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Common Banking Questions

Don’t see the question you’re looking for? Talk to us - we’d love to help!

  • Talk to us or download the Ding Free app today to find the nearest ATM fast! 

  • Business owners, investors and students - there’s an account option for you. Just need an account for your everyday banking? We’d recommend you start with our No Fees For Me chequing account.

  • Yes! If the ATM icons match one of the icons on the back of your Member Card®, you can use it almost anywhere in the world. 

    Make it easier with the First Cheque™ Global Payment™ Mastercard®. Shop online or access ATMs anywhere and the funds will automatically move from your chequing account to the card balance. Learn More.

     

    Learn more travel tips on the Knowledge Hub.

     

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  • Make it easy with free electronic statements. Receive email notifications when your statement is ready and access up to 2 years of history in your online banking. Feel free to save them to your computer, if it’s secure. Oh - and you help us save a bunch of trees! Check your online agreement for details.

     

    Paper statements are $2.50 charge per month. Switch your options by logging in to your online banking and click Statement Preferences in the left-hand column and make your choice. 

     

    *First Calgary staff cannot email you a copy of your statement as per our Privacy Policy.

  • Visit your online banking. The number listed next to the branch name is the transit number. It’s that easy! 

     

    Don’t have online banking? Talk to us.

  • You’ll find all our hours of operation, including our holiday hours listed in our Locations section of the website.

  • Ding Free is a national network of surcharge-free ATMs. This means, you can use most credit union ATMs for free. Download the Ding Free app to find the closest ATM to you. 

     

    Not a member yet? Apply Now.

  • Update your address, contact information and occupation under the Profile and Preferences tab in your online banking. 

     

    More details? Talk to us or call our Member Care Centre at 1.866.923.4778.

  • You can use our 24-hour, self-service, telephone banking system to access your accounts anywhere in North America. Talk to us and select one of the various menu options. 

     

    Telephone banking can be accessed at 403.520.8000 or 1.866.923.4778 and features:

    • Branch and ATM Locations and Hours
    • Change Personal Access Code
    • Up-to-date account balances and transactions made since your last statement
    • Perform cheque number and transaction amount inquiry
    • Transfer funds between accounts
    • Make bill payments
    • Report your First Calgary Financial Mastercard® Lost or Stolen

    Want to sign up? Talk to us in branch or call us at our Member Care Centre at 1.866.923.4778.

  • Need an insurance quote? Inquire now.
     

    To make a CUMIS insurance claim, call 1.800.810.2847.

  • We sure do! It’s a secure way to make purchases that are automatically debited from your account. Hold your MemberCard in front of the merchant’s payment terminal that supports the tap function. A beep and/or ‘approved’ message will acknowledge your transaction is complete. No need to punch in your pin. 

     

    INTERAC® Flash uses secure chip processing to protect against skimming, counterfeiting and electronic pickā€pocketing.

     

    Are there spending limits?

     

    Yes. Spending limits provide an added layer of protection by occasionally prompting you to enter your PIN when your limit is reached. This will validate that you are the legitimate cardholder.

     

    You can spend up to $200 ($100 groceries + $50 gas + $50 other) per day, with each transaction allowing for a maximum of $100. Once you’ve hit your limit the terminal will ask you to insert your card and pin to complete the payment. 

  • FCF_MobilePay_LandingPage (1).jpg

     

    Of course! Life’s tricky, paying shouldn’t be. Members can pay with Interac® Flash on Android* phones by downloading the latest version of the First Calgary banking app. Once you’ve created your PIN on an active flash card, you can use it at any location where INTERAC® Flash is available in Canada.

     

    Mobile Pay is for Android users who use debit frequently for payment, and want a secure, contactless payment functionality with all the benefits of INTERAC® Flash, with the added convenience of securely paying for smaller purchases without your Member Card®.

     

    Note: Apple Pay is not available with First Calgary right now. Credit Unions are working to progress discussions with Apple on service availability in the future. In the meantime, we’re delighted to be able to bring an Android solution to First Calgary members!

     

    How to use it:

     

    • Download the latest First Calgary Financial Mobile Banking App (if you haven’t already!) onto your Android* phone.
    • Tap on the Mobile Pay feature on the Mobile App homepage.
    • Select the debit card you’d like to activate Mobile Pay for from the list shown.
    • Set a passcode to use for Mobile Pay.
    • Select your preferred security options and tap SAVE.
    • Review your settings and account details, and tap DONE.
    • Your Android phone now has Mobile Pay activated on it!

    How to use it once installed:

     

    Simply hold your unlocked Android phone near payment pad, follow the instructions on the screen and wait for the purchase to be approved. Transactions occur in real time and will show in the account history immediately after the purchase has been approved. 

     

    And don’t worry.  It’s secure. With protection including passcode verification, transaction limits and zero customer liability, you can feel confident using Mobile Pay for any Interac Flash purchase. For purchases over $100, you’ll be asked to enter your Mobile Pay passcode. From time to time, you may also be asked for the passcode. It’s a little extra security for your benefit. Card information is not stored on the mobile device. 

     

    Still need help? Talk to us at 1.866.923.4778

  • Email transfer (this may have a fee, depending on the account you are on):

    Login to your online banking. Select ‘Send Interac e-Transfer’ under the ‘Transfers’ tab in the left-hand column and follow the directions on the page.

     

    To another First Calgary Financial member (this is free):

    Transfers can be completed once they are set-up in your online banking environment. To set that up, visit your nearest branch or call our Member Care Centre at 1.866.923.4778. All you need to have is the account number of the other party and we will take care of the rest. Once this is set up you’re able to log into your online banking to complete transfers to another member under the ‘Transfers’ tab in the left-hand column.

  • Login to your online banking.

     

    Select ‘Western Union® Money Transfer’ under the ‘Transfers’ tab in the left-hand column, then follow the directions on the page.

     

    Your Interac® eTransfer sender profile must be set up prior. You will be prompted to do so in your online banking to set this up. 

  • Wire transfers are available to our members in many currencies! 

     

    First step? Pop by your local branch. We can help you through the process. We’ll need some specific information about you and the sender/recipient such as personal and account information. 

     

    Receiving A Transfer

     

    If you are receiving a wire in Canadian dollars, please provide the information on this form to the sender to include in the wire instructions. The wire may not reach you if any of the information below is incorrect or missing.

     

    If you are receiving a wire in U.S. dollars, please complete the information on this form because First Calgary Financial doesn’t receive U.S. wires directly. Instead, they are routed through our wire services provider, Custom House UK (a Western Union® company). Please provide all of the information below to the sender to include on the wire instructions. The wire may not reach you if any of the information below is incorrect or missing. 

     

    ** The 12 Digit Member Account Number is comprised of the; Product # (2 digits) + Sub # (3 digits) + Member # (7 digits - precede member number with zeros if less than 7 digits).

     

    Sending A Transfer

     

    If you are sending a wire transfer, visit your local First Calgary Financial branch, and bring the following information regarding the person or business you are sending money to:

    • Recipient's full name and address
    • Recipient's Account Number
    • Recipient's Branch Number and full address
    • Recipient's Financial Institution routing number
    • SWIFT Code (if known)
    • ABA number (US wires)

     

  • Common shares are an investment in the credit union. They are best suited for long-term investing or retirement portfolios. Dividends are paid out annually, so every year you’ll benefit while saving for the future. The rate varies from year to year. Interested in common shares? Learn More.

  • Life’s full of surprises. That’s why all of your invested capital and investment income on any of our fixed term investment options are 100% guaranteed*. Keep the adventure in your life and out of your investments.

     

    *All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation. Excludes common shares, investment shares, and mutual funds.