StellerVista All Terrain Debit Card
Funded Locally. Accepted Globally.
No matter where you’re headed or how you get there, the StellerVista All Terrain Debit Card is built to go with you. It’s tap-enabled for quick in-store purchases, includes Visa Debit for online shopping, and is accepted internationally wherever Visa is accepted. Because it’s a debit card (not a credit card), purchases come directly from the funds in your account—there’s no borrowing and it isn’t a credit product. As such, it means that members under 19 can have it 🎉. And more good news, you have the option to use it with Apple Pay, Google Pay, or Samsung Pay—so paying can be as simple as a tap with your phone or watch.
Start Local. LiveSteller!
Now through December 31, you can earn your chance to win $5,000 cash, just by using your Visa Debit card. Any time you make a purchase via tap, chip-in, point of sale, online, or by mobile wallet, you are automatically entered!
Nothing more to sign up for, nothing more to do – just a great chance to be rewarded for doing your daily banking with StellerVista!
No purchase necessary. Open to BC residents 19+ who are or become StellerVista members in good standing. Entries capped at 10 per member per calendar day. Conditions apply. Full rules at stellervista.com/livesteller. This contest is in no way sponsored, endorsed or administered by Visa Inc. or Visa Canada.
Shop In-Store Internationally
Visa Debit is accepted in over 200 countries outside Canada, making it a safe, easy way to pay while you’re away.
Convenient
Because purchases come directly from your account, it’s easy to track spending and stay in control of your finances.
Tap to Pay with Interac® Flash
Your card includes secure chip technology and Interac® Flash for quick, contactless payments.
Shop Securely Online
Use Visa Debit to shop online within Canada for food delivery, mobile apps, subscriptions, and more.
*Trademarks of Visa Int., used under license.
Visa Debit Is Here!
You should have received your new StellerVista Visa Debit Card in the mail this July — and it’s important to begin using and activate your new card as soon as possible.
Your new card gives you more freedom in where and how you spend, including shopping online, paying through mobile wallets, and tapping with confidence here at home and around the world. It’s still your everyday debit card, drawing directly from the money in your account — it’s not a credit card — just with greater reliability and more ways to pay.
Once your new Visa Debit Card is activated and working, please dispose of your previous debit card securely. If you have not yet received your new card, please contact us so we can assist you.
What is a Visa Debit Card?
It’s your everyday debit card with more capability. Like your current card, it draws on the money in your own account — it is not a credit card and isn’t borrowing money. What’s new is where and how you can use it: alongside everyday purchases in Canada, a Visa Debit Card lets you shop online, pay through mobile wallets, and use your card more reliably when you travel abroad — anywhere Visa Debit is accepted. Every member with an active debit card will receive one automatically in the mail, expected to arrive during the month of July.
What do I need to do?
There’s nothing to sign up for and nothing to set up. If you currently have an active StellerVista Debit Card, your new card will arrive in the mail as a replacement for your current one.
Will I need to set a new PIN?
No. Your existing PIN carries over to your new card, so you can start using it right away — exactly the way you use your card today. (As with any debit card, your first tap will work after you’ve completed one chip-and-PIN purchase.)
Why are we making this change?
The Visa Debit Card is a meaningful upgrade. It lets you shop online directly with your debit card, works with mobile wallets, and offers significantly more reliable tap and point-of-sale transactions — both in Canada and abroad.
Where will my new card work?
Everywhere your current debit card works in Canada, plus more. Your new Visa Debit Card is built for greater reliability at checkout and on tap, and it opens up online shopping, mobile wallets, and far more dependable use when you travel internationally. While it isn’t a credit card, it’s accepted at most places that accept Visa.
What should I do when my card arrives?
Just start using it, and safely destroy your old card. You will need to insert your card at a point of sale terminal and use your PIN one time before tap will work – as soon as you do that one time, tap is activated!
More Debit Card Information:
Receiving a new card by mail? If your new card is a replacement, your current PIN remains active and is ready for use. For new cardholders, a confidential PIN will be mailed to you shortly, and you will need this before using the card. In both cases, you may change your PIN at any branch or through any credit union ATM at your convenience.
