Pay As You Go Chequing

A flexible chequing account for those looking to pay only for the Everyday Transactions * they make.

Account features

  • No monthly fee
  • Maintain a minimum balance of $1,000² and all Everyday Transactions * fees are waived.
  • Higher balance attracts a higher interest rate¹

Everyday Transactions * fees³

Monthly fee NONE

Everyday In-Person Transactions*:

  • Account withdrawals
  • Bill payments
  • Transfers to or from Vancity accounts
FREE if balance of $1,000²
Otherwise 70¢/transaction

Everyday Debit Card Transactions*:

  • Debit card purchases
  • ATM debit card withdrawals or ATM transfers from accounts
FREE if balance of $1,000²
Otherwise 50¢/transaction

Everyday Cheque and Preauthorized Payment*:

  • Cheque payments and preauthorized payments from Vancity accounts
FREE if balance of $1,000²
Otherwise 50¢/transaction

Everyday Online and Mobile Transactions*:

  • Bill payments
  • Cheque deposit using Vancity Mobile Deposit™
  • Transfers from Vancity accounts made online using a computer, mobile phone or device; or using our automated phone banking service (excludes INTERAC® e-Transfers*).

Interest rates

If you are a Youth under 25 or age 55+, contact us to see if you qualify for the Chequing Plus account and take full advantage of these additional member benefits.

Good Money™ has the savings account to complement your Chequing Plus account

If you like the features of our Chequing Plus account, and you'd like to earn higher interest on your savings, consider our Jumpstart® High Interest Savings Account.

* Click on the asterisk to see details.

¹ Interest is calculated on closing daily balance in an Account and paid at month end. The interest is an annual interest rate. Interest is earned in the currency of the account. View the current rates here or in-branch for more information.

² You must retain a minimum of $1000.00 in Your Account at all times for the full calendar month for Everyday Transaction fees and monthly package fee (if applicable) to be waived.

³ Additional Vancity and third-party fees will apply for services not classified as Everyday Transactions and, in certain circumstances, include fees for: a) ATM network fees if you use any Canadian ATM that is not an Exchange® ATM or ACCULINK® ATM. b) ATM network fees if you use a US/international ATM. c) INTERAC® e-Transfers that are subject to a fee. d) Fees for additional services that you choose from Vancity.

You may also be charged third-party fees including: e) A surcharge (convenience fee, and/or a foreign exchange conversion fee) by the ATM or POS operator and all associated networks engaged for the ATM or POS Transactions. f) Merchant fees when you use your debit card to pay for purchases. g) Fees charged by your mobile phone service provider; please request details from your service provider.

Review the fee schedule. Fees are subject to change.

® Trademark of Interac Inc. Used under license.


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