Vancity Total™ Chequing

®Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license.

* Trademark of Visa Int. Used under license.

^§ 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.

^{^} 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 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.

^◊ You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite and enviro Visa Infinite Privilege card. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as (i) Grocery Stores; Freezer and Locker Meat Provisioners; Candy Stores; Dairy Product Stores; Bakeries; and Misc. Food Stores – Convenience Stores and Specialty Markets are “groceries”; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries”. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply.

^⌀ enviro Visa Infinite and enviro Visa Infinite Privilege cardholders have access to participating lounges through the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enroll for this benefit using a valid enviro Visa Infinite or enviro Visa Infinite Privilege card. Upon enrollment, six complimentary lounge visits will be available for enviro Visa Infinite Privilege cardholders per membership year. All visits for enviro Visa Infinite cardholders and additional visits beyond the complimentary visits for enviro Visa Infinite Privilege cardholders are subject to a fee per person per visit. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service  and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program and more details on how to enroll, please visit  visaairportcompanion.ca. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor Vancity is responsible for any claims or damages arising from participation in the Program. The value of a Visa Airport Companion membership (managed by DragonPass International Ltd.) and airport lounge visits are based on the value of purchasing a DragonPass membership ($68 USD) and airport lounge visit ($31 USD) converted into CAD at an exchanged rate of 1.32. This estimated value is merely an estimate for illustrative purposes only. Actual value of a Visa Airport Companion membership and airport lounge visit may vary.

^± Fees listed in this table apply to Vancity Total Chequing accounts only. When transacting with Vancity on other account types you will be responsible for any fees associated with the account type.

For a full list of fees and details, see the Personal Service Charge Bulletin .