Banking for all at Vancity.

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We’re so glad to have you as a member. Let’s walk through some of the key features and safety recommendations associated with your chequing account, MEMBER CARD® debit card, and any other accounts you may open in future.  

If you have questions or need further assistance, please call us at 604-877-7000 or toll-free at 1-888-826-2489 or visit us at your nearest Vancity branch.  

About Vancity.

We’re a values-based credit union built on principles of social justice and inclusion, and together with our 500,000+ members, we’re continuously creating tailored services to support the banking needs of newcomers, refugees, and displaced people.

For the past 20 years, we’ve been recognizing and creating opportunities to support the financial wellbeing of newcomers to Canada, in part due to our longstanding relationship with local settlement agencies.

In 2015, we launched the Vancity Humanitarian Fund in response to the Syrian refugee crisis and to support the Canadian government in welcoming more people to our communities. Most recently, $50,000 were donated towards Ukrainian Aid.

As a member of our credit union, you’re an owner of Vancity.  

Members get a share of profits, enjoy access to flexible accounts and products, benefit from free financial planning and advice, and much more.  

Your chequing account features. 

Just by opening an account with us, you have access to:

  • enviroTM Visa** credit card ($1000 credit limit)*
  • A MEMBER CARD debit card (otherwise known as an ATM card) 
  • 40 Free Everyday Transactions¹ per month
  • No surcharge or network fees at ATMs displaying THE EXCHANGE® or ACCULINK® logos in Canada, and abroad, ATMS displaying ACCEL® and Cirrus® logos are also usable with a fee2
  • Free Interac e-Transfer® transactions
  • Free cheque orders of 50 Vancity personalized cheques
  • Free official cheques (also known as bank drafts or money orders)
  • Free US dollar drafts
  • $5 off safe deposit box charges
    AccuLink Logo The_Exchange_logo

Using your chequing account. 

You can use your chequing account to: 

Send and receive funds

  • Deposit cheques and cash 
  • Write cheques 
  • Use automated teller machines (ATMs) 
  • Receive funds through direct deposit 
  • Automatically pay bills
  • Make purchases using your MEMBER CARD debit card 

Access other services

  • Loans and mortgages 
  • Safe deposit boxes (secure boxes where you can place valuables for safekeeping) 
  • enviro Visa credit card services 
  • Wire transfers 

Using your MEMBER CARD debit card.


As a member, you will receive a MEMBER CARD debit card — otherwise known as an ATM card. Here are some things to keep in mind to help you prevent fraud and manage your card.

For your safety

  • Always cover the PIN pad when you enter your PIN (or personal identification number) at an ATM or point of sale.
  • Never let your MEMBER CARD debit card out of your sight while making a transaction.
  • Never share your PIN with anyone.
  • Always keep your personal information updated, including your address.
  • If you lose your MEMBER CARD debit card or cheques, please call us right away.
  • Always carry your ID when visiting a branch for banking transactions.
  • Try to memorize all passwords for your account, online banking, and MEMBER CARD debit card.

At an ATM

  • You’ll need to enter a 4-digit PIN whenever you visit an ATM.
  • Your daily limit is $100 for ATM cash withdrawals.
  • Deposits made at the ATM using your MEMBER CARD debit card will be held for 7 days before the funds become accessible.
  • To avoid fees charged by other financial institutions, be sure to use a Vancity, credit union, or any other ATM displaying THE EXCHANGE and ACCULINK logos.

At the store

  • The first time you use your MEMBER CARD debit card, you’ll need to enter your 4-digit PIN and activate the “tap” option. From there, you can use the “tap” option to pay for purchases without entering your PIN. 
  • Your daily limit is $100 for point-of-sale purchases.

Using a credit card in Canada. 

Whether you choose a Vancity enviro Visa credit card or another option from a different financial institution, the following tips might be helpful. 

  • Spend within your limit.
    Always keep part of your credit available for emergencies.
  • Try to pay off your balance in full.
    By the due date mentioned on your credit card statement to avoid paying interest. The longer you wait to pay off your full balance, the more interest you’ll have to pay.
  • Avoid missing your minimum monthly payments.
    Missing one or two of your monthly payment due dates, even if you pay off the balance in full months later, will have a negative impact on your credit rating​.
  • Make more than the minimum payment.
    This will help you pay off your balance more quickly and avoid paying more interest​. 
  • Prioritize your MEMBER CARD debit card when taking out cash at an ATM.
    If you choose to use your credit card at an ATM instead, you'll pay interest from the date of your cash advance until you pay back the amount in full.

How to activate your enviro Visa card

Accessing our Microfinance Loans.

When you are ready to start working or if you want to open a business, our Microfinance team, Small Business Advisors are here to support you on your journey.

These loan programs look at your skills, education, experience and the network and community that surround you to make the decision. To learn more visit or email us your questions at

Preventing fraud. 

Fraud (or scams) occurs when someone seeks out your personal information to make money at your expense. It’s important to be aware of the most common types of fraud and what you can do to protect yourself. 

Some of the most common types of fraud occur by phone, text message, or email. In order to protect yourself:


  • Emails or phone calls from Vancity will never ask for your personal information, since we already have it.
  • Never share your multi-factor authentication one-time password with anyone. Vancity staff will never ask for it.
  • Protect all your personal documents, including bank and credit card statements.
  • Use anti-virus and malware protection.
  • Immediately report missing bank or credit card statements.
  • Keep your Personal Identification Number and personal codes secure.

Be careful of: 

  • Incoming phone calls, text messages, or emails that include unsolicited investment opportunities, advice on investing, a request for payment, or a general sense of urgency.
  • Incoming phone calls or text messages claiming to be an employee of the Canada Revenue Agency or Service Canada, asking for personal information or demanding immediate payment for an amount owing.
  • Emails or text messages that include suspicious text, links, or pop-ups.
  • Incoming phone calls, text messages, or emails that attempt to disguise themselves as a legitimate organization. Many will do this by spelling the organization’s name incorrectly or attempting to copy a legitimate logo.

For additional support related to fraud and scams, contact the Canadian Anti-Fraud Centre at 1-888-495-8501. 

Frequently asked questions.

What if I need to update my PIN #?

If you’re the Primary Cardholder or an Account Administrator, you can change your PIN online through Manage my Visa card or over the phone.

Authorized Users will need to call 604-877-4999 or toll-free 1-800-611-8472. We're available 24 hours a day, 7 days a week.

To change your PIN # online:

  • Log into Manage my Visa card

  • Select “change PIN” from the drop down “I want to…” menu

  • Enter your new PIN, confirm your PIN and select ‘Submit’ to update your PIN #

  • Receive an e-mail notification that your password has been updated

By phone:

Primary Users, Account Administrators, Authorized Users:

  • Call us at 604-877-4999 or toll-free 1-800-611-8472 and follow the prompts to change your PIN #

  • You’ll need to verify yourself by entering your 16 digit account number and the date of birth and phone number associated with the account.

  • You’ll be required to enter in the PIN # currently associated with your card.

If you’ve forgotten your PIN #, you’ll need to call Card Services, available 24/7, at 604-877-4999 or toll-free 1-800-611-8472 Let us know that you’re requesting a new PIN #. Once the request is completed, your new PIN # will be mailed to you and will arrive in 5-7 business days.

How do I increase the credit limit on my enviro Visa card?

Call us at 604-877-4999 or toll-free 1-800-611-8472 to increase your credit limit. We’re available 24 hours a day, 7 days a week.

For enviro Classic Visa, enviro Gold Visa, enviro Infinite Visa and enviro Infinite Privilege Visa cards, only Primary Cardholders can request credit limit increases.

If you have an enviro Visa Business, enviro ExpenseGold Visa and enviro Visa Infinite Business cards (for business use), both the Authorized Signatory and the Guarantor must authorize and sign for the increase. Please call 604-877-7000 or toll-free 1-800-611-8472 to make an appointment.

How do I add an Authorized User to my Visa account?

Authorized Users have a credit card with their name on it and their own unique credit card number. The cards we issue to Authorized Users are sometimes called ‘supplementary cards’ or ‘additional cards’.

These cards are part of the Primary Cardholder’s Visa account and their transactions will appear on your statement. Vancity will only take instructions about enviro Visa accounts from the Primary Cardholder.

Authorized Users will be able to tell us if their card has been lost, stolen or used without their authority. They can also view their transactions in online banking, in the mobile app (if they’re Vancity members with Personal banking).

To learn how many Authorized Users you can add to your account (and any fees, if applicable), please find your card on our credit cards page and select ‘Learn more’.

Tip: Authorized Users don’t build credit history by using their card. Visit your nearest community branch or call us for more information.

How to add an authorized user to your account:

Call us at 604-877-4999 or toll-free 1-800-611-8472. We’re available 24 hours a day, 7 days a week.

Visit your nearest community branch

Do I need to inform Vancity when I'm travelling?

No, we have fraud detection systems in place to protect your accounts from suspicious or unauthorized transactions.

We recommend making sure your contact information is up to date in online banking or Manage my Visa card in case we need to reach you at home or while travelling.

My card’s lost, stolen or compromised. What should I do?

Please call us right away so that we can cancel your card and send you a new one.

Metro Vancouver: 604-708-7810

Toll-free: 1-888-990-9691

International toll-free number (outside of Canada and the U.S.): IAC-800-500-0707-0

(IAC = International Access Code, varies by country).

Ways to manage your money.  

Talk to a pro

By phone at 604-877-7000 or toll-free at 1-888-826-2489 

In-person at a branch

You’re welcome at any of our 55+ branches across BC. Explore the map below or visit our website to find a branch near you.

Find a branch

Thank you for becoming a member.

Vancity is a financial institution that focuses on putting people first. For over 75 years, we’ve offered financial products and expert advice that help with current and future challenges. As Canada’s largest credit union, we lead with our values to help with real-life needs, including yours. Welcome to Vancity; we’re here for you.  

Helpful resources.