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ATMs and THE EXCHANGE® Network

Looking for more information? Visit our contact page and submit your question through the "Who can help me?" link or call one of our financial experts at any of our three branches.

1. Where can I find a list Credit Union ATMs?
2. What is THE EXCHANGE® Network?
3. How does OMISTA being part of THE EXCHANGE® Network benefit me?
4. Where can I find a list of 'Ding Free' Credit Union ATMs in THE EXCHANGE® Network?
5. What do I do if I forget my PIN?
6. How can I change my PIN?
7. How much money can I withdraw at one time at the ATM?
8. Am I able to change my withdrawal limit? 
9. Who do I contact if my card is lost, stolen or retained by the ATM?
10. What happens to my money after I make a deposit?
11. Could there be a hold on my funds after I deposit money into the ATM?
12. Should I keep my receipt after I make a transaction on the ATM?
13. What steps can I take to make my ATM experience as secure as possible?

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1. Where can I find a list Credit Union ATMs?

To find a list of Credit Union ATMs please click here and select the "Find a Credit Union Near you" option in the right hand corner.

You can find a list of all 'Ding Free' Credit Union ATMs by visiting the-exchange.ca. Simply select 'ATM Locations' on the left hand side. 

Also, for future reference you can visit our Branch/ATM locator page located at the top of every page on the omista.com website, under the search toolbar, next to our calculators, rates, FAQ and Contact Us links.

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2. What is THE EXCHANGE® Network?

THE EXCHANGE® ATM Network enables participating Credit Unions and other financial institutions, including OMISTA, to offer their cardholders convenient access to a very large, proprietary ATM network at an affordable cost. THE EXCHANGE® Network offers the only inter-institutional, full-function ATM network in Canada. Meaning, when you become an owner of OMISTA Credit Union you have full access to all ATMs within THE EXCHANGE® Network surcharge free. You don't get 'Dinged'! Yes, you still have to pay your normal account fees, but that's it! Nothing extra!

For more information on THE EXCHANGE® Network please click here.

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3. How does OMISTA being part of THE EXCHANGE® Network benefit me? 

When you become an owner of OMISTA Credit Union you have full access to all ATMs within THE EXCHANGE® Network surcharge free. You don't get 'Dinged'! Yes, you still have to pay your normal account fees, but that's it! Nothing extra!

At over 2,100 full-service ATMs across Canada, not being 'Dinged' is a great thing!

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4. Where can I find a list of 'Ding Free' Credit Union ATMs in THE EXCHANGE® Network?

You can find a list of all Credit Union ATMs by visiting the-exchange.ca. Simply select 'ATM Locations' on the left hand side. 

Also, for future reference you can visit our Branch/ATM locator page located at the top of every page on the omista.com website, under the search toolbar, next to our calculators, rates, FAQ and Contact Us links.


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5. What do I do if I forget my PIN? 

If you forget your PIN simply visit an OMISTA branch nearest you and advise one of our customer service professionals.  

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6. How can I change my PIN? 

To change you PIN for your debit card simply visit your nearest OMISTA branch and ask one of our customer service professionals for assistance with this request.

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7. How much money can I withdraw at one time at the ATM?

You can withdraw as little as $20.00 or as much as $500.00 depending on your available funds and individual account withdrawal limitations.

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8. Am I able to change my withdrawal limit?

Yes, just visit your nearest OMISTA branch to discuss any individual account changes or requests with one of our financial experts.

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9. Who do I contact if my card is lost, stolen or retained by the ATM?

Please notify your nearest branch immediately. If it is after business hours please call the 24 hr access phone line at 1-800-LOST111 (1-800-567-8111). Once we are advised, you are not liable for any money removed from your account without your permission.

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10. What happens to my money after I make a deposit?

After your deposit is made into one of our ATMs, an OMISTA financial expert will process your transaction the next business day.

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11. Could there be a hold on my funds after I deposit money into the ATM?

Cheques presented to OMISTA for cash or deposit to your account may not always be negotiated immediately. To ensure the financial security of OMISTA owners we may put a hold on your funds.

Holds may be placed on the following types of cheque deposits*:

• Cheques drawn on financial institutions in the Atlantic Provinces – minimum hold for 7 business days
• Cheques drawn on financial institutions in the rest of Canada – minimum hold for 14 business days
• Cheques drawn on financial institutions in the USA – minimum hold for 30 business days
• Cheques drawn on financial institutions other than in Canada or USA are to be taken on a collection basis only

The length of time you have dealt with the branch, the amount of funds in your account, and the amount and characteristics of the cheque being deposited may all influence if the funds will be held.

 *Please note that some cheques may be sent on collection, meaning that the funds will be credited to your account once the cheque has cleared the other financial institution and OMISTA has received the funds.

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12. Should I keep my receipt after I make a transaction at the ATM?

We recommend for you to keep all your transaction receipts until you have received your account statement in the mail or view your statement online for the appropriate time periods for the transactions in question. That way, if there was an error you have your receipt to show your financial expert.

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13. What steps can I take to make my ATM experience as secure as possible?

It is always important to take various precautions to make your ATM or retail debit purchase experience as secure as possible. For more information and tips on how to use your debit card securely please visit the learning center of our website.

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