Vancity Total Chequing

Our most feature-packed account.

Monthly fee: $0^ or $25.75/month
No monthly fee with a $6,000 minimum balance^

Open an account

Highlights to love.

Spend on what you love and save on these fees:

  • Free debit card transactions and Interac e-Transfers®
  • Annual rebate up to $150 on select rewards credit cards††
  • Free pre-authorized debits and bill payments
  • No Vancity fee to use any ATM worldwide§
See full list of features
Open an account

More perks for everyday banking.

No fees^ on all sorts of transactions including:

  • Unlimited Everyday Online & Mobile, In-Person, and Debit Card transactions§
  • Free personalized cheques
  • Free bank drafts in all available currencies
See full list of features
Open an account

Totally included: a rewards credit card of your choice.††

  • Annual fee rebate — up to $150/year on select cards††
  • Earn more points per dollar with premium card options
  • Complimentary membership to Visa Airport Companion when you select an enviro Visa Infinite* or enviro Visa Infinite Privilege* card
Open a Total Chequing Account See all included credit cards

What's included.



Monthly fee


Free if you maintain a minimum balance of $6,000^.

Everyday In-Person

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


Everyday Debit Card

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


Plus, no Vancity fee to use ATMs across all networks worldwide§

Everyday Online and Mobile Banking

  • Interac e-Transfers®
  • Cheque deposit using Vancity Mobile Deposit™
  • Transfers from Vancity accounts made online or using our automated phone service


Everyday Cheques and Preauthorized Payments

  • Personalized cheques
  • Requests to deposit post-dated cheques
  • Cheque retrieval and tracing
  • Cheque transactions and pre-authorized payments from Vancity accounts


Additional benefits

Free bank drafts in all currencies

$5 discount on safe deposit box

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

Open a Total Chequing Account


When will I receive my credit card rebate?

To receive the credit card annual fee rebate, you must be the primary/first-name Total Chequing bank account holder and primary credit cardholder.

The rebate may be paid up to 3 credit card billing cycle dates after the annual fee has been charged.††

Only credit card annual fees charged after the Vancity Total Chequing Account has been opened qualify for the rebate.

If you are unsure, please contact us.

Get more as a member.

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

  • Member perks
    Discounts from our members and community partners.
  • A community built by you
    Your deposits at Vancity support people and businesses in our communities who are making a positive change.
  • 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

If you’d like to upgrade your current chequing account, which means you can retain scheduled transfers, pre-authorized payments and other settings, please call us at: 604-709-8802 or 1-866-259-0673.

Otherwise, you can open a new account in Online Banking under Account Services.

Log in to Online Banking