Vancity Total Chequing
Our most feature-packed account.
Monthly fee
$25.75
Waive the fee
With $6,000 minimum balance^
Perks to set your money in motion.
With this chequing account you get:
- Free unlimited Everyday Online and Mobile, In-Person, and Debit Card transactions§
- Free pre-authorized debits and bill payments
- Free personalized cheques and bank drafts
- $5 discount on safe deposit box
- Annual rebate up to $150 on select rewards credit cards††
Rebate
Get a reward credit card of your choice.
- Choose from enviro Visa Infinite,* Infinite Privilege,* Gold, Gold with Low Interest + Vancity Rewards, or Classic with Low Interest + Vancity Rewards cards.
- Get an annual fee rebate of up to $150/year††
- Earn more points per dollar with premium card options◊
- Enjoy complimentary membership to Visa Airport Companion± when you select an enviro Visa Infinite* or enviro Visa Infinite Privilege* card
$25.75/month
Free if you maintain a minimum balance of $6,000^
Includes in-branch and phone transactions, account withdrawals and deposits, bill payments, and transfers to or from Vancity accounts
Free
Includes debit card purchases, ATM cash withdrawals, and ATM transfers between accounts
Free
Plus, no Vancity fee to use ATMs across all networks worldwide§
Includes Interac e-transfers®, cheque deposits using Vancity Mobile DepositTM, and Transfers from Vancity accounts made online or using our automated phone service
Free
Includes personalized cheques, requests to deposit post-dated cheques, cheque retrieval and tracing, cheque transactions, and pre-authorized payments from Vancity accounts
Free
Monthly fee | $25.75/month Free if you maintain a minimum balance of $6,000^ |
|---|---|
Everyday In-Person Transactions Includes in-branch and phone transactions, account withdrawals and deposits, bill payments, and transfers to or from Vancity accounts | Free |
Everyday Debit Card Transactions Includes debit card purchases, ATM cash withdrawals, and ATM transfers between accounts | Free Plus, no Vancity fee to use ATMs across all networks worldwide§ |
Everyday Online and Mobile Banking Includes Interac e-transfers®, cheque deposits using Vancity Mobile DepositTM, and Transfers from Vancity accounts made online or using our automated phone service | Free |
Everyday Cheques and Pre-Authorized Payments Includes personalized cheques, requests to deposit post-dated cheques, cheque retrieval and tracing, cheque transactions, and pre-authorized payments from Vancity accounts | Free |
For a full list of fees, see the Personal Service Charge Bulletin.
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.
Upgrade your account.
If you’d like to upgrade an existing chequing account and retain scheduled transfers, pre-authorized payments and other settings, please call us at: 604-709-8802 or 1-866-259-0673.
Explore other accounts.
®Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license.
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.
Trademark of Visa Int., used under license
Vancity ATM charges will be rebated the following day on debit transactions. Some third-party ATM operators may charge you a convenience fee. This is a third-party fee and will not be rebated.
You must retain a minimum of $6,000.00 in your Vancity Total Chequing Account at all times for the full calendar month.
Approval for a Vancity Visa Account is subject to credit approval, and to meeting minimum income and/or assets under management requirements. Must be a British Columbia resident and at least 19 years old. For any application, we will obtain your credit bureau report to confirm eligibility for a Vancity Visa Account.
You must be the Primary/First-Named Vancity Total Chequing Account Holder and the Primary Cardholder of an eligible Vancity Visa Account to receive a Visa Annual Fee Rebate on an eligible card as indicated below: a) Partial Annual Fee rebate of $150 for the Primary Cardholder on enviro™ Visa Infinite Privilege* card, or b) Full Annual Fee rebate on enviro™ Visa Infinite* card, enviro™ Visa Gold card, enviro™ Visa Classic card with Low Interest Rate plus Vancity Rewards or enviro™ Visa Gold card with Low Interest Rate plus Vancity Rewards.
Your Vancity Total Chequing Account must be open and in good standing at the time the Visa Annual Fee is charged to receive the rebate. The Visa Annual Fee Rebate will not apply to Authorized User(s) on the Visa Account. The Visa Annual Fee Rebate will occur each year so long as you remain a Primary/First-Named Vancity Total Chequing Account Holder and Vancity Visa Account Primary Cardholder in good standing. Vancity Total Chequing Account Holders can receive one Visa Annual Fee Rebate per Vancity banking relationship. By receiving this rebate, you will not be eligible for additional Visa Annual Fee Rebates or welcome offers. Offer cannot be combined with any other offer unless otherwise specified. If you have more than one Vancity Visa Account, the Visa Annual Fee Rebate will be applied to the card with the highest Visa Annual Fee, on the first Visa Annual Fee charged after the Vancity Total Chequing Account is opened. The Visa Annual Fee Rebate will be credited to the Vancity Total Chequing Account after the Visa Annual Fee is billed to the Vancity Visa Account. May take up to 3 Visa statement cycles to appear. All other fees and charges applicable to the Vancity Visa Account will continue to apply. Vancity Annual Fee Rebate may change or be canceled at any time without notice.
You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite and enviro Visa Infinite Privilege card. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as (i) Grocery Stores; Freezer and Locker Meat Provisioners; Candy Stores; Dairy Product Stores; Bakeries; and Misc. Food Stores – Convenience Stores and Specialty Markets are “groceries” and earn 3 points with every $1 purchase; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries” and earn 5 points with every $1 purchase. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply. Points are earned based on the dollar amount of Purchases you make on your Card. You will not earn Points on Cash Advances, Cash-Like Transactions, Balance Transfers, writing Visa Cheques or for the amounts you pay in interest, annual fees or any other types of fees on your Visa Account. For a full list of terms and conditions, see Vancity Rewards Program terms and conditions.
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.