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Frequently Asked Questions
Let's start with the basics
Watch for our coming mobile application that will provide a flexible, convenient way for clients to perform a variety of functions and features, enhancing the client experience.
A secured credit card is often recommended for consumers who have trouble getting a traditional credit card, consumers who haven't yet established a credit history, or consumers who have damaged credit. A secured credit card is very much like a regular credit card, but the major difference is that you're required to make a deposit against the card's credit limit. Your credit limit will be the same as your deposit.
Everyday People Financial Inc. is an Edmonton based card and credit program manager with operations in Canada and Europe. They originate, process, and manage unique and innovative credit products, strategically aligned with a Schedule 1 Canadian Chartered Bank. They focus on card and loyalty programs, specialty financing, banking and credit adjudication, and operations management. They are rapidly expanding in the retail market with multiple credit offerings.
Your account creation is a quick and easy process. Just fill out the application form online and your account can be activated in less than 5 minutes.
In order to ensure compliance with Canadian financial regulations, we are required to know our customers and validate identification. Identity verification typically occurs on the EP Financial platform automatically through the account registration process. In rare cases you will be required to complete additional verification measures, including visiting one of Canada Post's 6,000 locations in order to have your identification verified in person. You will be notified if this additional step is required.
You can contact us at People@EPFinancial.ca to inquire about potential opportunities.
A secured credit card is often recommended for consumers who have trouble getting a traditional credit card or consumers who haven't yet established a credit history. If you don't have any credit history, this product is a great option to start building that history!
Two-factor authentication is a second layer of security to help protect your account, in addition to your password. We use a service called Google Authenticator which will send a unique PIN to your mobile phone which you use to sign in along with your password.
We will be launching a traditional credit card program and loan products soon.
Our loyalty program is coming soon. Check back soon for details.
Visit our Contact page for the different ways to get in touch with us.
EP Financial does not currently have any regional branches. We are available through partner locations and our head office.
Dive deeper into the details
We have instant card availability, including: pick up card at a partner location, Canada Post, our office, or DCBank.
The limit on your secured card is equal to the amount of the security deposit paid towards the card. Limits can be increased through certain methods by increasing the security deposit paid on the card. With the secured Visa card, EP Financial has a minimum limit of $200 and a maximum of $5,000.
Anywhere Visa and MasterCard are accepted.
You can view the full list of card fees here.
Yes, at a bank as a cash advance or through an ATM.
The interest rate on our secured Visa is 19.95%
As you use our Visa secured card, making purchases and paying your bill on time each month, EP Financial will report your account and your payment status to the major credit bureaus. This will help you on your way to building up a positive credit history.
The limit on your card is equal to the security deposit on the card. Limits on the card can be increased by increasing the security deposit on the card through various methods once you are logged in. The secured Visa product, EP has a minimum amount of $200 and a Maximum amount of $5,000.
Deposit, bill payments, and more
When you are logged into your account, the available payment methods include: EFT, EP DCB account transfer, Bill Payment, Interac e-Transfer Auto Deposit, and Interac e-Transfer Request money.
Email firstname.lastname@example.org to receive the application to cancel your secured card and receive your deposit back. Also, once your credit rating is acceptable for a traditional Visa product, you can then graduate your card and receive the security deposit back.
You can pay your credit card bill through: EFT, EP DCB account transfer, Bill Payment, Interac e-Transfer Auto Deposit, Interac e-Transfer Request money.
Yes, you can pay for anything with credit such as utilities, cellphone, health insurance, car and home insurance, and subscription services.
Yes, EP Financial reports payments to the credit bureau in order to help our customers build their credit through our secured card program.
Take a look into your account details
Please call our PIN Change Number (1-800-123-4567) and follow the voice instructions to change your PIN.
On the secured Visa product, EP has a minimum amount of $200 and a Maximum amount of $5,000. You can view additional details on the secured Visa card here.
You can visit the Forgot Password link to reset your password.
You can visit the Forgot Password link to change your password
Give us a call at 1-888-825-9808 to update your contact information