Credit & Debit/ATM Services | PARAMA

Online Banking FAQs


    You are here

Credit & Debit/ATM Services

Credit Card



Flash Debit Card

Parama debit cards are microchip-enabled for your convenience and protection. The microchips are encrypted and provide significant enhanced protection against counterfeiting and fraud. When used together with your Personal Identification Number (PIN) you are protected by a highly secure transaction.  The Interac Flash feature on your PARAMA FLASH MEMBER CARD® debit card allows you to pay for purchases without having to insert your card into the chip reader at the checkout or enter your PIN.  

If your FLASH MEMBER CARD® card has been lost or stolen please notify PARAMA at either location during business hours or after business hours call 1-877-764-3693 and your card will be blocked from any further use. During business hours, notify us at 416.207.9239 or 416.532.1149.


ATM Services

In Canada

Why pay up to a $4 fee to access your money when you can do it through The EXCHANGE® network ATMs for free?! The EXCHANGE® network gives you surcharge-free access to ATMs through a select few banks, including HSBC, National Bank and Tangerine, as well as a long list of other participating Canadian Credit Unions. You can make deposits, cash withdrawals, transfers, PIN changes and balance enquiries at thousands of locations throughout Canada. 

See links to the EXCHANGE® network below - don't pay fees you don't need to. There's thousands of ATMs you have free access to!


Outside of Canada

Use your PARAMA debit card to make purchases at participating US merchants on the ACCEL POS network and make surcharge-free cash withdrawals at participating EXCHANGE® network ATMs (except where prohibited by law). The US dollar purchase value is converted to Canadian dollars when it is taken out of your account, reducing the need to carry excess US cash. You can also make cash withdrawals at any CIRRUS Network ATM, however surcharges may apply. .


ATM Locators



Canadian and U.S. ATM Locator

ACCEL POS® Network

U.S. Merchants


International ATM Locator

Ding Free®

Ding Free® ATM Locator app