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Account package and service fees are changing in November
  1. Personal
  2. Bank
  3. Chequing Accounts

Our new Everyday banking accounts coming on November 8

We’re working hard to make banking better for every member. That’s why, in November, we’re introducing a new, simplified Everyday account line-up, designed to ensure all members enjoy great features and benefits.

Click on the "Learn more" on each of the new accounts to see all the details of what our new Everyday spending accounts offer. 

Chequing / everyday banking accounts​ - Nov. 8

 

Chequing / everyday banking accounts​ - current

 

Traditional Account

The bread and butter of Vision’s daily banking accounts. This basic chequing account is designed for folks whose banking needs are simple. It’s everything you need and nothing you don’t for a low monthly fee. Our affordable transaction costs are charged only on the services you use.

 

Features:

  • Monthly fee $1.00 (waived with $250 minimum monthly balance)
  • Free deposits – credit union ATM
  • 2 free credit union ATM withdrawals/transfers per month ($0.50 per additional)
  • Free imaged statements

Fees:

Online/telephone banking bill payments $1.00
Online/telephone banking transfers Free
Interac eTransfers
 $1.00
Automated Funds Transfer (AFT)
 $0.95
Debit purchases
 $0.95
Bill payments – credit union ATM
 $1.00
ATM transactions – non credit union $2.00
ATMs outside Canada
 $4.00
In-branch bill payments
 $1.50
In-branch withdrawals/transfers
 $0.95
Cheque withdrawals
 $0.95
Personalized cheques
 Cost
Statement copy – paper
 $2.50
Commission fees - official orders (CDN)
 $15.00
 

Traditional Advantage I 

The first level of our trio of package chequing accounts with options to suit different banking habits. Best for members who do a moderate number of banking transactions each month.

 

Features:

  • Monthly fee $6.00
  • A combination of 25 free transactions from the following (additional fees apply after 25 transactions):
    • Automated Funds Transfer (AFT) ($0.95 per additional)
    • Debit purchases ($0.95 per additional)
    • Withdrawals/transfers – credit union ATM ($0.50 per additional)
    • Bill payments – credit union ATM ($1.00 per additional)
    • In-branch withdrawals/transfers ($0.95 per additional)
    • Cheque withdrawals ($0.95 per additional)
  • ATMs outside Canada – $4.00
  • Statement copy (paper) – $2.50
  • Personalized cheques – Cost
  • Tiered interest, calculated daily, paid monthly
  • $6 discount on safety deposit box annual fee 

Other free transactions:

  • Free online/telephone banking/bill payments
  • Free Interac eTransfers
  • Free credit union ATM deposits
  • 5 free ATM transactions – non-credit union ($2.00 per additional)
  • Free in-branch bill payments
  • Free imaged statements
  • Free commission fees, official orders (CDN)

Traditional Advantage II

The second level of our trio of package chequing accounts with options to suit different banking habits. Best for members who do a frequent number of banking transactions each month.

 

Features:

  • Monthly fee $12.00
  • A combination of 50 free transactions from the following (additional fees apply after 50 transactions):
    • Automated Funds Transfer (AFT) ($0.95 per additional)
    • Debit purchases ($0.95 per additional)
    • Withdrawals/transfers – credit union ATM ($0.50 per additional)
    • Bill payments – credit union ATM ($1.00 per additional)
    • In-branch withdrawals/transfers ($0.95 per additional)
    • Cheque withdrawals ($0.95 per additional)
  • ATMs outside Canada – $4.00
  • Statement copy (paper) – $2.50
  • Personalized cheques – Cost
  • Tiered interest, calculated daily, paid monthly
  • $12 discount on safety deposit box annual fee 

Other free transactions:

  • Free online/telephone banking/bill payments
  • Free Interac eTransfers
  • Free credit union ATM deposits
  • 5 free ATM transactions – non-credit union ($2.00 per additional)
  • Free in-branch bill payments
  • Free imaged statements
  • Free commission fees, official orders (CDN)

Traditional Advantage Max

The highest level of our trio of package chequing accounts with options for different banking habits. Best suited to members who need nearly unlimited banking transactions each month.

 

Features:

  • Monthly fee $18.00 (waived with $5,000 minimum monthly balance)
  • Included transactions:
    • Free online/telephone banking/bill payments
    • Free Interac eTransfers
    • Free Automated Funds Transfer (AFT)
    • Free debits
    • Free deposits – credit union ATM
    • Free bill payments – credit union ATM
    • 10 free ATM transactions: non-credit union ($2.00 per additional)
    • Free in-branch withdrawals/transfers
    • Free in-branch bill payments
    • Free cheque withdrawals
    • Free imaged statements
    • Free commission fees - official orders (CDN)
  • $15 discount on safety deposit box annual fee
  • Tiered interest, calculated daily, paid monthly

Fees:

ATMs outside Canada
 $4.00
Personalized cheques
 Cost
Statement copy – paper
 $2.50

Hi-Tec Plan

Bank to your own tune with a Hi-Tec Plan from Vision.

 

Features:

  • Monthly fee $8.50
  • Included transactions:
    • Free debits
    • Free online/telephone banking/bill payments
    • Free Interac eTransfers
    • Free Automated Funds Transfer (AFT)
    • Free deposits – credit union ATM
    • Free withdrawals/transfers – credit union ATM
    • Free bill payments – credit union ATM
    • Free imaged statements
    • 5 free ATM transactions – non-credit union ($2.00 per additional)
  • Tiered interest, calculated daily, paid monthly

Fees:

ATMs outside Canada
 $4.00
In-branch bill payments
 $1.50
In-branch withdrawals/transfers
 $0.95
Cheque withdrawals
 $0.95
Personalized cheques
 Cost
Statement copy – paper
 $2.50

Grow With Us Account

The everyday banking account for members 18 and under. There are no monthly fees and unlimited, free debits, online and self-service transactions, and credit union ATM withdrawals and deposits.

