Frequently Asked Questions

Frequently Asked Questions

Fusion members purchase a $25 share in the Credit Union and become owners, with rights to use all of the Credit Unions services, to vote on who joins the Board of Directors, and be eligible for patronage dividends, if the Credit Union declares it.

To join Fusion Credit Union, stop by a branch or click here and fill out an application form.

Fusion’s MemberCard 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 MemberCard 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.

Note: Fusion MemberCards will be available for phased-in distribution in the spring of 2019. Catalyst Credit Union and Vanguard Credit Union MemberCards will continue to be fully functional until they are replaced by the new Fusion cards.

If your card is lost, stolen or compromised, please call 1-888-277-1043 for after-hours service.  During business hours – Call your branch

Please remember to cancel your card immediately if:

  • Your MemberCard is lost or stolen
  • Your card is retained by an ATM
  • You notice unauthorized activity on your accounts

MemberCard is available at no cost, replacement cards are $15.

It can be used ding free (without a usage charge) at over 1800 participating credit union ATM’s from British Columbia to Newfoundland. Banks and private cash dispensing machines charge varying fees for usage.

There is a withdrawal limit of $410 CDN* per day from ATM machines that display Interac, Cirrus, or Maestro. Point of sale purchases are limited to $3500 CDN* per day.

*These limits may vary.

Debit card payment is accurate and convenient. Funds are immediately debited from your account. Dual security: combination of the chip and PIN.


  • The tap feature can be used for small purchases of $100 or less per transaction
  • Daily Tap spending limit of $200
  • PIN verification is required once daily spending maximum is reached
  • Radio frequency enabled smartcard technology 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.

Fraud can happen anytime, anywhere, to anyone. Some of the most common frauds we hear of today include Phishing, Skimming, Prize Scams and Identity Theft.

Here are some tips to protect yourself against all kinds of scams; online, e-mail, telephone and door-to-door:

  • Don’t disclose any personal information about your finances, bank accounts, credit cards, social insurance and driver’s license numbers to any business that can’t prove it is legitimate
  • Don’t give anyone your PAC (personal access code) or PIN numbers to bank accounts or credit cards
  • Don’t be fooled by promises and guarantees of valuable prizes for low-costs
  • Don’t open an e-mail with a suspicious subject line or e-mail address
  • Don’t purchase an item or service without researching the product, service, company or provider
  • Don’t be afraid to hang up the phone, close the door, delete email or close internet connection
  • Shred any unneeded personal information documents (bank statements, credit card bills, unwanted receipts, cheques, pre-approval documents, old tax documents, etc.)
  • Frequently check all your bank accounts and credit card statements and report any problems immediately.

Remember, Fusion will not request sensitive account information over the phone or by email. For more tips visit the Government of Canada Fraud Prevention website

For any Fusion Credit Union account concerns please contact any Fusion location or call us at 1-877-226-7957 or email

Identity theft occurs when a fraudster obtains your personal information such as name, address and social insurance number and uses it for illegal purposes. This could include applying for bank accounts or even loans in your name. This information can be collected through a fraudulent telephone call or email requesting this information or by collecting it from unprotected documents.

In order to protect yourself from identity theft it is important to protect your personal information. It is good practice not to provide these details through email or telephone. Keep confidential information protected in your home and shred all documents you plan to throw away.

Our Business Support Page contains valuable information on how to protect your organization and business from fraud.

The Competition Bureau and the Canadian Anti-Fraud Center websites also contain information on how to protect your business and organization from fraud. Their sites are located at the links below:

Phishing describes electronic fraud that takes place through email or text messages. The fraudster will create an electronic message that looks like it’s from a legitimate source, like a business or financial institution. The original email will often feel urgent in nature, asking you to update, validate or confirm your personal information.

If you open the e-mail, you will usually be transferred to an online sign-in page almost identical to that of the legitimate business. Once on this page, you will be prompted to enter personal information such as a user name and/or password. If you enter this information, it may let the fraudster in to your corresponding account.

If you think that you have been a victim to this type of scam, immediately notify the actual business and change all your passwords. If there was financial information attached to this account, such as a credit card number or other banking information, it is best to notify your financial institution and law enforcement authorities as well.

Fusion Credit Union or any other financial institution, will never send an automated email requesting that you sign into your online banking account. Always ensure emails come from a trusted source before proceeding.

For more information about Fraud and how to protect yourself, go to Financial Consumer Agency of Canada.

