Monthly fee: $0^ or $9.75/month
No monthly fee with a $1,500 minimum balance^
Monthly fee
$9.75/month
Free if you maintain a minimum balance of $1,500^.
Everyday Online and Mobile
Free
Everyday In-Person, Debit Card, Cheque Transactions, and Interac e-Transfers®
25 total free transactions per month; after that per item fees apply ($0.50 - $0.90).
Preauthorized Payments
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.
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®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 account at all times for the full calendar month.
¤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.