Member Updates

COVID-19 Member Updates Expand/Collapse

April 13, 2020

Collabria is introducing a Temporary Interest Rate Reduction option to their Payment Deferral program.

Minimum Payment Deferral

Cardholders impacted by COVID-19 can request Deferral of Minimum Payments and the Promotional Interest Rate bundle will be approved for up to 3 months at a time. Members are asked to call the Collabria Contact Centre at 1-855-341-4643 to request Deferral of Minimum Payments. Cardholders can call in after 3 months and can be extended to 6 months, if needed.*

Reduced Interest Rate of 10.9%

Members who are Collabria cardholders and are experiencing a financial hardship due to the impacts of COVID-19 are asked to call the Collabria Contact Centre at 1-855-341-4643 to request their interest rate be reduced to 10.9% for up to 6 months. Interest rates on purchases and cash advances reduced to 10.9% for up to 6 months.^

Click Here for Full Details

*Cardholder can apply to defer their payments in three-month increments, with an option to extend for another three months if they are still experiencing financial hardship due to the COVID-19 pandemic.

^This offer will be available to all qualified cardholders, except those with Centra Gold cards who are already in a low interest rate product (note - Cardholders with Centra Gold will continue to be eligible for the Payment Deferral program).




March 30, 2020

Temporary Reduction of Hours

Nothing is more important to us than the well-being of our team, our members, and the community we serve.

For this reason, as of Thursday, April 2, 2020 we have decided to further reduce our operating hours at our only open branch (6701 Tecumseh Road East) to the following:

Monday - Friday from 10:00am - 3:00pm


Please only visit the branch if you need one of the following:

  • Large Cash withdrawal over $500
  • Deposit or Withdraw of American Cash
  • To set up a new Flex Card Debit Card
  • Obtain a Bank Draft/Official Cheque

Most other transactions can be completed by ATM, Online Banking, Member Assistance Phone Line, Mobile App


Our Member Assistance Line (519-944-7333) will continue to be available Monday - Friday from 9:00am - 5:00pm. This service is operated by Motor City staff and we strongly encourage members to call ahead and see if your inquiry/transaction can be done outside of the branch.

To see a full list of how to Bank Outside the Branch click here



March 25, 2020

Motor City continues to actively monitor the situation with COVID-19. At this time our branch structure and closures will remain the same as communicated on March 19th with only our Tecumseh Road East Branch and Commerical Lending Center open both Monday to Friday, 9AM-5PM.

Reminders and New Updates:

  • We continue to remind members to avoid banking in branch as much as possible. An extensive list of ways to bank outside of the branch can be found below in our March 19th update or by clicking here. Some new actions we are taking in branch:
    • Limiting the amount of members who may enter the branch, to avoid delays or waiting in line please bank outside of the branch
    • Adding floor guidance for social distancing measures to protect you and our staff
  • We strongly encourage members to utilize our Member Assistance line at 519-944-7333 (Monday to Friday, 9AM-5PM) to call ahead and see if your inquiry/transaction can be done outside of the branch. Here are some transactions/services we are able to perform over the phone through our Member Assistance line:
    • Account/Membership information and requests
    • Transfer of funds between your accounts
    • Bill payments
    • Investment renewals
    • Direct deposit and withdrawal information
    • Mortgage/loan/line of credit payment deferral requests
  • We are experiencing a high volume of request to process mortgage, loan and line of credit payment deferral request and are responding as quickly as possible. We assure you that your request will be looked at and we ask for members to be patient when waiting for an answer/call back.
  • Your Motor City credit card has had its “Tap” contactless payment limit increased to $250 from $100 per transaction at retailers who accept higher limits to reduce the need to touch point of sale machines.
  • Be on the lookout for fraud. There is an increasing number of reports of fraudsters trying to take advantage of people with COVID19 related scams. Stay vigilant and don’t click or give away any personal information if it seems suspicious. More infromation from the goverment can be found by clicking here.

We will continue to be there no matter what circumstance comes up in the coming weeks or months. Please do not hesitate to reach out at any time.


March 19th, 2020

Motor City’s CEO Rob Griffith has released the following letter to members in regards to COVID-19 and the actions we are taking:

Dear Member,

During this rapidly changing public health situation, we understand that many members lives are being impacted as a result of Covid-19, and our top priority is the safety of our members, our employees, and our friends in the community. We continue to assess the needs of our members and have been taking action based on recommendations from public health authorities, including the Ontario Ministry of Health and Health Canada.

