• Me-to-Me Transfers (Linked Account Transfer): Use DUCA’s Me-2-Me feature in online banking to transfer funds from your account at another Canadian financial institution to your account at DUCA. Incoming Me-2-Me transfers are automatically scheduled for the next business day and may take a few days to arrive in your DUCA account. To get started, simply complete and submit our Me-to-Me form.

• Interac e-Transfers®: Send money quickly and securely to any Canadian bank account using online banking. Great for smaller amounts.

• Bank Draft: Request a bank draft from one institution and deposit it at the other. Ideal for larger transfers where added security is needed.

• Wire Transfer: A fast, secure way to send or receive funds between banks, domestically or internationally.

Notes:

• Fees may apply depending on the transfer method and your account type.
• Our Me-2-Me transfer feature is currently undergoing maintenance until further notice. During this period, outgoing Me-2-Me transfers will be temporarily unavailable. 

Our Table of Limits outlines the maximum limits associated with sending and receiving Interac e-Transfers®, Me-to-Me transfers (which are transfers you set up between your DUCA account and your account at another Canadian Financial Institution), and limits associated with depositing cheques to your account by Remote Capture through DUCA's mobile app.

Click here to view our Table of Limits.

Note: Transaction limits are subject to change without notice.

Interac e-Transfers® : Funds are available immediately. No hold placed on funds.

Incoming Me-to-Me Transfers: Funds placed on hold  up to 8 calendar days prior to availability.

Remote Cheque Deposits: Funds placed on hold  up to 7 calendar days prior to availability.

Autodeposit is a convenient feature that allows you to receive Interac e-Transfers^® directly into an assigned account without the need to select your financial institution or answer a security question.

Once you’ve registered your email address with Autodeposit, any money sent to you using that email will be automatically deposited into your account.

The sender is made aware in online banking that you are registered for Autodeposit. It’s quick, secure, and eliminates extra steps.

A Payment Request is an Interac e-Transfer® feature that allows you to send a secure email request for someone to pay you. When the recipient receives your Payment Request, they are provided with clear instructions to make the payment. Once they agree to pay, the funds are deposited directly into your account. It’s a simple, secure, and efficient way to request and receive money.

Yes. If the transaction has not yet been received by the recipient, you can choose to cancel the transaction from the Pending e-Transfers® screen. 

Interac e-Transfers^® expire 30 days after they’re sent or requested. After 30 days, the recipient will not be able to receive and deposit the funds. Senders and requestors can send reminder notices to recipients from the Pending e-Transfers screen in online banking. If a recipient fails to receive and deposit funds within 30 days, the sender will be notified by email to deposit the funds back into their account, with the exception of any non-refundable service fee(s).

We offer several options for bill payments:

1. Through online banking
2. From the DUCA mobile app
3. By calling Member Connect Toll Free: 1-866-900-3822.
4. At a branch

To send a wire transfer, you’ll need to visit a branch or call Member Connect at 1-866-900-3822 with the following information:

1. Recipient Information:
• Full name
• Account number or IBAN (International Bank Account Number)
• Full address (no P.O. boxes) including city, province/state, postal/zip code, and country
2. Beneficiary Bank Information:
• Bank routing system (e.g., SWIFT, ABA, CHIPS, CC)
• Bank code/number (if applicable)
3. Intermediary Bank Information (if required):
• Bank routing system and code/number (if applicable)
• Bank name and address (if no routing system is used)

If you’re unsure whether an intermediary bank is required, confirm with the recipient to avoid any delays.

Note: The recipient can usually obtain the required incoming wire transfer information from their financial institution.

ATM cash withdrawal limit: $1,000 per calendar day.

Point of Sale limit: $1,500 per calendar day.

The Point of Sale tap limit: $250 per transaction. The cumulative daily tap limit is $400. Once that limit is reached, you will be prompted to insert your card and enter a PIN. 

Both the physical debit card and the virtual Personal Access Number (PAN) allow you to access DUCA’s online banking. However, there are key differences:

• Physical Debit Card: Provides access to DUCA’s online banking and can be used for ATM and Point of Sale (POS) transactions.
• Virtual Personal Access Number (PAN): Can only be used for accessing DUCA’s online banking. It cannot be used for ATM or Point of Sale (POS) transactions and is designed for Members who only want access to online banking.

