Debit Card Cancellation Hotline Service

If you suspect your MEMBER CARD® Debit Card has been lost or stolen, please call:

Toll Free: 1-866-758-5678


In your hometown or on the other side of the globe, you can access your account anytime at ATMs with your MEMBER CARD Debit Card. Your MEMBER CARD Debit Card also enables you to pay cash at stores, restaurants, and any other vendor that displays the Interac® Direct Payment Service Logo.

By using an Exchange Network® ATM you will not be charged additional service fees from either institution.

Protect Yourself from Debit Card Fraud

With the increase in identity theft and debit card (also referred to as your MEMBER CARD Debit Card) fraud, it is critical to be aware of what fraudsters are doing and what you need to do to protect yourself.

What is Debit Card Skimming?

Card skimming occurs when the electronic information contained on your MEMBER CARD Debit Card is stolen, counterfeited and used to obtain funds from your account without your authorization. Hidden equipment, such as pin-hole cameras and card reading devices, are installed to obtain your Personal Identification Number (PIN) and card data. Often, the ATM or point-of-sale machine has been physically altered. The stolen data is then encoded onto a counterfeit card, which is used to withdraw funds without your knowledge.

What's Your Responsibility?

As a Ladysmith & District Credit Union MEMBER CARD Debit Card holder, it's your responsibility to protect your PIN as well as practice the tips below in order to protect yourself from this type of fraud. Please take a moment to record your 16-digit MEMBER CARD Debit Card number in the event that your card is lost or stolen.*

*As per your MEMBER CARD Debit Card Agreement, you cannot store your MEMBER CARD Debit Card number or Member/Account Number in the same location as your PIN (Personal Identification Number). Doing so will void the MEMBER CARD Debit Card Agreement.

How to Protect Yourself


  • Memorize your PIN. Your PIN is your electronic signature. If you disclose your PIN to someone else, you could be held liable for losses.
  • Use your hand or body to shield your PIN when you are conducting transactions at an ATM or at a point-of-sale terminal.
  • Check your transaction records against your financial statements regularly.
  • Keep a low limit on the amount of funds you can withdraw at an ATM. If your card information is jeopardized, the perpetrator only has access to limited funds, thereby reducing your potential liability.


  • Pick an obvious or common PIN. Numbers like your address, telephone number, date of birth, etc. are all easy to find out. Choose something more complicated. If you don't, you could be held liable for losses.
  • Disclose your PIN to anyone, even friends or family.
  • Let your MEMBER CARD Debit Card leave your sight when conducting a transaction. Don't let it be swiped twice and remember to obtain your card and the receipt as soon as the transaction is complete.
  • Ignore your instincts. Always be alert – if someone is watching you or makes you feel uncomfortable, cancel the transaction and use a different machine.

How we help to reduce debit fraud:

It is imperative that cardholders have the ability to protect their funds against potential fraudulent activity due to lost, stolen, or compromised cards. LDCU is pleased to offer an automated Debit Card Cancellation Hotline Service which is accessible 24/7, 365 days a year. By calling a toll-free number and following simple audio prompts, cardholders can report and cancel their lost, stolen or compromised debit card (hot-carding).

If you suspect you have been a victim of debit card fraud where it pertains to your account with Ladysmith & District Credit Union, please contact the branch right away.

If you want to report a lost or stolen debit card call Toll-free 1-866-758-5678.