What's New?

Google Pay & Apple Pay

Pay faster with your phone.

Your Radius Credit Union Membercard Debit Card can now be added to mobile wallet. It’s fast, secure, & easy to set up and use. Whether you use an iPhone or Google pay, you can take advantage of this free service.

GET SET UP - YOU'RE ONLY A FEW STEPS AWAY



HOW TO PAY WITH GOOGLE PAY AND APPLE PAY

Apple Pay

Paying in stores 

Apple Pay is the easiest way to pay in stores with your iPhone and Apple Watch. You can quickly check out using the devices you carry every day.* 

Paying in apps and on the web 

Use Apple Pay to make purchases in all kinds of apps on your iPhone and iPad. Paying is as simple as selecting Apple Pay at checkout and completing the payment using Face ID or Touch ID.

Apple Pay is also the easier, safer way to pay online in Safari on your iPhone, iPad and Mac, as you no longer have to create an account or fill out lengthy forms. Simply pay and go. You can also pay on your MacBook Pro using Touch ID.*

Legal 
*Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in apps and websites in Safari; and with Mac (2012 or later) in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/km207105.

Google Pay

With your smartphone: 

  1. Unlock your phone. 
  2. Hold your phone over the terminal until you see a blue check mark on the screen.

With your wearable: 

  1. On your watch, open the Google Pay app. 
  2. Hold your watch over the contactless payment terminal until you hear a sound or feel vibration from your watch.

When paying within apps: 

With Google Pay, you can check out in apps without having to enter your payment information. Shop, order takeout, or get tickets with the simple press of a button.

Where to Use Google Pay

Google Pay using your Radius Credit Union Member Card works wherever Interac Flash® logo or contactless symbol at the checkout. Some stores will also display the Google Pay logo.



FREQUENTLY ASKED QUESTIONS - APPLE PAY

Is Apple Pay® free?
Yes, there are no fees to use or register your card with Apple Pay®. If you pay transaction fees for your account, each transaction in Apple Pay® will count as an additional transaction. Your wireless carrier may charge additional fees for data usage.

Which Radius Credit Union cards can I use with Apple Pay®?
Radius Credit Union's MEMBER CARD® debit cards are currently available for Apple Pay®.

How many devices can I add my card to?
There is no maximum number of devices to which you can add your MEMBER CARD® debit card for Apple Pay®.  However, you are responsible for verifying the validity of the debit card on that device, and for any charges made with the card to the account – unless there has been a fraud.

How do I make my Radius Credit Union MEMBER CARD® debit card the default card in Apple Pay®?
The first card added to Apple Pay® is automatically set to be the default card.  To change your default card, open the Wallet app, hold and drag your Radius Credit Union card to the front. You may also:
1.    Open "Settings" and select "Wallet & Apple Pay®"
2.    Select "Default Card" under "Transaction Defaults" and choose your Radius Credit Union card.

On which devices will Apple Pay® work?
Apple Pay® works on the iPhone® 6 and newer, iPhone® SE, Apple Watch Series 2, and any Apple Watch paired with iPhone® 5 or later.

Which devices can I use for in-store payments?
Every eligible iPhone® can make in-store payments.

Does Apple Pay® work internationally?
Apple Pay® using your MEMBER CARD® debit card works wherever INTERAC® Flash is accepted. At this point, INTERAC Flash is only accepted in Canada.

Do I need network access to make a purchase?
No. Your phone (powered and unlocked) has everything you need to complete a purchase at a retailer, whether or not you have network access at that time.  As with card purchases, you may not complete a purchase if the retailer's POS terminal is off-line or unavailable.  You will need network access to receive transaction notifications from Apple.

Which merchants accept Apple Pay®?
Apple Pay® is accepted by many retailers, with more being added all the time. Just look for retailers that display the Apple Pay® or contactless logo for in-store purchases.  To view a list, visit www.apple.com/ca/apple-pay/

Is there a maximum dollar amount for a purchase?
No, there is no maximum value for Apple Pay® transactions, since each purchase is verified within Apple Pay® using Touch ID or passcode (as long as you do not exceed your MEMBER CARD® ATM and Point-of-Sale (POS) daily spending limit).

Is my account number stored on my phone?
No, your account number is replaced with a secure digital number known as a token. The token represents your Radius Credit Union card and is used to make secure purchases, both in-app and in-store.

How is Apple Pay® secured?
Each Apple Pay® transaction requires your authorization through TouchID or a passcode. Your card number is not shared with the merchant or saved on your iOS device, instead using a secure token to complete the purchase.

How do I do a refund?
Refunds are initiated by the merchant at their POS terminal, following the same rules as refunds do today. It is recommended that you bring your physical card with you.