During business hours: If you lose your debit card, you should contact your branch or Member Connect Toll Free at 1-866-900-3822. 

For after-hours assistance: Please call Everlink at 1-888-277-1043. This number is available 24/7.

With your DUCA debit card, you may access your accounts free of charge at thousands of ATMs across Canada through both THE EXCHANGE® network and the ACCULINK® shared service. 

THE EXCHANGE® Network: Find a free ATM on THE EXCHANGE^® Network. Want quick access on the go? Download THE EXCHANGE® Network's free ATM finder app on your mobile device.

ACCULINK® Shared Service: Find a free ATM through the  ACCULINK  ^® shared service using CUCC’s  Credit Union Locator.

United States: While THE EXCHANGE^® Network operates only in Canada, its partnerships with the Allpoint Network and the Accel^® Network in the U.S. means you have access to tens of thousands of surcharge-free ATMs while travelling in the United States. You may withdraw cash from any Allpoint ATM and at some Accel Network ATMs. Plus you may complete point-of-sale transactions at merchant locations that are on the Accel Network. Find a free ATM in the U.S. here. 

International: Use your DUCA Debit card at a Cirrus ATM. Click here to find one.

Yes. You can view the fees for each type of account here:

• Personal Account Fees
• Business Account Fees

New Member: You can open an account online or book an appointment at branch near you. You will be asked to provide the following:

1. Two pieces of identification (one must include a photo, such as a Driver’s License, Canadian Passport, Permanent Resident Card, or Ontario Photo Card). All IDs must be original, valid, and not expired. Note: Health Cards are not accepted as valid identification.
2. Cash or cheque to deposit a $1 membership share (refundable if you close your account).
3. Your Social Insurance Number (SIN).

Existing Member: If you are already a DUCA Member and would like to open another account, such as a savings account, chequing account, or GIC, you can do so through online banking (not mobile app), by visiting a branch, or by calling Member Connect at 1-866-900-3822.

View List of Required Documents to Open a Business Account

Ready to get started? You can open an account online or call to book an appointment at branch near you.

Currently, only residents of Ontario can apply to be a DUCA Member.

To set up direct deposit or pre-authorized debit payments, you will need to provide the following details to the organization handling the deposit or payment:

• Transit Number: 21962
• Institution Number: 828
• Account Number: [Your 12-digit Account Number]

This information can also be found at the bottom of your cheques. To download a Void Cheque:

1. Log in to your online banking account.
2. Select the account for which you need the void cheque.
3. Click the Download Void Cheque (PDF) button.

You can also find this information in our Direct Deposit Payment Instructions Form, but you will need to add your 12-digit account number.

Your TFSA contribution limit is the maximum amount that you can contribute to your TFSA in a year. Visit the Canada Revenue Agency to view the yearly limits. In addition, since the total amount you may contribute depends on your prior contributions as well as possible withdrawals, we suggest you confirm your allowable contribution directly through the CRA.

You can order cheques by:

• Calling Member Connect Toll-Free at 1-866-900-3822
• Visiting a branch
• Ordering through online banking by going to “Account Services”

Note: Fees may vary. Please contact your branch or call Member Connect if you have any questions about cheque fees.

DUCA is regulated by the Financial Services Regulatory Authority of Ontario.

Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority. www.fsrao.ca 

Review FSRA's brochure on deposit insurance here.

What constitutes an NSF fee?

An NSF fee may arise when your account lacks the necessary funds to complete a transaction. This often happens if you forget to deposit funds for a recurring monthly bill or if a recipient doesn't promptly cash a check you've written. If the recipient later cashes the check when your account balance is insufficient, DUCA may decline the transaction and impose an NSF fee. It's important to note that each attempted transaction with insufficient funds may incur an NSF fee.

How can I determine if an NSF fee has been applied?

NSF fees are typically applied promptly when there's an insufficient balance for a transaction. However, it might take 1 to 2 business days before you spot the charge reflected in your online banking statement.

How can I avoid NSF fee?

Track your activity on your account: Regularly monitoring your account transactions and scheduled payments is essential for staying informed about your financial activities. Ensuring that your account maintains sufficient funds to cover your financial commitments is crucial for preventing a negative balance.