At Motor City Community Credit Union, you can count on us as we continue to deliver quality financial products and services. But, over the coming days and weeks, you may notice a temporary change in how we offer some services. It is of the utmost importance that our members know that we will continue to do our best to help you achieve your financial goals. Should you need extra support to ease financial stress, please contact us.

No matter what, we’ll get through this together as community partners. We encourage you to visit our Website, Facebook, or Twitter for any updates at Motor City.

As we continue to closely monitor the situation, our thoughts are with those who have been affected by Covid-19, including front line workers who are helping beyond measure.

Robert Griffith
Chief Executive Officer
Motor City Community Credit Union

Important Updates for You:

Temporary Branch Closures

Motor City Community Credit Union has made the tough decision to temporarily close some locations. Beginning Friday, March 20 until further notice, the following locations will be temporarily closed:

  • Market Square – 1375 Walker Rd
  • City Centre – 189 City Hall Sq.

Please know these locations have not been affected directly by the virus.

The Tecumseh Road East Branch and the Commercial Lending Centre will remain open.

Reducing Hours

We are reducing our hours to 9:00am to 5:00pm, Monday to Friday effective Monday March 23rd at our Tecumseh Road East branch.

The Tecumseh Road East branch will also be closed on Saturdays effective immediately.

The Commercial Lending Centre hours remain unchanged.

We Are Here for You

For over 80 years we have been there during the good times and the bad. We are ready to support members with their needs and we are offering the following to ease financial stress:

  • Up to a 6 month payment deferral for loans, mortgages, and lines of credit
  • Flexible solutions as needed for your specific situation

We encourage you to reach out to your Financial Services Representative directly to discuss your needs or contact our Member Assistance Line at 519-944-7333 (Monday – Friday, 9:00am – 5:00pm). For your commercial needs, please contact your Commercial Account Manager or call 519-977-6939.

We are here for you and we will assist you in any way we can. It is now more important than ever that you know that We See What You See.

Banking Outside of the Branch

We ask all members to perform as many banking functions as they can outside of our branch during these unprecedented times. Below are the methods you can use to transact remotely without visiting a branch to ensure you financial needs are still met:

  • Call our live Member Assistance Line at 519-944-7333 (Monday – Friday, 9:00am – 5:00pm)
    • Services offered: account/membership information, transfer of funds, bill payments, investment renewals, set up an appointment
  • ATMs (click here to locate your closest ATM)
    • Services offered at Motor City ATMs: cash withdrawals and deposits, cheque deposits, pay bills for already set up bill payment vendors, transfer money between your accounts, balance inquiries – Our ATMs will also be sanitized as often as possible.
    • Services offered at other credit union ATMs: Cash withdrawals and deposits, balance inquiries
    • Services offered at partner ATMs (such as Circle K convenience stores and Manulife ATMs): Cash withdrawals and balance inquiries
  • Online banking
    • Services offered: account/membership information, transfer of funds, bill payments, Interac e-Transfer, view e-statements, order cheques, change your contact information
  • Mobile App (Click here to download)
    • Services offered: account/membership information, transfer of funds, bill payments, Interac e-Transfer, deposit anywhere cheque depositing
  • Cashback at Point of Sale Terminals
    • Be sure to utilize taking out cash at many different businesses who offer cash back with your Point of Sale purchase.
  • Motor City Credit Card

Respect Our Guidelines if you Plan to Visit a Branch

To protect our members, staff and community we have implemented the following in our branch:

  • Heightened cleaning procedures at all locations, with special focus on high traffic, high touch areas
  • Hand sanitizing stations are readily available at all locations
  • Strong hygiene and health-related best practices among employees and visitors; this includes personal contact etiquette such as refraining from hand shaking.
  • Requiring employees to stay home if they are sick or have any symptoms
  • Ongoing and regular monitoring, evaluation and action

Please do not enter the branch if you have a fever and/or cough and difficulty breathing and any of the following:

  • Travelled outside of Canada. Anyone who has returned from outside of Canada should not enter the branch for a minimum of 14 days
  • Close contact with a confirmed or probable case of COVID-19
  • Close contact with a person with acute respiratory illness who has been outside of Canada in the 14 days before their symptom onset

If you do enter our branch, please respect the following guidelines:

  • Avoid person to person contact
  • Maintain a safe distance

As always if you have any further questions please do not hesitate to reach out. We are in this together.

Contact Us



March 17th, 2020

Motor City Community Credit Union braches are currently all open with no service disruptions.

Please remember to review our guidelines below if you need to visit a branch and review the extra pre-cautions we are taking. We continue to closely monitor the situation and are following the guidelines released by our local and national health professionals as they become available. 

Reminder: our phone lines are available Monday to Friday from 9AM-5PM for assistance with a live representative. Please dial 519-944-7333 option 3, or if you are out of the country please use our toll free number: 1-866-252-0123


March 13th, 2020

Motor City Community Credit Union is committed to the health and safety of our employees and members

Please do not enter the branch if you have a fever and/or cough and difficulty breathing and any of the following:

  • Travelled outside of Canada. Anyone who has returned from outside of Canada should not enter the branch for a minimum of 14 days

OR

  • Close contact with a confirmed or probable case of COVID-19

OR

  • Close contact with a person with acute respiratory illness who has been outside of Canada in the 14 days before their symptom onset

We encourage members to utilize our digital options such as online banking, our mobile app, and ATM’s. 

We also ask our members to take advantage of our live phone assistance instead of visiting a branch to encourage social distancing. Please call 519-944-7333 option 3 to speak with a live representative during the hours of 9AM-5PM, Monday to Friday.

If you do enter our branch, please respect the following guidelines:

  • Avoid person to person contact
  • Maintain a safe distance

For more information about the virus, including how to be prepared, and updates, please visit the Government of Canada website.

Holiday Hours 2019 Expand/Collapse

December 20th, 2019

Motor City wishes you and yours a happy and safe holiday season.

Please see our branch and phone assistance hours below and remember that banking is available 24/7 at ATMs, online or through our mobile app. 

  

Tecumseh Rd East, Market Square and
Phone Assistance Hours

City Centre Hours

Tuesday, December 24
9:00AM - 1:00PM
10:00AM - 1:00PM
Wednesday, December 25
Closed
Closed
Thursday, December 26
Closed
Closed
Tuesday, December 31
9:00AM - 1:00PM
10:00AM - 1:00PM
Wednesday, January 1
Closed
Closed



System Maintenance - Fall 2019 Expand/Collapse

October 30th, 2019

On Sunday November 3rd, our systems will undergo regularly scheduled maintenance. Online Banking and Mobile Banking will be down starting at 3AM and could be down until 3PM. 

ATM and Point of Sale (POS) debit card transactions may be affected so plan to have an alternate source of payment during this time. 

For more information visit your branch, email info@mcccu.com, or call 519-944-7333.

Online/Mobile Banking Password Update Expand/Collapse

June 12th, 2019

On June 19th, 2019 Motor City will be upgrading to alpha numeric passwords (Personal Access Code, PAC) for online/mobile banking to provide even more security to your financial information. This type of password is standard for most online accounts across many industries; you probably use this type of password for most of your other accounts and profiles across the internet.


Important: your 16 or 19 digit PAN (debit card) number you use to login WILL NOT change, only your current 5 digit numeric PAC.
The “Remember Me” and “Saved Logins” features will also not be affected.

Follow these steps when logging into online banking for the first time after June 19th:

  1. Enter your existing 16-19 digit PAN (debit card) number and old 5 Digit PAC in the online banking or mobile banking login area as normal.
  2. In the next screen, you will be prompted to enter your old PAC again. Below this, you will then be asked to create your new secure alphanumeric password.
  3. Create your new alpha numeric PAC between 8-30 characters that has each of these requirements: 1 upper case letter, 1 lower case letter and 1 numeric value. Optional: Limited special characters may also be added. Examples: “Ex@mpleP@s$word22” or “DoNotUseExample99”
    • Tip! To avoid being hacked, create a long password with special characters and nonsense/random words. Also avoid using common information about yourself or passwords you use for other accounts. 
  4. Re-enter this new PAC to confirm it is correct.
    • Note: If you are having issues with creating a new password that satisfies the requirements, click on “Online Banking Help” for more information and assistance.
  5. Once completed you will be logged into online banking as normal.
  6. Going forward you will only use this new PAC, your old 5 digit back will no longer work.

Take Note:

Similar to last year when we upgraded systems, you will need to re-save any passwords your internet web browser is storing for you on your computer or smartphone. Motor City does not control these settings and they are specific to your device and internet browser. Simply Google “How to update my saved passwords for [web browser you use (i.e. Chrome, Internet Explorer, Fire Fox, Edge)]”

Again, the “Remember Me” (on computers) and “Saved Logins” (on the mobile app) features offered by Motor City will not be affected by this as the 16 or 19 digit debit card number you enter is NOT affected and will remain the same.