What if my device is lost or stolen?
If you have any reason to believe your Radius Credit Union MEMBER CARD® debit card details used for Apple Pay® have been stolen or compromised, please call your local Radius Credit Union Branch – our phone numbers can be found here. You can remove your card remotely using Apple's "Find my iPhone®".

If I get a new Radius Credit Union debit card, do I have to update Apple Pay®?
Yes, please delete the previous card and add the new card as normal.

Can I remove my card from Apple Pay®?
To remove a card from Apple Pay® on an iPhone®:
1.    Open your Wallet App and select the card you would like to remove
2.    Touch the information button in the bottom right corner (underneath recent transactions)
3.    Select "Remove Card"

I'm having trouble with Apple Pay®. Who do I contact?
If you are having difficulty with Apple Pay®, please call your local Radius Credit Union Branch – our phone numbers can be found here.



FREQUENTLY ASKED QUESTIONS - GOOGLE PAY


Am I eligible for Google Pay?
If you have a Radius Credit Union Member Card and an eligible Android device, then you can get Google Pay! Google Pay is available to consumers and small businesses.

Can I use my Google Watch with Google Pay?
Yes, you can add a card to Google Pay on your Google watch as well as other Wear OS devices paired with a phone; such as Huawei Watch 2, LG Watch Sport, and LG Watch Urbane 2.

Can I use my Radius Credit Union Mastercard with Google Pay?
Google Pay is being launched first with Radius Credit Union Member Card, allowing you to make everyday purchases directly from your (CU) account. We know that some (CU) members prefer to pay with (CU Credit Card) and we are currently researching supporting this option.

How many cards can I add to Google Pay?
You can add multiple payment cards and loyalty cards to Google Pay.

Which account should I use for Google Pay?
If you are activating a Radius Credit Union Member Card that you use today to make purchases using Interac® Debit, Google Pay will use the same account (chequing or savings). You may change the default account either on-line or by contacting one of our branches.

What else do I need to do to set myself up?
You are required to securely identify yourself to add your debit card to Google Pay. After adding your Radius Credit Union Member Card to Google Pay, you will be presented options to verify your identity by calling the (CU) contact center or by entering a one-time passcode delivered to you via email or SMS message if you have an eligible email or cell phone number on file with us. These verification steps are designed to protect you against fraud. Once verification has been completed, you may use your Radius Credit Union Member Card to make purchases with Google Pay.

Can I add a second account or card to Google Pay?
Yes. You can add multiple cards to Google Pay, you can also add an unlimited number of loyalty cards.

How many devices can I add my card to?
There is no maximum number of devices to which you can add your Radius Credit Union Member Card for Google Pay. However, you are responsible for verifying the validity of the Radius Credit Union Member Card on each device, and for any charges made with the card to your account.

What are the Terms & Conditions of using my Radius Credit Union Member Card in Google Pay?
Google Pay is governed in accordance with the Terms and Conditions that you accepted when adding your card to Google Pay, and the debit card agreement that you signed when receiving your card.

Is additional information being captured about me when I use Google Pay?
Google does not collect and store details on Google Pay financial transactions. To learn how Google protects your personal information, transaction data, and payment information when you use Google Pay, visit their website: https://support.google.com/pay/answer/7643925?hl=en

PAYING WITH GOOGLE PAY

How do I make a purchase with Google Pay?

With your smartphone:
1.    Wake up your device.
2.    Hold your phone over the terminal until you see a blue check mark on the screen.

With your wearable:
1.    On your watch, open the Google Pay app.
2.    If prompted, authenticate using the method you have setup for your device.
3.    Hold your watch over the contactless payment terminal until you hear a sound or feel vibration from your watch.

Is there a cost to using Google Pay?
No. Google Pay is included as part of your (CU) account. Each payment will count as an additional debit transaction, if you pay transaction fees for your account. Please contact (CU) any time to discuss the right account package for you.

How do I know when a purchase is complete?
Google Pay transactions will show a blue checkmark when the transaction is processed.

Where can I pay with Google Pay?
Google Pay using your Radius Credit Union Member Card works wherever Interac® Flash is accepted. Just look for the Interac® Flash logo or contactless symbol at the checkout. Some stores will also display the Google Pay logo.  International purchases using Google pay is not supported on (CU Debit cards).

How do I view recent Google Pay transactions?
To view your most recent Google Pay transactions, simply tap on your Radius Credit Union Member Card and scroll down to view your card transaction details.

Will I receive a notification on my phone for a declined transaction?
Yes, you will receive notifications for both declined and approved transactions.

CALL US IF…
My device was lost or was stolen, and I want to delete my card. What do I do?
If your device has been lost or stolen, call us your local branch right away – our phone numbers can be found here. to remove your card from Google Pay. You can also log in to Find My Device and select Erase Device to permanently remove all data, including any payment cards enabled in Google Pay.

