With your MemberCard debit card you have access to your account 24 hours a day, 7 days a week. You can use your card in ATM's in your area or around the world as well as for Interac Point of Sale use through most retail outlets.

Click here for a listing of PenFinancial ATM locations near you.

PenFinancial MemberCard members can access hundreds of THE EXCHANGE® ATM locations across Canada. ATM fees are reduced when you use EXCHANGE® ATMs. For more information on the Exchange visit their site at www.the-exchange.ca

In the United States, you are able to conduct Point of Sale (POS) purchases at all merchants displaying the ACCEL logo. The ACCEL network is one of the largest POS networks in the United States with over 1.6 million merchants.

The top US ACCEL® retailers, but there are many more, include: