to use your Debit Mastercard to make the payments, instead of a credit card.
What if I am not interested in a FirstOntario Debit Mastercard?
FirstOntario Interac Flash debit cards are still available to all members.
Are there fees associated with having a Debit Mastercard?
There are no unique transaction fees or annual fees for having a Debit Mastercard. All standard account and transaction fees apply. Should a trace be required for a Debit Mastercard transaction, the fee may be higher due to increased costs to investigate.
Will point of sale transactions work differently than a Flash card?
Domestic point of sale transactions will continue to work the same for the Debit Mastercard. International point of sale transactions will be made using the Mastercard network but transactions themselves will continue to operate the same way. Note that there are additional fees for using the card outside of country.
Do all online retailers accept Debit Mastercard?
Debit Mastercard is accepted by international and participating Canadian online merchants that accept Mastercard.
Use our ATM locator to see where you can use your debit card – surcharge free
Still have questions?
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Lost or stolen card?
During business hours, call our Member Service Centre at 1‑800‑616‑8878 or visit your nearest branch.
After hours, call Everlink at 1‑888‑277‑1043. 7 days a week.
Interac Flash® is a registered trademark of Interac Inc. used under license. To learn more, visit interac.ca*
The Contactless Indicator is a trade-mark of EMV Co. LLC. Used under license.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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