FICANEX is an accelerant, democratizing access to technologies and solutions for Financial Services Providers.

Working with over 160 Canadian financial institutions, FICANEX helps innovate at speed, achieve scale, and give their customers what they want.

Simply put, we empower accelerated innovation!

Canada’s largest surcharge-free ATM Network.


THE EXCHANGE Network is over 3,000 ATMs strong. No matter where your customers are in Canada, they can find a surcharge-free ATM to meet their everyday banking needs.

See the benEfits

We have
tunl. vision.


Banking is changing at lightning speed – but there is light at the end of the tunl. Our tunl. platform gives you a fast, simple way to harness the explosion of innovative digital solutions. And the best part? We facilitate integration, so you can deliver more solutions, faster.

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Introducing tunl.chat.

Our AI-powered chatbot is designed to help your financial institution improve the speed and quality of your customer service, increase organizational efficiencies and drive results. We have streamlined the implementation to make innovation happen quickly for you.

How it works

ATM Access in the USA.

As a Canadian EXCHANGE member, your cardholders will have surcharge-free access to over 40,000 ATMs across the US through the Allpoint network. These ATMs are located in top retail locations and allow your cardholders to withdraw cash free of charge.

See How

Get connected with the Chinese market in Canada.

Help your business customers expand their share of the ever-growing market of Chinese consumers. Partner with FICANEX and Motion Pay® to offer Alipay® and WeChat Pay® merchant acquiring services.

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"We decided to introduce tunl.chat as a component of FirstOntario Credit Union's digital strategy to better serve our members. With our membership growing every single year, we needed a solution that was able to bring the existing service touchpoints together — and tunl.chat has done just that."
"We decided to introduce tunl.chat as a component of FirstOntario Credit Union's digital strategy to better serve our members. With our membership growing every single year, we needed a solution that was able to bring the existing service touchpoints together — and tunl.chat has done just that."

Ron Renton

VP Digital Channels & Experience

"As a values-based credit union, we believe that everyone should have access to banking that fits their ever-changing needs. With our member-owners in mind, being a part of THE EXCHANGE Network means we can provide anytime, anywhere surcharge-free access to cash across the country and this is something we continue to be proud of."
"As a values-based credit union, we believe that everyone should have access to banking that fits their ever-changing needs. With our member-owners in mind, being a part of THE EXCHANGE Network means we can provide anytime, anywhere surcharge-free access to cash across the country and this is something we continue to be proud of."

Paula Macfarlane

VP, Operations, Information Technology Solutions

"Bringing our digital assistant Val to life was an amazing learning experience for us at Valley Credit Union. Since we were the first in the region to launch this service it was important to us to get it right so to speak. We are so grateful for the fabulous team at FICANEX for their project approach. It would not have been possible without them."
"Bringing our digital assistant Val to life was an amazing learning experience for us at Valley Credit Union. Since we were the first in the region to launch this service it was important to us to get it right so to speak. We are so grateful for the fabulous team at FICANEX for their project approach. It would not have been possible without them."

Catharine Herber

Talent & Member Insight Manager

"The benefit that THE EXCHANGE Network brings to our members is limitless and continues to grow as thousands of Allpoint ATMs have been made available for use this year. We have enjoyed bringing network awareness to its value through social media campaigns over the years like “EXCHANGE Within Range”, making our members aware that surcharge-free access to cash is never out of reach!"
"The benefit that THE EXCHANGE Network brings to our members is limitless and continues to grow as thousands of Allpoint ATMs have been made available for use this year. We have enjoyed bringing network awareness to its value through social media campaigns over the years like “EXCHANGE Within Range”, making our members aware that surcharge-free access to cash is never out of reach!"

Angela Tsiampas

Director, Marketing

The Latest From LinkedIn

Allowing members to digitally self-service anytime, anywhere is one of the many reasons financial institutions like Your Neighbourhood Credit Union have implemented tunl.chat. Check out what Douglas Ebner has to share about the impact Nina, the fully customized YNCU bot, is making for members and how YNCU's strategic approach towards API integration sets them apart.

Read More On Linkedin

Starting off the new year with our first announcement - First West Credit Union has successfully launched their customized AI-powered chatbot, Finley!

First West CU will be able to provide conversational banking and exceptional digital self-service to over 250,000 members and many others seeking information about the products and services they offer!

Read More On Linkedin

Accessing cash is still incredibly valuable and THE EXCHANGE Network provides motusbank cardholders with the benefits of surcharge-free access no matter where they are. See below for what David Moore has to say!

Read More On Linkedin

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