New member offer
Get up to $500 when you open a Vancity chequing account online.
Earn cash by making everyday transactions, setting up direct deposits, or saving. Join by August 15, 2026 to be eligible.¹
Start banking
Earn $150 cash bonus for opening an account online and transacting
Bring your pay
Earn $250 cash bonus for setting up and receiving direct deposits
Build savings
Earn $100 cash bonus for opening and funding a High Interest Savings Account
1. Register for the offer.
Complete the form to opt in for the offer before opening your new account online.
2. Open a chequing account online.
Choose one of the below accounts and complete an online application.
3. How to earn your cash bonus.
To earn your cash bonus, complete the following actions within 90 days of opening your eligible account.
Earn $150 for making 10 everyday transactions
This includes deposits, bill payments, Interac e-Transfer®, pre-authorized payments, debit card purchases and ATM transactions.
Receive direct deposit and earn $250
Set up a direct deposit, such as payroll or pension, and receive it into your account at least twice.
And earn $100 for saving with us
Open a High Interest Savings Account and fund it with a minimum of $250.
Ready to open your account?
Register for this offer.
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.
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.
® Trademark of Interac Inc. Used under license.