Avail Overdraft Protection: Opting for overdraft protection is a choice available for application. It provides coverage for your transactions, allowing them to go through up to a predefined limit, even if your bank account lacks sufficient funds. This serves as a preventive measure against incurring NSF fees.

All United transition information can be found here: https://www.duca.com/united-merger

Visit a branch or call Member Connect at 1 866 900 3822 to be set up for online banking. Read our tips for online banking here.

To access your accounts from a mobile device, first you must be registered for online banking. If you’re not registered yet, please visit the nearest DUCA branch or call Member Connect at 1 866 900 3822 to get set up for online banking.

Download the DUCA Mobile Banking app from either the App Store or Google Play and sign in! It's that easy.

If you need support, please contact Member Connect at 1 866 900 3822.

Effective Nov. 14, 2022

Q: What is 2-Step Verification?

A: 2-Step Verification is the new heightened industry standard for account protection. It means that when you log in to your online banking profile, prior to gaining access to your account, you will receive a verification code sent by text, voice call and/or email.  You then have 10 minutes to enter that code to access your online profile.

Q: Is 2-Step Verification required?

A: Yes. All Members who use online banking must enroll in 2-Step Verification as it provides a higher level of security.

Q: Will security challenge questions still be required?

A: No. After enrolment in 2-Step Verification, challenge questions and answers will be eliminated since 2-Step Verification, which is based on codes valid for only a few minutes, are more secure.

Q: Can I register for 2-Step Verification via both SMS Text, Voice Call and Email?

A: Yes, however, not at the initial enrolment. During their initial enrolment, a Member can register only one of a mobile phone number, email address or voice call number to receive 2-Step Verification codes.  After enrolment, you can add a second notification channel the next time you are logged in.
 
Q: What happens if I fail to provide the correct verification code?  

A: The account will lock and you must call Member Connect.

Q: What if the verification code does not come through?

A: Wait a reasonable amount of time for the notification to arrive. If it does not, use the “send new code” option.

Q: How long is the verification code valid?

A: Ten minutes.

Q: What types of online banking transactions will require additional 2-Step Verification?

A: The following types of transactions will now prompt you to enter a security code before the transaction can be successfully completed:

• Resetting your password
• Editing 2-Step Verification settings
• Adding a new or changing an existing Interac e-Transfer contact
• Adding bill payment payees

Q: Is there an option to designate a device as a ‘trusted’ device, exempting logins from that device from additional authentications?

A: Yes. After entering a verification code, you have the option to select "Don't ask me again next time I log in from this device."

Q: Will enrolment in 2-Step Verification affect any of my current digital banking configurations or settings?

A: Yes. After setting up 2-step Verification, you must re-set up Biometrics (Touch/Face ID), QuickView, and Memorized Accounts, if you wish to use those features. All other aspects of online banking will remain unchanged.

Q: How do I change my Password for online and mobile banking?
 A: Log in to your online profile and click on Profile and Preferences under the Account Services section to change your Password.  First, enter your current Password and then your new Password. Verify it by entering it again. Your new Password must have a minimum of 9 characters, both upper and lowercase letters, a number, and at least one special character (@, #, % or ! ONLY).

Note: If you use a special character other than the ones listed above, your 2-Step Verification will not work. 

Q: What If I forgot my password?

A: Click the "Forgot Password" link on the login page and follow the prompts to reset your password by completing the verification questions.

Note: If you are not enrolled in 2-Step Verification, the "Forgot Password" link will not work, and you will see an error message on the "Please Verify Yourself" screen. In this case, please contact Member Connect or visit a branch to reset your password.

Q: Is there a limit to how many times I can submit an incorrect verification code from the Enter Your Verification Code screen?

A: If an incorrect verification code is entered three times in a row during a Password reset, you will be locked out and must then contact DUCA.

Q: Is there a limit to how many times I can submit an incorrect password?

A: If an incorrect password is entered three times in a row, you will be locked out from the account.

If that happens, you can use the “Forgot Password” feature to create a new password. However, if you wish to use the same password, then you will have to contact DUCA to have the account unlocked.

Q: Is this feature available for Businesses? 

A: No, this feature is not available for Business accounts on the Business platform at this time.

