Even when you're not using your money, most of your deposits are building a clean and fair world by financing local businesses and other change‑makers who bank with us.
How many transactions do you typically make?
Debit card purchases and ATM withdrawals
In-person branch transactions
Outgoing cheque transactions and pre-authorized payments
Interac e-Transfers® sent and requested
$14.75/month or $0 with min. balance of $3,000^
Unlimited Everyday Transactions¤, e-Transfers, online & mobile banking, and 1-year credit card annual fee rebate†.
$9.75/month or $0 with min. balance of $1,500^
25 free Everyday Transactions¤ or e-Transfers. Unlimited free online bill payment, mobile cheque deposits and pre-auth. payments
$25.75/month or $0 with min. balance of $6,000^
Unlimited Everyday Transactions¤, credit card annual fee rebate every year††, free cheques, e-Transfers, and more.
$0 monthly fee
Basics for members 65+ with free orders of 50 cheques and $5 off safety deposit box.
Pay per transaction
No monthly fee. Includes free online bill payments and mobile cheque deposits.
Access over 4000 ATMs across Canada for free through THE EXCHANGE and ACCULINK networks; not just Vancity ATMs. So, when you need cash for that lunch date at JJ’s Trucketeria, you won’t have to look far.
View legal details
®Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license.
¤Everyday transactions are all of these:
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 — if applicable to your account, 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.
^ You must retain a minimum of $1,500.00 in your Vancity Essential account at all times for the full calendar month.
^ You must retain a minimum of $3,000.00 in your Vancity Essential Plus Account at all times for the full calendar month.
^ 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 Essential Plus Chequing Account Holder and the Primary Cardholder of an eligible Vancity Visa Account to receive a one-time Visa Annual Fee Rebate on an eligible card for the first year 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 Essential Plus 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. Vancity Essential Plus 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 Essential Plus Chequing Account is opened. The Visa Annual Fee Rebate will be credited to the Vancity Essential Plus 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.
†† 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.
§ 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.