Join us

Quick access to cheque funds

When you deposit a cheque, you want convenient, immediate access to your money and no extra fees. Now, as a Vancity member, that's what you get.

Immediate access to your money upon deposit

In most cases, you can get at least $1,000 immediately after deposit.* When you join Vancity, we’ll use your history to help determine how much you can immediately access. As we get to know how you use your account, we’ll actively try to upgrade your access which means no more lengthy holds or delays. With immediate access to your cheque funds you can:

  1. Pay bills
    Choose from a number of convenient ways to pay.
    Learn more about paying bills.
  2. Transfer money
    It's easier than ever to transfer money between accounts, members or anyone with a Canadian deposit account.
    Learn more about transfers.
  3. Get cash
    Withdraw cash from your cheque deposits right away.
    Find a branch/ATM.

No extra cost

When you deposit cheques at Vancity, there are no fees, charges or unaffordable rates to access your money.

Multiple ways to deposit

Simply choose one of three options for depositing your cheque:

  1. At the branch
    Visit any Vancity branch for in-person service.
    Find a branch near you.
  2. At the ATM
    With BC's second largest ATM network.
    Find an ATM near you.
  3. Using Vancity Mobile DepositTM
    Simply take a photo of your cheque to deposit using your iPhone®, iPad®, iPod touch® or AndroidTM.
    Learn more about mobile deposit.

Cheque holds

When you cash a cheque, you don't want to wait to use your money. We’ve made changes to make it easier for you to access your money right away. Your access to deposited funds is affected by the cheque clearing process.

» Learn more

Not a member?

You have a number of options to apply for Vancity membership. You can apply:

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By phone

Metro Vancouver

Greater Victoria


in person icon

In person

Visit a Vancity community branch near you.

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Start your membership application with our online form.

Apply now

Need money fast? We can help with that, too.

» Read about the Vancity Fair & FastTM Loan here

Vancity Mobile DepositTM and Vancity Fair & Fast LoanTM are trademarks of Vancouver City Savings Credit Union.

Apple, the Apple logo, iPhone, iPad, and iPod touch are trademarks of Apple Inc., registered in the United States and other countries. Apple Store is a service mark of Apple Inc. Apple Inc. is not a sponsor or participant of Mobile Banking or Vancity Mobile Deposit for Vancity Credit Union.

Android and Google Play are trademarks of Google Inc.

*Quick access applies to adult retail accounts only. Either an acceptable credit history or three months use of account as agreed upon is required.

Fair and Fast Loan