Your eStatement can be found by logging into online banking and following these simple steps:

1. In the left-side menu, click on My Accounts
2. Within the My Accounts menu items, select View eStatements
3. The eStatement screen will appear and you can click on the year from which you would like to view a statement.
4. After you click on the specific year, e.g. 2020, each month for which a statement is available will appear for you to select from.
5. Click on the month you want to open a PDF of that month’s statement.

Most non-registered term deposit accounts can be opened directly through online banking. Simply sign into online banking using a desktop or laptop, and navigate to: Account Services > Open a New Account > Term Deposits.

Please note:

• This feature is not available in the mobile app.
• This feature is intended for single ownership accounts. Joint ownership accounts require assistance from Member Connect or a branch. 
• Only non-registered accounts can be opened online. Registered accounts require assistance from Member Connect or a branch.

The Remote Deposit Capture (RDC) feature on the DUCA Mobile Banking App allows you deposit a cheque without having to stop in at a branch or visit an ATM. Just select “deposit” from the service menu.

You will be prompted to take a picture of your cheque and the app will walk you through the steps to deposit your cheque into your desired account.

The maximum limit for RDC is $10,000.00 CAD to be deposited.

You will need to update your payee if you haven’t made a payment within 13 months.

This can done online or in branch with the stub.

View our Personal credit cards or Business credit cards (including rates, fees and perks) online.

DUCA has partnered with Collabria to provide Members with credit card products to serve a variety of Personal or Business needs. Collabria provides you with 24/7 Cardholder Service, access to account information online through MyCardInfo or CardWise and round-the-clock fraud monitoring and protection services for your credit card. Collabria also receives and processes your card payments and manages collections on delinquent accounts. From time to time, you may receive communications from Collabria regarding your credit card account.

MyCardInfo is Collabria’s online account management tool where you can access your credit card account information 24/7. With MyCardInfo, you can check current balances, review recent activities, verify the last payment made, make payments, view eStatements and more.

NOTE: While MyCardInfo will continue to exist in the foreseeable future, CardWise will eventually take its place.

CardWise is a simple and improved way to digitally manage your DUCA Collabria credit card. Cardholders can view balances, make payments, report fraud, notify Collabria about planned travel, request a replacement card and more - all in one place.

There are two ways to access:

• CardWise Online: www.cardwiseonline.ca
• CardWise Mobile: download the CardWise Mobile app from the Apple Store or Google Play store. 

Watch this video to learn more about the features and benefits of CardWise.

NOTE: If you are currently using MyCardInfo, make the switch to CardWise today!

1. Visit www.cardwiseonline.ca or download the CardWise Mobile app from the Apple Store or Google Play store.
2. CardWise Registration Instructions

As both platforms remain available, you will continue to have access to both, however it is recommended that CardWise be used as your primary platform to fully experience its features.

Any Auto-Pay set ups on a cardholder’s MyCardInfo account will be transferred to CardWise once they have completed registration.

CardWise will begin showing account statements beginning the first statement cycle following registration. Cardholders may download previous statements from MyCardInfo.

We have a suite of credit cards available depending on your needs. Visit our Personal Credit Card or Business Credit Card products in helping you achieve your needs.

Contact Collabria directly.

Your DUCA credit card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. We recommend you obtain a PIN for the credit card so that a cash advance can be readily available in case of an emergency. As a fraud protection measure, we strongly recommend you call Collabria Cardholder Service: 1.855.341.4643 prior to your departure to advise them of your travel plans. 

Rewards can be redeemed online through MyCardInfo or CardWise.

Yes. DUCA has implemented a new, centralized procedure for share redemptions to simplify and streamline the process. Under the updated process, all redemption requests are added to a single, centralized list to ensure:
• A fair, first-come, first-served system for all Members.
• Simple tracking and management of redemption requests.
• Greater efficiency for both Members and DUCA employees.

DUCA maintains a centralized redemption list to ensure equity among all Members. Redemption requests are time-stamped and processed on a first-come, first-served basis, subject to an annual redemption limit of 10% of the previous year’s ending share balance, as required by regulation pursuant to the Credit Union and Caisses Populaires Act. To submit a redemption request, contact your local branch or call Member Connect at 1.866.900.3822.

Class B Shares (Series 1): You may submit a redemption request starting on the first business day in January of each year.

