THE BENEFITS
IN CANADA: Surcharge-free ATM transactions. Make deposits, cash withdrawals, transfers and balance enquiries at over 2000 EXCHANGE® Network ATMs across Canada. The EXCHANGE® Network gives you access to ATMs at eight banks including HSBC, National Bank, and Citibank, 
along with a growing list (sixty and counting) of other Canadian credit unions. This is in addition to continuing access to INTERAC® ATMs (surcharge may apply) and Canada's Direct Debit or POS system. With EXCHANGE® you eliminate the surcharge (up to $1.50) to access ATMs at most other financial institutions. Think of the savings! And you'll no longer need to come to PARAMA just to make your deposits. Think of the convenience!
ENHANCED TRAVEL CONVENIENCE: Make direct debit purchases through more than 1.6 million US merchants affiliated with the ACCEL® POS Network and make surcharge-free ATM cash withdrawals at over 56,000 EXCHANGE® Network ATMs in the U.S. (except where 
prohibited by law). Your US$ purchase will be converted to Canadian dollars and debited to your PARAMA account,
reducing the need to carry excess cash. Whether you prefer to shop at Bloomingdales or Wal-Mart, you'll be able to access your PARAMA account for payment. And when travelling outside of Canada, the PARAMA Member Card will provide access to your cash withdrawals at any PLUS Network ATM (surcharge may apply), making this truly an international banking card!
If you have not yet received your new PARAMA Member Card, please visit your Branch and get yours today. It's free. If you are still using an old yellow PARAMA Card, please note that the day is approaching when the old cards will no longer work for you.
EXCHANGE® ATM LISTINGS
There are over 200 locations throughout Ontario where you can make surcharge-free deposits and withdrawals with your new PARAMA Member Card. A small sample has been provided below for your convenience. Click
here for more locations and detailed search capabilities. (Please note that ATM locations may change without notice).
| Mississauga (15 locations) |
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• National Bank of Canada
• National Bank of Canada
• National Bank of Canada
• HSBC Bank Canada
• CS CO-OP (Alterna Savings) |
-350 Burnhamthorpe Road West
-1201 Brittania Road West
-3100 Winston Churchill Blvd
-4550 Hurontario Street
-5800 Hurontario Street |
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| Brampton (5 locations) |
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| • HSBC Bank Canada |
-312 Queen Street East |
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| GTA Toronto (39 locations) |
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• Etobicoke: Virtual One CU
• Downtown: Citibank Canada
• Downtown: HSBC Bank
• Downtown: The Police CU
• Central: HSBC Bank
• North York: The Police CU
• Scarborough: HSBC Bank |
-3040 Bloor Street West
-123 Front Steet West
-222 Spadina Avenue
-40 College Street
-1526 Bayview Avenue
-4685 Yonge Street
-1940 Eglington Avenue |
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| Cottage Country |
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• Collingwood: National Bank
• Barrie: HSBC Bank
• Orillia: National Bank |
-108 Hurontario Street
-509 Bayfield Street
-Orillia Square Mall |
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CANADIAN and US ATM Locator: 
Listing of Participating US Merchants: 
INTERNATIONAL ATM Locator: