Essential Chequing
Everday banking for a low monthly fee.
Monthly fee
$9.75
Waive the fee
With $1,500 minimum balance^
Perks to keep your money in motion.
With this chequing account you get:
- 25 free Everyday Transactions,¤ including Everyday In-Person, Debit, Cheque, and ATM transactions
$9.75/month
Free if you maintain a minimum balance of $1,500^
Includes bill payments, cheque deposit using Vancity Mobile Deposit™, and transfers from Vancity accounts made online or using our automated phone service
Free
Includes in-person and phone payments, transfers and withdrawals, as well as debit card purchases, ATM cash withdrawals and transfers,± and cheque transactions
25 total free transactions per month
After that, fees of $0.50 to $0.70 per transaction apply
Includes pre-authorized payments from Vancity accounts
Free
Free to send, request, and receive
Monthly fee | $9.75/month Free if you maintain a minimum balance of $1,500^ |
|---|---|
Everyday Online and Mobile Banking Includes bill payments, cheque deposit using Vancity Mobile Deposit™, and transfers from Vancity accounts made online or using our automated phone service | Free |
Everyday In-Person, Debit Card, and Cheque transactions Includes in-person and phone payments, transfers and withdrawals, as well as debit card purchases, ATM cash withdrawals and transfers,± and cheque transactions | 25 total free transactions per month After that, fees of $0.50 to $0.70 per transaction apply |
Pre-Authorized Payments Includes pre-authorized payments from Vancity accounts | Free |
Interac e-Transfers® | Free to send, request, and receive |
For a full list of fees, see the Personal Service Charge Bulletin.
Under 25? Check out our youth account.
Over 65? Check out our senior account.
Covered with every chequing account.
All our chequing accounts come with these free features:
- Withdraw at 4,000+ ding-free ATMs across Canada
- Receiving Interac® e-Transfers
- Mobile cheque deposit
- No extra fees for Apply Pay, Google Pay, or tap payment (regular transaction fees apply)⌀
- Account deposits 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC)
Get more as a member.
As a Vancity member, you’ll also get great benefits like:
- Member perks
Discounts from our members and community partners. - A community built by you
Your deposits at Vancity support people and businesses in our communities who are making a positive change. - A vote equal to everyone else’s
One member, one vote. Our credit union is guided by the people who own it, our members.
New to Vancity.
Join Vancity and open an account in less than 5 minutes.
Already a member.
Members can open additional account under Account Services in digital banking.
Explore other accounts.
®Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license.
You must retain a minimum of $1,500.00 in your Vancity Essential Plus Account at all times for the full calendar month.
Everyday transactions are all of these:
- Everyday Cheque and Preauthorized Payment Transactions are cheque transactions and preauthorized payments (PADs) from Vancity Accounts.
- Everyday Online and Mobile Transactions are bill payments, cheque deposit using Vancity Mobile Deposit™, transfers from Vancity Accounts made online using a computer, mobile phone, Mobile Device or using Vancity’s automated Telephone Banking service.
- Everyday In-Person Transactions are Account withdrawals, bill payments, transfers to or from Vancity Accounts conducted person-to-person, over the phone with our branch staff or Member Service Centre staff.
- Everyday Debit Card Transactions are debit card purchases or ATM cash withdrawals or ATM transfers from Accounts.
- Everyday Transaction fees are calculated and charged at month-end for Vancity’s chequing and savings products, with the exception of Jumpstart High Interest where the fees are incurred immediately when the transaction is made. Overdraft interest, not covered by a Creditline line of credit or a Personaline line of credit, accrues immediately and will be calculated and payable at month-end.
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.
For a full list of fees, see the Personal Service Charge Bulletin.
Digital wallet transactions have the same transaction costs and limits as their matching physical debit card taps; these fees are not covered.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.