How to pay using Interac Flash: At any terminal that accepts Interac Flash, simply follow these steps:
- Hold your card no more than 4 cm in front of the terminal
- A beep and/or approved message will indicate your transaction is done
- The purchase amount will be deducted automatically from your everyday bank account
Note: For security purposes, we’ve set spending limits for your Interac Flash transactions:
- A single transaction can’t exceed $250
- There is a $400 cumulative daily spending limit
First-Time Use and Troubleshooting Tips for StellerVista Debit Cardholders:
- For all our debit cardholders, we would like to remind you that your card’s first use must be authenticated using the chip and PIN method. This initial step is crucial for activating your card’s full range of capabilities.
- Additionally, in the event that the tap function does not work on subsequent transactions, please use the chip and PIN option to ensure your transaction is processed successfully.
When you reach one of these limits, you’ll be prompted to insert your debit card and enter your PIN. This is an added layer of protection that confirms you are the legitimate cardholder. Insert your card, enter your PIN, and your Interac Flash limits are reset.
No matter where you’re headed or how you get there, mobile wallets give you another easy way to pay with your StellerVista All Terrain Debit Card. Set up your card with Apple Pay, Google Pay, or Samsung Pay to make secure purchases in-store with your phone or watch—no need to reach for your physical card. It’s a simple, tap-and-go option built for everyday life, whether you’re running errands around town or on the move.
Mobile Wallet Providers
Google Pay™
Google Pay is the fast, simple way to pay in millions of places — online, in stores, and more.
When you pay in shops, Google Pay doesn’t share your actual card number, so your information stays secure.
Plus, you can check out faster with the device that’s already in your hand – no need to dig for your wallet.
Apple Pay®
StellerVista is pleased to offer you an easy and secure way to make everyday purchases!
Paying in stores with Apple Pay is easy, safe and private.
Your card details are not shared during a transaction, keeping your transactions private.
Samsung Pay
Making everyday purchases is fast, more secure and convenient with Samsung Pay.
Protected by Samsung’s security platform, Samsung Knox, important user data is protected and all purchases require authorization.
Network tokenization technology prevents your card number from being transmitted to merchants.
Frequently Asked Questions
General
Terms and Conditions (for all mobile wallets)
Mobile Wallet Terms of Use
Introduction
These Terms of Use (“Terms”) govern your use of any eligible Credit Union debit card (“Card”) when you add or keep your Card in a mobile wallet (“Wallet”) for use on any eligible device (“Device”) that supports the use of the Wallet.
Please read these Terms carefully. If you add or activate your Card for use in a Wallet, it means that you accept and agree to these Terms. In these Terms, “you” and “your” means each Credit Union member who has been issued a Credit Union Card. “We”, “us”, and “our” mean Credit Union.
Other Documents and Agreements
These Terms are in addition to, and supplement, all other agreements between Credit Union and Member regarding Credit Union’s products and services. If there is any conflict or inconsistency between these Terms and the other agreements, then these Terms will take priority and govern with respect to the Wallet service.
You understand that your use of the Wallet will also be subject to agreements or terms of use with the relevant Wallet Provider (“Wallet Provider”) and other third parties (such as your wireless carrier and the websites and services of other third parties integrated with the Wallet).
Use of Cards in the Wallet
If you want to add a Card to a Wallet, you must follow the procedures adopted by the Wallet provider, any instructions provided by us, and any further procedures the Wallet provider or we adopt. You understand that we may not add a Card to a Wallet if we cannot verify the Card, if your account is not in good standing, if we suspect that there may be fraud associated with your Card or for any other reason we determine at our sole discretion. The Wallet allows you to make purchases using your Card wherever that Wallet is accepted. Wallets may not be accepted at all places where your Card is accepted.
Removal, Blocking, or Suspension of Card
We may not permit the addition of a Card to a Wallet, or we may remove, suspend or cancel your access to a Wallet at any time, if we cannot verify the Card, if we suspect that there may be fraud associated with the use of the Card, if your account is not in good standing, if applicable laws change, or for any other reason we determine at our sole discretion.
You may suspend, delete or reactivate a Card from a Wallet by following the Wallet Provider’s procedures for suspension, deletion or reactivation. In certain circumstances, your Card may be suspended or removed from the Wallet by the Wallet Provider.
Maximum Dollar Limit
Payment networks, merchants or we may establish transaction limits from time to time in their or our discretion. As a result, you may be unable to use a Wallet to complete a transaction that exceeds these limits.
Applicable Fees
We do not charge you any fees for adding a Card to the Wallet. Please consult your Card agreement for any applicable fees or other charges associated with your Card.
