Essential Plus Chequing

Unlimited debit transactions and Interac e‑Transfers®.

Where your deposits go

To supporting local businesses that help reduce plastic consumption, like The Soap Dispensary.

Monthly fee: $0^ or $14.75/month
No monthly fee with a $3,000 minimum balance^

Open an account

Show me the goods.

  • Free Unlimited Everyday Transactions¤
    Maintain a $3,000 minimum balance at all times and pay no monthly fee. Otherwise, get unlimited Everyday Debit, Cheque, Pre-authorized Payment, Online and Mobile Transactions for $14.75 a month.
  • Free Vancity Mobile Deposit™
    Save time and deposit cheques with the Vancity mobile app.
  • Free Interac e-Transfers®
    Easily send, receive or request money online.
  • Free withdrawals at 4,000+ ding-free® ATMs±
    Take out money for free across Canada.
  • Banking at your fingertips
    Bank easy with Apple Pay, tap payment, and anytime access to your accounts and payments on our mobile app.
  • Financial peace of mind
    Your deposits in this account are 100% insured by the Credit Union Deposit Insurance Corporation (CUDIC).

Bonus.

  • Annual fee rebate — up to $150 for the first year on select cards
    You can earn Vancity Rewards for cashback, travel, charity and gift cards.

    Want it rebated every year instead? Check out the Vancity Total Chequing account.

Transaction fees.

Details

Fees±

Monthly fee

$14.75/month

Free if you maintain a minimum balance of $3,000.^

Everyday In-Person

  • By branch or phone
  • Account withdrawals
  • Bill payments
  • Transfers to or from Vancity accounts

1 free Everyday In-Person Transaction a month; 70¢ per transaction after.

Free if you maintain a minimum balance of $3,000.^

Everyday Debit Card

  • Debit card purchases
  • ATM cash withdrawals
  • ATM transfers between accounts

Free±

Everyday Online and Mobile

  • Bill payments
  • Cheque deposit using Vancity Mobile Deposit™
  • Transfers from Vancity accounts made online or using our automated phone service

Free

Everyday Cheques and Preauthorized Payments

  • Cheque transactions and pre-authorized payments from Vancity accounts

Free

Interac e-Transfer®

Free

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.

Get more as a member.

As a Vancity member, you'll also get great things like:

  • Member perks
    Discounts from our members and community partners.
  • A community built by you
    Your deposits at Vancity support people, and local businesses who are making a positive change — like The Soap Dispensary, who’s striving to keep single-use plastic packaging out of our landfills.
  • A vote equal to everyone else's
    One member, one vote. Our credit union is guided by the people who own it, our members.

Become a change-maker.

Join Vancity

Ready to be a financial force for change? Join 500,000+ others in making a clean and fair world.

Open account now

Already a member

Glad to have you. You can open additional accounts with online banking in Account Services.

Log in to Online Banking


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.