Monthly fee: $0^ or $14.75/month
No monthly fee with a $3,000 minimum balance^
Want it rebated every year instead? Check out the Vancity Total Chequing account.
Monthly fee
$14.75/month
Free if you maintain a minimum balance of $3,000.^
Everyday In-Person
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
Free±
Everyday Online and Mobile
Free
Everyday Cheques and Preauthorized Payments
Free
Interac e-Transfer®
Free
Credit card benefits
First year annual rebate value up to $150 for primary account holder††
Choose one of the following cards:
enviro Visa Infinite Privilege* card
enviro Visa Infinite* card
enviro Visa Gold card
enviro Visa Gold card with Low Interest Rate + Vancity Rewards
enviro VIsa Classic card with Low Interest Rate + Vancity Rewards
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.
As a Vancity member, you'll also get great things like:
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Open account nowGlad 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.
View legal details
®Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license.
* Trademark of Visa Int. 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 $3,000.00 in your Vancity Essential Plus 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.