Your mobile service carrier or provider, Wallet Provider or other third parties may charge you service fees in connection with your use of your Device or the Wallet.
Security
You must contact us immediately if your Card is lost or stolen, if your Device is lost or stolen, or if your Card account is compromised. If you get a new Device, you must delete all your Card and other personal information from your prior Device.
You are required to contact us immediately if there are errors or if you suspect fraud with your Card. We will resolve any potential error or fraudulent purchase in accordance with the applicable account agreement.
You agree to protect and keep confidential your Wallet Provider ID and passwords. If you share these credentials with others, they may be able to access a Wallet and make purchases with your Card or obtain your personal information.
Before using a Wallet, you should ensure that only your credentials are registered on your Device as these will then be considered authorized to make transactions related to your Card. If the credentials of another person are used to unlock your Device or make transactions, these transactions will be deemed to be authorized by you.
You are prohibited from using a Wallet on a Device that you know or have reason to believe has had its security or integrity compromised (e.g. where the Device has been “rooted” or had its security mechanisms bypassed).
The Wallet Provider is responsible for the security of information provided to them or stored in the Wallet
Liability for Loss
You are solely responsible for all account transactions made using your Card processed through a Wallet. You are responsible for the completeness and accuracy of the account information you enter into the Wallet. Only the individual member whose name is associated with the Card should add the Card to a Wallet.
Privacy
You consent to the collection, use and disclosure of your personal information from time to time as provided in our privacy policy, which is available on our website. We may share with or receive from the Wallet Provider such information as may reasonably be necessary to determine your eligibility for, enrollment in and use of a Wallet or its features you may select (for example, your name and details such as Card number and expiry date).
The Wallet Provider may aggregate your information or make it anonymous for the purposes set out in its privacy policy or terms of use. To help protect you and us from error and criminal activities, we and The Wallet Provider may share information reasonably required for such purposes as fraud detection and prevention (for example, informing the Wallet Provider if you notify us of a lost or stolen Device).
Communications
You agree to receive communications from us, including emails to the email address or text message to the mobile number you have provided in connection with your Card account. These communications will relate to your use of your Card(s) in the Wallet. You agree to update your contact information when it changes by contacting us. You may also contact us if you wish to withdraw your consent to receive these communications but doing so may result in your inability to continue to use your Card(s) in the Wallet.
No Warranty and Exclusion of Liability
For the purpose of this Section, “Credit Union” means Credit Union and its agents, contractors, and service providers, and each of their respective subsidiaries. The provisions set out in this section shall survive termination of these Terms.
The Wallet service is provided by the Wallet Provider, and Credit Union is not responsible for its use or function. You acknowledge and agree that Credit Union makes no representations, warranties or conditions relating to the Wallet of any kind, and in particular, Credit Union does not warrant: (a) the operability or functionality of the Wallet or that the Wallet will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which payments with the Wallet are available; (c) that the Wallet will meet your requirements or that the operation of the Wallet will be uninterrupted or error-free; and (d) the availability or operability of the wireless networks of any Device.
Credit Union will have no liability whatever in relation to the Wallet, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of the Wallet, or any loss, injury or inconvenience you suffer. You may want to consider keeping your physical Card with you to use in the event you cannot make Wallet transactions.
Changes to the Terms of Use
We may change these Terms, or the agreements associated with the use of your Card with the Wallet. You agree to any changes to these Terms or agreement(s) associated with the use of your Card or account by your continued use of your Card with the Wallet. If you do not accept the revised Terms or agreement(s), you must delete your Card from the Wallet.
Contacting Us
You may contact us about anything concerning your Card or these Terms by calling the phone number found on our website.
If you have any questions or complaints about the Wallet, or disputes with the Wallet Provider, you should contact the Wallet provider.
Apple Pay
How do I set up Apple Pay on my device?
iPhone:
- Open the Wallet app.
- Tap in the upper right corner.
- Follow the onscreen instructions to add your StellerVista card.
Apple Watch:
- Open the Apple Watch® app on your iPhone.
- Go to the My Watch tab.
- If you have multiple watches, choose one.
- Tap Wallet & Apple Pay and select Add Credit or Debit Card.
- Follow the onscreen instructions to add your StellerVista card.
iPad:
- Go to Settings.
- Open “Wallet & Apple Pay”.
- Select “Add Credit or Debit Card.”
- Follow the onscreen instructions to add your StellerVista card.
MacBook Pro:
- With Touch ID, go to System Preferences.
