The EXCHANGE® network gives you surcharge-free access to ATMs across Canada at most credit unions, HSBC, National Bank and Tangerine. This is thousands of locations across Canada where you can withdraw cash, change your PIN and check your balance. You can also deposit cheques, however these may be subject to a hold period, and if this is a problem we recommend you use the quick and convenient "Deposit Anywhere" feature in the PARAMA mobile app. PARAMA does not charge point of sale fees for using your flash debit card at vendors. See ATM Locator below for surcharge free ATMs.
Make direct debit purchases at participating merchants on the ACCEL POS network and make surcharge-free cash withdrawals at participating ATMs displaying the Accel logo (except where prohibited by law). The US dollar purchase value is converted to Canadian dollars when it is taken out of your account. In the US and internationally, you can also make cash withdrawals at any CIRRUS Network (MasterCard & Maestro) ATM. Surcharges may apply.
Canadian and U.S. ATM Locator
International ATM Locator
Ding Free® ATM Locator app