I’m having trouble with Google Pay. Who do I contact?
If you are having difficulties with Google Pay, please call your local Radius Credit Union Branch – our phone numbers can be found here - and we will be happy to answer your questions.).

SECURITY & TECHNOLOGY
What is NFC?
NFC stands for Near Field Communication, which is a contactless proximity technology – the same technology that powers Interac® Flash cards. It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm. In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.

How do I know if a terminal accepts NFC?
Just look for the Interac® Flash logo or the contactless symbol at checkout to know if a terminal is capable of NFC technology.

How does the technology work?
When you register a card with Google Pay, the card is assigned a device account number. The device account number is different from your physical card number and is unique to your device. Your device account number is used to make purchases with Google Pay.

Are Google Pay transactions secure?
Yes. Google Pay protects your payment info with multiple layers of security, device lock screens, remote device wiping, and tokenized card numbers are security features of Google Pay. Google Pay’s tokenization process offers notable security benefits to customers, when a CU member adds a debit card to their Google Pay app, a token is issued. A token is a unique identification number associated with it.

ALERTS! Protect Yourself From Fraud!

Do you use MemberDirect® Online Banking? If you do then it is important that you take some time to set up ALERTS! Member alerts are a form of protection from fraudulent activity on your MemberDirect® Online Banking.

Alerts can notify you when:
a)    A new payee is added to your account
b)    Your PAC (personal access code) has been changed
c)    Your online banking account has been locked out due to either an incorrect PAC or incorrect security question response
d)    There has been an online log in to your account
e)    An INTERAC® e-transfer recipient has been added

Once you have signed up for alerts if you are notified of any of the above activity that you have not initiated it is important to contact your local branch to ensure you are not a target of any fraudulent activity.

How to set up ALERTS

1.    Go to www.radiuscu.com
2.    Log into MemberDirect® Online Banking
3.    Click Messages & Alerts on the left hand side
4.    Under Alerts click Get Started Today at the bottom
5.    Click on the alert you would like to set up
6.    Click “Get Started”, then read and accept the alerts agreement to continue
7.    On Add Alerts contact page enter the required information and click continue
8.    A “passcode” will be sent to your phone via text – you must enter this 1 time code on the passcode screen
9.    On the Mobile Nicknames screen you have the option to edit the account nicknames that will be used for alerts. Edit these as you wish and then click submit
10.    On create alert page you can choose to receive alert by text, email or both, then click submit
11.    The chosen alert should now show under the active alerts.

NOTE: You will not need to complete all 11 steps to add additional alerts. Simply choose another alert (as you did in step #5), click add, choose the method of contact for the alert (email, text or both) and click submit.
If you have any questions about alerts or how to set them up please contact your local branch.

It's Here! INTERAC e-Transfer® Transactions are now available!

What you need to know:
•    INTERAC e-Transfer® transactions are a secure, safe way to send and receive money directly to and from your account. Email or mobile phone messages are sent to alert the recipient of the pending transfer, the recipient uses the password provided by the sender to accept the funds and the transfer is processed using established and secure banking procedures.
•    While INTERAC e-Transfer®  transactions are a safe way to send funds always be careful as an INTERAC e-Transfer® transaction cannot be reversed once accepted by the recipient
•    You can receive funds anywhere! When an INTERAC e-Transfer® transaction is sent to your mobile phone you can simply click the link and accept the deposit! Fast, easy, and efficient!
•    While there is a small fee to send money via e-Transfer, it is free to receive funds through this method.
•    Although INTERAC e-Transfer® transaction is regarded as a safe way to send funds all electronic communication poses a risk for fraud. We ask that all of our MemberDirect® onlince banking users sign up for alerts through MemberDirect® online banking to help eliminate the chances of fraudulent activity.

Sending an INTERAC e-Transfer®
An INTERAC® e-Transfer transaction can be sent from a desktop computer or on your smartphone through mobileweb.
1.    Go to www.radiuscu.com
2.    Log into MemberDirect® Online Banking
3.    Click on Transfers on the left hand side
4.    Click Send INTERAC e-Transfer®
5.    By “Transfer To” click Add New Recipient
6.    On the Add Recipient Page fill out the information, you can fill in email, mobile phone number or both, then click add recipient. Please note daily dollar limits have been set on e-Transfers.
7.    On the Send INTERAC e-Transfer® page fill in all the information, then click “Send Transfer”
NOTE: You need to provide the recipient with their specific answer/password that you have created so that they can accept the transfer.  This password should NEVER be sent in the e-Transfer message to the recipient, it should be provided as a separate communication.

Receiving an INTERAC e-Transfer®
Receiving an INTERAC e-Transfer® is very easy! Simply click on the link received via email or text message and follow the steps. You will need to choose your financial institution and you will also need the “answer” or “password” from the sender.


If you have any questions regarding sending/receiving an e-transfer please contact your local branch.

 

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