Class B Shares (Series 4): You may submit a redemption request starting on the first business day in August of the preceding year (e.g. for 2026 redemption, requests may be submitted starting August 1, 2025).

Note: Once the annual redemption limit is reached, no additional redemption requests will be approved for that year. Members whose requests have not been processed must resubmit a redemption form beginning the first business day of January for Series 1; first business day of August for Series 4.

DUCA’s annual redemption limit is set at 10% of the previous year’s ending share balance, as required by regulation pursuant to the Credit Union and Caisses Populaires Act. This ensures we maintain adequate capital while offering Members the opportunity to redeem their shares.

If the annual redemption limit is reached, additional requests will not be processed in the current year. You will need to submit a new request when the redemption process opens again for the following year. Members will be notified by email or phone whether their request has been accepted or not.

In the event of a Member’s passing, estate redemption requests will receive special consideration. Similarly, Members who have been expelled from DUCA will also receive priority. If such a request is made after the annual redemption limit has been reached, it will be added to the following year’s list automatically, even though the list is not yet open to other Members.

Yes, you can cancel or modify your redemption request before it is processed. Please contact your local branch or call Member Connect at 1-866-900-3822 to make changes.

Note: Any changes to your redemption request would require a new form to be completed and signed, or you may initial a change to the original form submitted.

No, there are no fees associated with submitting a redemption request or redeeming your shares.

Requests are reviewed as soon as the redemption period opens. Processing times for redemption requests depend on the volume of requests and are handled on a first-come, first-served basis.
If your redemption request is approved, here is the approximate timing for when redemptions occur:

• Class B Shares (Series 1): Redemptions start on the first business day of January each year.
• Class B Shares (Series 4): Redemptions start on the first business day of February each year.

Note: All redemptions are subject to the annual 10% redemption limit, as required by regulation pursuant to the Credit Union and Caisses Populaires Act, and some requests may not be honored if this limit is reached.

If your contact information changes, please notify DUCA immediately to ensure you receive important updates regarding your redemption request.

Members are typically required to provide identification and complete the necessary redemption forms. Additional documentation may be required for estate redemptions. Please contact us for details.

Redemption requests must be submitted by the Member or an authorized representative. For estate requests, documentation verifying executor or administrator authority will be required.

If you experience any difficulties, please contact Member Connect at 1-866-900-3822 or your local branch for assistance.

Yes, you can redeem a portion of your shares or all your shares. You can specify the number of shares you wish to redeem when submitting your request.

If you hold investment shares as of December 31st of a particular year, you will be eligible to receive a dividend for that year, provided a dividend is declared and paid.

The approval of Class B share redemptions is determined by DUCA’s Board of Directors. If a dividend is declared, Members are notified of the dividend rate through a letter sent out in March.

Please note that while we aim to follow this timeline, the exact dates may vary slightly depending on scheduling or operational needs. Rest assured, we will keep Members informed of any updates or changes to these timelines.

For any further questions, please contact your local branch or call Member Connect at 1-866-900-3822.

As of June 1, 2021, the Financial Transactions and Reports Analysis Centre of Canada* (FINTRAC) requires Credit Unions to identify and document any individual depositing funds into an account. This pertains to any Depositor who is not on file as the primary account owner such as someone who is Joint on the account or is another signing authority or is a Third-Party Depositor. The Depositor in these situations is required to present government issued identification. This information will appear on statements documenting the transaction.

Business Members who send in an employee for company deposits should ensure the employee is made aware of this regulation and is prepared to present government issued identification.

*About FINTRAC: FINTRAC is Canada's financial intelligence unit. Its mandate is to facilitate the detection, prevention, and deterrence of money laundering and the financing of terrorist activities, while ensuring the protection of personal information under its control.

Click here to learn more. 

To be considered in good standing for promotional eligibility, your account must:

• Have funded a Membership share within the promotional period
• Maintain a positive balance (not dip into negative during the promotional period)
• Show normal account activity (such as using the account for everyday banking, bill payments, or savings)
• Not exhibit behavior intended to game the promotion (such as setting up direct deposits only to immediately transfer the funds out without meaningful use of the account)

Accounts that do not meet these criteria may be deemed ineligible for promotional rewards.