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There are more than 100 Vancity Automated Teller Machines (ATMs) in the Lower Mainland, Fraser Valley, and Greater Victoria for your daily banking convenience—you can find one near you right here. But being a credit union member also means you can use any credit union ATMs across Canada ding free.

Ding free ATMs in Canada: The EXCHANGE® and ACCULINK® Networks

As a member of THE EXCHANGE® and ACCULINK® Networks, your Member Card® debit card provides you with ding-free access to over 4,000 ATMs Canada-wide (which means “no surcharge”). You can access your money, make deposits and do a balance inquiry ding free. Note that these transactions will be subject to the Everyday Transaction1 fees applicable to your account and some ATMs are cash dispense only.***

Examples of institutions that are part of the ding free network include: Credit unions across Canada - Coast Capital, Prospera, Blueshore and some banks including National Bank, Canadian Western Bank, and HSBC*. That’s a bigger ATM network in Canada than most banks, and it’s all ding free.

Travelling outside of Canada: Allpoint®, ACCEL® and the Cirrus® Networks.

When travelling in the U.S., keep an eye out for Allpoint ATMs located in common retailers like Target, Walgreens, Safeway, Circle K and CVS Pharmacies. With over 55,000 participating ATMs, your cash is never far away, in fact one out of every twelve ATMs in the U.S. participates!

When paying, look for the ACCEL POS networks. Internationally, look for the Cirrus Network logo.

While you may incur additional ATM Network fees see Personal Service Charge Bulletin for details, rest assured these services are in place to provide you with instant access to your funds, making your financial transactions as smooth as possible.

What's a surcharge?

A surcharge is a fee that the owner of an ATM charges an ATM user. ATMs that have surcharges will usually have a warning screen that appears before you finish a transaction to let you know about the surcharge. Surcharges range from $1.25 per transaction and up, and they are charged in addition to the Everyday Transaction and ATM Network fees applicable to your account.

Convenient, reliable access to your money

For a list of ATM networks where you can use your MemberCard, just look for the network logos on the back of your MemberCard.

Here is a snapshot of your MemberCard access:

Look for these ATM network logos

Look for the logo
on the ATM 
Deposits*, transfers,
balance inquiries
Network and
surcharge fee1
Cirrus     USA & International

*Most of THE EXCHANGE and ACCULINK Network ATMs accept deposits and the funds will immediately appear in your account. Cheques may be rejected if they do not meet the standards. Refer to our Account and Services Guide for details.
1Refer to the Service Charge Bulletin or on details.

If you need to change your PIN

If you ever need to change your Personal Identification Number (PIN) and you know your existing PIN, visit a Vancity, Exchange or Acculink ATM across the country.

Know your limits

Personal daily limits apply to your Member Card® debit card for cash withdrawals and to make purchases at chip-enabled terminals. If you need your limit increased for a planned transaction, call the Member Services Centre.

A couple of other details:

  • When you deposit funds at a Canadian EXCHANGE or ACCULINK network ATM, your deposit is treated the same way as if you are at a Vancity ATM.
  • Vancity ATMs offer audio functionality through the use of a headset for our members who need assistance with their ATM transactions.

*Caisses populaires and credit unions in Quebec and Territories excluded.

1Click here to view a list of Everyday Transactions.

®ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.
®THE EXCHANGE is a registered trade-mark of Fiserv Inv., licensed for use in Canada by FICANEX Services Limited Partnership.
®ACCEL is a registered trademark owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.
®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.
®Trade-mark of Interac Inc. Used under license.
®MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.
®Vancity is a licensed user of trademarks.
®Allpoint is a trademark owned by Cardtronics plc and its subsidiaries.
®The Cirrus Brand Mark is a registered trademark of MasterCard International Incorporated, used under license.


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