Contact Us for More Info or Assistance

2019 Member Share Offering Dividend Declared Expand/Collapse

June 3rd, 2019

Motor City is happy to announce the declaration of a dividend of 3.02% on the Series 1996 and 2005 Class A Investment Shares. Our 2018 Series was declared at 4.00%. Dividends will be paid in the coming weeks.

By investing in Motor City’s Investment Shares, members provide an increased capital base for our future growth. A strong capital base ensures that we continue to expand and offer competitively priced products and services to meet all our member’s financial needs.

We are extremely proud to have had another prosperous year and are excited that our members are able to benefit from continued successful accomplishments.

New Interac e-Transfer® Features Expand/Collapse

April 3rd, 2019

Motor City is pleased to offer two new exciting e-Transfer® features to our members.  The Request Money and Autodeposit features are now live and will help members get their money faster with the security you know and trust from Interac.  Below are some more details on the new features so you can start taking advantage of them.

Request Money

Interac e-Transfer® Request Money allows you to request money you are owed from anyone with a valid email address or mobile number and a bank account at any Canadian Financial Institution that supports this feature.

After you send a request for money, the recipient is notified instantly and can accept the request. After it is accepted, the requested amount will be automatically deposited into your account and a notification will be sent to you informing you that the funds have been deposited to your account.

This feature is perfect for anyone who is owed money, from that friend who still hasn’t paid you back for that concert ticket to a business owner looking to receive payments.

How it works

  1. Log in to online banking or the mobile App and navigate to “Request Interac e-Transfer®” feature found within the “Transfers" section.
  2. Create a new contact or select a pre-existing contact that you wish to send the request for money to.
  3. Type in the amount you are requesting and select the account you want the funds deposited into. You can add a personalized message outlining the nature of the request, an invoice number and a due date if needed.
  4. After the request has been fulfilled funds are deposited into the specified account you selected and you are notified.
Note: when you initiate a Request Money your account will be subject to a service charge when the other person accepts the request and the funds are deposited into your account. As an introductory offer Motor City will waive this charge. When the new fee takes affect, a message will appear before you confirm the transaction.



Autodeposit

This feature allows the money you are being sent from an Interac e-Transfer® to be automatically deposited into your account without having to answer a security question. All you need to do is register your email address with Interac, and any e-Transfer® sent to that email address will automatically be deposited into your chosen account. This service is free to sign up for and free to use!

How it works

  1. Set up your email:
    1. In Online Banking: navigate to “Send Interac e-Transfer” under “Transfers.” In the center of the screen click on “Autodeposit” and follow the instructions.
    2. In the Mobile App: navigate to “Settings,” select “INTERAC e-Transfer®,” click on “Autodeposit” and then follow the instructions.
  2. Select your primary account where you want transfers to be deposited to automatically.
  3. An email notification will be sent out to complete registration. Once completed you can now receive an e-Transfer® without having to answer a security question.


Still Have Questions? Ready to get started?

Interac® is a registered trademark of Interac Inc. Used under license.

Important information regarding your new Flex Card debit card in the United States and abroad Expand/Collapse

October 2019

Please be advised that we have been experiencing issues with our new Flex Card debit cards not working at some ATMs and POS terminals in the United States and Internationally. Our debit card provider is working to resolve this issue but we do not have an estimated resolution date or a guaranteed way of knowing which ATMs and POS terminals will work properly with the new cards.

We are advising members planning on visiting the United States or other countries to plan ahead by visiting a branch to withdrawal sufficient USD funds or have an alternative form of payment at your disposal such as a Credit Card. We apologize for this inconvenience and continue to investigate diligently with our debit card provider.


StatCan Data Request to Banks re: financial transaction data Expand/Collapse

On October 26, a Global News media story reported that Statistics Canada (StatCan) plans to collect “individual- level financial transactions data” and sensitive information, like social insurance numbers (SIN), from Canadian financial institutions to develop a “new institutional personal information bank” (PID).

Read More

Collabria Credit Cards New Authentication Tool for Online Shopping Expand/Collapse

We would like to alert you of an update to the authentication tool used by Visa and Mastercard for online shopping. Currently, Visa uses a service called Verified by Visa and Mastercard uses Mastercard Securecode.

Effective September 25th, Collabria will be transitioning to 3D Secure to authenticate both Visa and Mastercard online purchases.

While no action is required by you as transition to this new tool is automatic, please take note of what to expect and how it impacts your members. For details, please read these FAQs.

