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MemberCard Limits
| ATM Withdrawal Limit | $1,000 |
| Point of Sale Withdrawal Limit | $3,000 |
| Daily Deposit Limit | $200,000 |
Tap
1st Choice Savings debit cards have a $200 cap before a pin is required. Please note that individual merchant terminals may impose a limit that is less (for example, a merchant may impost a $100 limit for tap).
Regardless of the transaction amounts, once a cumulative limit of $200.00 is reached, the member must enter their PIN. For example,
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$100.00 (can tap)
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$75.00 (can tap)
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$50.00 (must enter PIN)
Apple Pay
Apple Pay is a mobile payment service that stores card information in a digital wallet on a mobile device so that users don't have to carry physical cards.
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Apple Pay does not have specific limits; they are driven by the card limits and by limits on the merchant terminal.
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Each time Apple Pay is used, the user is authorizing the transaction through either password or biometric methods, so these transactions aren’t subject to the same limits as "tap."
Last updated November 5, 2024
When deposited in-branch or online, a cheque is subject to a 10-day hold.
All cheques deposited through an ATM are subject to a 6-day hold.
Last updated November 5, 2024
| Maximums | Outgoing (Sending) | Incoming (Receiving) |
|---|---|---|
| Amount per transfer | $3,000 | $10,000 |
| Amount per day | $10,000 | $10,000 |
| Amount per 7 days | $10,000 | $70,000 |
| Amount per 30 days | $20,000 | $300,000 |
| Amount per request | $3,000 | $3,000 |
| Instant Transfers | |
|---|---|
| Max. amount per Instant Transfer | $250 |
| 24-hour rolling limit for Instant Transfers | $500 |
Please note that there is a 30-minute cool-down period before the eTransfer is sent if it is over the limits for instant eTransfers.
Last updated November 5, 2024
| Maximums | Outgoing (Sending) | Incoming (Receiving) |
|---|---|---|
| Amount per transfer | $10,000 | $10,000 |
| Amount per day | $20,000 | $20,000 |
| Amount per 7 days | $50,000 | $140,000 |
| Amount per 30 days | $100,000 | $600,000 |
| Amount per request | $3,000 | $3,000 |
| Instant Transfers | |
|---|---|
| Max. amount per Instant Transfer | $500 |
| 24-hour rolling limit for Instant Transfers | $500 |
| Max. amount per Instant Transfer with history | $5,000 |
Please note that there is a 30-minute cool-down period before the eTransfer is sent if it is over the limits for instant eTransfers.
Last updated November 5, 2024
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