Skimming involves the theft of account information through the MemberCard or credit card’s magnetic stripe. If your card is swiped at a fraudulent ATM or terminal, your account information can be captured and copied to a fraudulent debit card. Your PIN may also be recorded by an individual watching or through a hidden camera. Once this occurs, the fraudster will generally wait up to 12 months before utilizing the data they have illegally obtained. Transactions are typically made at ATMs outside of the province or outside of the country. In Canada, we have taken necessary precautions to try to prevent this type of crime by introducing chip technology. This technology requires you to insert your chip rather than swiping your card, which has prevented numerous incidents of fraud.

Always be aware of your surroundings and protect your PIN as you enter it in. If you are travelling outside of the country or your card is swiped instead of having the chip inserted, take extra precautions to protect your PIN.

Only keep one card per financial institution and update your PIN every 3 months.

Review your account activity and immediately report any unusual transactions to your financial institution.

If you feel that you have been the target of fraud, report it to your financial institution, Equifax and your local police.

For more information about fraud and how to protect yourself, go to Financial Consumer Agency of Canada.

Prize Scams are a type of mass marketing scam that targets its victims through mail, telephone or email. The message will include notification that you have won a prize and ask that you forward funds to cover fees or taxes prior to receiving the winnings.

In Canada, you are not required to pay any fees or taxes on prize winnings.

If you have not entered a contest or have purchased a lottery ticket of any kind, this is more than likely a scam.

Avoid being scammed by reviewing the top ten scams from the Better Business Bureau.

For more information, read The Little Black Book of Scams- your guide to protections against fraud.

For more information about Fraud and how to protect yourself, go to Financial Consumer Agency of Canada.

Account statements are available to members to view each of their account transaction history. Paper and electronic statements are available for personal and business accounts.

Statements are provided monthly, quarterly, semi-annually, and annually; as per your request.

The statement end date for personal accounts is the 8th of each month and is available to view within 1 to 2 days.

The statement end date for business accounts is the end of each month and is available to view within 1 to 2 days.

Cheque images are included in statement summaries for both printed and electronic versions.

Paper statements are still available, but there is a $2 printing fee per statement. Statements are printed at Credit Union Central of Manitoba and are mailed to the member’s address provided on their member account profile.

We no longer print statements for members who have no account activity or who have credit interest transactions only, to save you the statement printing fee and to save trees. These statements are available through e-statements.

If you would no longer like to receive a paper statement, would like to switch to e-statements, or any have questions regarding your statements please call us toll free at 1-877-226-7957 or email
E-Statements are an electronic version of a paper statement that give you a quick way to view the transaction history of your accounts online. If you have online banking your e-statements are automatically available to view by logging into your online banking and selecting 'Accounts' along the top, then view e-statements. Through your Fusion App, choose 'Activity' along the bottom and view eStatements. Previous years statements are also available through e-statements. 
Please contact your branch within 30 days.

Save time by depositing a cheque right into your account from anywhere, at any time by using the Fusion Credit Union app from a mobile device or tablet. It’s quick, simple and secure.

All Deposit Anywhere transactions have a 5 day hold.

Deposit a cheque from anywhere and at your convenience
See the amount that’s deposited into your account immediately
Choose any of your non-registered chequing or savings accounts to make the deposit
Better manage your cash flow

How to deposit a cheque:

  1. Open the app on a mobile device
  2. Choose the deposit icon
  3. Select the account you want to deposit into
  4. Enter the amount of the cheque that’s being deposited
  5. Take a picture of the front and back of the cheque
  6. Confirm the details
  7. Submit

Once the cheque has been submitted ensure to mark the cheque with the phrase “deposited via mobile” without obscuring any material information on the cheque and retain for 120 days. After 120 days the cheque is to be destroyed.

This coverage offers protection on the purchase of most retail items purchased using the MemberCard – 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 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 MemberCard 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.

As of August 24, 2021, our digital banking no longer includes this option. We are working towards making this available again in the future. 


In the meantime, to set up CRA direct deposits to your Fusion account, you need to do so from the CRA website or by completing the necessary form available at any of our branch locations and mailing it in.

One tap away.

Check your balance, transfer funds, deposit cheques, all from your phone with the Fusion Mobile App.

Get secure convenient access to your accounts from your smartphone.

The app is free. Download it now from the App store or Google Play.

Download the Fusion Credit Union mobile app

Download on the App StoreGet it on Google Play
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