CUETS credit card historical data no longer available, October 1, 2018 Expand/Collapse

​Effective October 1, 2018, members will no longer have access to CUETS Financial credit card transaction data through online banking and after October 1 all historical credit card transaction data received from CUETS Financial will be removed.

If you want to have a record of or continue to access to your transactional history, here are some options:

  • From online banking: Access your transactions before October 1, 2018 and download or print your history. If you who would like to keep your spending history you could re-link your CUETS Financial credit card via the Linked External Accounts feature of PFM
  • From CUETS Financial Online Banking: Continue to access your historical and future credit card transactions after October 1, 2018 by using your current login credentials for CUETS Financial Online Banking. If you are not currently enrolled, you can visit cucardsonline.com and click the "New User/Enrol Now" link.

Redemption of Class B shares (Patronage Shares) Expand/Collapse

Please note that the Board of Directors of Motor City Community Credit Union has authorized the redemption of all outstanding Class B shares (Patronage Shares) effective July 15, 2018. The proceeds from the redemption of the shares will be deposited into members Chequing or Savings Accounts automatically.

If you received a letter from us asking that you bring your share certificates into a branch, please note that you do not need to do this. The process will be done automatically and no action is needed from the member.

If you have any other questions, please feel free to contact us for more information.



2018 Member Share Offering Dividend Expand/Collapse

We are happy to announce the declaration and payment of a dividend of 3% on the Series 1996 and 2005 Class A Investment Shares.

By investing in Motor City’s Investment Shares, members provide an increased capital base for our future growth. A strong capital base ensures that we continues to expand and offer competitively priced products and services to meet all our member’s financial needs.

Motor City is extremely proud to have had another prosperous year and are excited that their members are able to benefit from continued successful accomplishments.



Equifax Breach - Update Expand/Collapse

Message from Equifax:

With respect to potentially impacted Canadian citizens, the investigation determined that personal information of approximately 8,000 Canadian consumers was impacted. In addition, it also was determined that some of the consumers with affected credit cards announced in the company’s initial statement are Canadian (we are in the process of identifying which of those consumers are Canadian). The company previously had stated that there may have been up to 100,000 Canadian citizens impacted; however, that number was preliminary and did not materialize. The forensics investigation was comprehensive and complete and we are confident that all Canadian data that was subject to the cybersecurity incident has been thoroughly evaluated.

As we previously committed, Equifax will notify impacted Canadians by mail and offer them free credit monitoring and identity theft protection. We will notify you as the first batch of letters to impacted Canadians is mailed, so that you are not caught unprepared.

Equifax in the News

Source: USA Today

SAN FRANCISCO — Equifax said hackers may have stolen the personal information of 2.5 million more U.S. consumers than it initially estimated, bringing the total to 145.5 million.

The company said the additional customers were not victims of a new attack but rather victims who the company had not counted before. Equifax hired the forensic security firm Mandiant to investigate the breach, and it finished its report on Sunday.
News of the new victims comes on the eve of congressional testimony to be given by Equifax’s former CEO Richard Smith, who will address a House subcommittee on Tuesday. He was forced into retirement last week in the wake of the attack.

In prepared remarks posted Monday, Smith said the hack was possible because someone in Equifax's security department didn’t patch a flaw the company had been alerted to by the U.S. Computer Emergency Readiness Team.

A scan performed later to check that the patch had been implemented failed to detect that it hadn’t, Smith said. He gave no reason why the company's workers failed to install the so-called Apache Struts upgrade.

The company has been dogged by criticism of its response to the breach. The website and call centers it established to serve customers faltered. Many consumers faced error messages on the website and couldn't reach anyone at Equifax by phone.

Equifax said the feature on its website that allows U.S. consumers to check if their information was stolen will be updated to add the newly-listed consumers no later than October 8.
Ex-Equifax CEO Richard Smith apologizes; doesn't say why a fix wasn't carried out
The news for those outside of the United States was better. Mandiant was able to confirm that no Equifax databases located outside of the United States were accessed by the attackers.

In addition, Equifax had originally believed that as many as 100,000 Canadians were affected by the breach. However, the Mandiant review found that only about 8,000 were.

2016 Member Share Offering Dividend Expand/Collapse

We are happy to announce the declaration and payment of a dividend of 2.75% on the Series 1996 and 2005 Class A Investment Shares.

By investing in Motor City’s Investment Shares, members provide an increased capital base for our future growth. A strong capital base ensures that we continues to expand and offer competitively priced products and services to meet all our member’s financial needs.

Motor City is extremely proud to have had another prosperous year and are excited that their members are able to benefit from continued successful accomplishments.

 

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