- Select “Wallet & Apple Pay”.
- Then select “Add Card.”
- Follow the onscreen instructions to add your StellerVista card.
Wallet app icon:
How do I pay with Apple Pay?
With your smartphone:
- Double-click the side button (if your iPhone has Face ID). If prompted, authenticate with Face ID or enter your passcode to open Apple Wallet.
- If your iPhone has Touch ID, double-click the Home button.
- To use a different card, tap your default card to see your other cards. Tap a new card and authenticate.
- Hold the top of your iPhone near the contactless reader until Done and a checkmark appear on the display.
With your wearable:
- Double-click the side button.
- Your default card opens automatically. Scroll down to choose another card.
- Hold the display of your Apple Watch near the contactless reader until you feel a gentle tap and hear a beep.
In-app or online:
- You can also pay on the web or in-apps at online retailers that accept Interac® Debit for Apple Pay.
How do I make StellerVista my default card in Apple Pay?
If your StellerVista card was not the first added to your Wallet, you can still make it your default card.
The process is different for the iPhone and the Apple Watch.
iPhone:
Open the Wallet app. Go to Settings > Wallet & Apple Pay. Tap Default Card, then choose your StellerVista card.
Apple Watch:
Open the Apple Watch app on your iPhone. Tap the My Watch tab, tap Wallet & Apple Pay > Default Card, then choose your StellerVista card.
Where can I use Apple Pay?
Apple Pay using your StellerVista debit card or credit 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 Apple Pay logo.
Where can I find more resources?
Discover all they ways to use Mobile Wallet at https://www.apple.com/ca/wallet/.
Google Pay
How do I set up Google Pay on my device?
- Open Google Wallet™ or download it on Google Play.
- Open the Google Wallet app.
- Tap the (+) sign.
- Follow the on-screen instructions to add your StellerVista debit card or credit card
- Open Google Wallet on the watch.
- Tap (+) to Add Card to choose from cards on your phone.
- Follow the on-screen prompts to complete setup.
How do I pay with Google Pay?
- Wake up your device.
- If prompted, authenticate using the method you have setup for your device.
- Hold your phone over the terminal until you see a blue check mark on the screen.
- On your watch, open the Google Wallet app.
- If prompted, authenticate using the method you have setup for your device.
- Hold your watch over the contactless payment terminal until you hear a sound or feel vibration from your watch.
- You can also pay on the web or in-apps at online retailers that accept Interac® Debit for Google Pay.
How do I make StellerVista my default card in Google Wallet
- Open the Google Wallet app.
- On the bottom, tap Payment.
- Tap card you want to make your default.
- Turn on Default for in-store purchases.
- On your watch, open the Google Wallet app.
- Scroll to the card you want to use as default and then tap it.
- From the bottom, swipe up on More.
- Tap Set as default card.
Where can I use Google Pay?
Google Pay 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.
Where can I find more resources?
Discover all the ways Google Pay can be utilized at https://wallet.google/.
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
Samsung Pay
How do I set up Samsung Pay on my device?
Samsung Wallet comes pre-installed on most recent Samsung phones. If you don’t have the app, you can download it from Galaxy Apps or the Google Play Store.
You’ll need to be signed in to your Samsung account to use Samsung Wallet.
- Open ‘Samsung Wallet’ app and register your Samsung Wallet PIN.
- Follow on screen instructions to add your StellerVista debit or credit card.
- Select your preferred method to verify the card.
- Select your desired security or authentication options.
You’re all set to start using Samsung Pay!
Wallet icon:
How do I pay with Samsung Pay?
To make a payment with your Samsung smartphone:
- From the lock screen, swipe up from the home button or open the Samsung Wallet app.
- Select your StellerVista debit card or credit card and authorize the payment using your PIN or fingerprint.
- Hold your phone over the payment terminal to complete your transaction.
Where can I use Samsung Pay?
You can use your StellerVista debit card or credit card wherever Interac® Flash is accepted. Just look for the Interac® Flash logo or contactless symbol at the checkout.
Where can I find more resources?
Discover all the ways to maximize your Samsung Pay experience at https://www.samsung.com/ca/apps/samsung-pay/
Apple Pay and Apple Wallet are trademarks of Apple Inc
Samsung Pay and Samsung Wallet are registered trademarks of Samsung Electronics Co., Ltd.
Google Pay and Google Wallet are trademarks of Google LLC.