 

Features:

  • Monthly fee – FREE for members 18 and under
  • Included transactions:
    • Free debits
    • Free online/telephone banking/bill payments
    • Free Interac eTransfers
    • Free Automated Funds Transfer (AFT)
    • Free deposits – credit union ATM
    • Free withdrawals/transfers – credit union ATM
    • Free bill payments – credit union ATM
    • Free imaged statements
  • Tiered interest, calculated daily, paid monthly

Fees:

ATM transactions – non credit union $2.00
ATMs outside Canada
 $4.00
In-branch bill payments
 $1.50
Personalized cheques
 Cost
Statement copy – paper
 Free

Excel Student Plan

Get a better grade of student banking with Vision. Our chequing account for full time post-secondary students comes with a low monthly fee, 40 free transactions and many other no-charge services. We’ll even waive the transaction fees if you maintain a minimum monthly balance of $1,000.

 

Features:

  • A combination of 40 free withdrawal transactions from the following (additional fees apply after 40 transactions):
    • Automated Funds Transfer (AFT) ($0.95 per additional)
    • Debit purchases ($0.95 per additional)
    • Credit union ATM withdrawals/transfers($0.50 per additional)
    • Credit union ATM bill payments ($1.00 per additional)
  • ATMs outside Canada – $4.00
  • Statement copy (paper) – $2.50
  • Personalized cheques – Cost
  • Tiered interest, calculated daily, paid monthly

Other free transactions:

  • Free online/telephone banking/bill payments
  • Free Interac eTransfers
  • Free deposits credit union ATM
  • 5 free ATM transactions: non-credit union ($2.00 per additional)
  • 2 free cheque withdrawals or in-branch bill payments ($0.95 per additional)
  • Free imaged Statements

Getting started is easy.

If you’re already a member and want to switch to a student account, bring proof of your enrolment to your local branch and a member service team member will help set up your account.

Headed to college/university?
Not a Vision member yet?

We’d be happy to set you up with a Vision Excel Student plan. Stop by a branch near you (with your ID and proof of enrolment in school) and we'll open an account for you in no time.

Advantage 60+ Account

Vision Credit Union celebrates our senior members with our Advantage 60+ account.

 

Features:

  • Monthly fee – free
  • Included transactions:
    • Free debits
    • Free online/telephone banking/bill payments
    • Free Interac eTransfers
    • Free deposits – credit union ATM
    • Free bill payments – credit union ATM
    • Free withdrawals/transfers – credit union ATM
    • Free imaged statements
    • Free Automated Funds Transfer (AFT)
    • Free in-branch withdrawals/transfers
    • In-branch bill payments
    • 5 free ATM transactions: non-credit union ($2.00 per additional)
    • Free commission fees, official orders (CDN)
  • $12 discount on safety deposit box annual fee
  • Tiered interest, calculated daily, paid monthly

Fees:

ATMs outside Canada
 $4.00
Personalized cheques
 No charge on Flair
Statement copy – paper
 Free

USD Chequing Account

Designed for basic USD chequing transactions and purchasing US dollars to take advantage of favourable exchange rates.

 

Features:

  • Monthly fee $1 (waived with $250 minimum balance)
  • No online banking
  • Free imaged statement/$2.00 Statement copy (paper)
  • Tiered interest, calculated daily, paid monthly

Fees:

Automated Funds Transfer (AFT)
 $0.95
In-branch withdrawals/transfers
 $0.95
Cheque withdrawals
 $0.95
Personalized cheques
 Cost

Special services and charges

 
Commission fees – official orders (INTL) $15.00
Chargebacks - CDN
 $7.00
Chargebacks - US $10.00
Chargebacks – NSF cheques / AFT
 $48.00
Foreign cheque handling $15.00
Cheque – stop payments – complete information $15.00
Cheque – stop payments – incomplete $25.00
Safety deposit box $40.00 and up

Everyday Essentials


The bread and butter of Vision’s daily banking accounts. This basic chequing account is designed for folks whose banking needs are simple. It’s everything you need and nothing you don’t for a low monthly fee. 

It's always free to deposit money (ATM deposit, Interac e-Transfer or photo cheque deposit via your Vision online banking app). It's also always free to view your e-statements in your online banking. 

Features:

  • $4.00 monthly fee
  • Includes 10 defined debits
  • Includes e-Transfers
  • Free deposits at ATMs or in-branch
  • Free photo cheque deposit via our online banking app
  • Save automatically to your account
  • Free online e-Statements


To see what a “defined debit transaction” is, click on the Service charges and fees button below.

You can:

  • Access thousands of ding-free ATMs across Canada at other Credit Unions
  • Receive a Debit Mastercard, with best-in-class features as your everyday debit card
  • Access online banking how you choose:
    • Over a desktop computer
    • Tablet via browser or online banking app
    • Mobile phone via browser or online banking app on iOS or Android
  • Rest easy knowing that your money is 100% guaranteed thanks to the Credit Union Deposit Guarantee Corporation

Everyday Select

The Everyday Select account offers an option for a member who does a frequent number of banking transactions each month.

It's always free to deposit money (ATM deposit, Interac e-Transfer or photo cheque deposit via your Vision online banking app). It's also always free to view your e-statements in your online banking. 

Features:

  • $15.00 monthly fee
  • Includes 50 defined debits
  • Includes e-Transfers
  • Free deposits at ATMs or in-branch
  • Free photo cheque deposit via our online banking app
  • Save automatically to your account
  • Free online e-Statements


To see what a “defined debit transaction” is, click on the Service charges and fees button at the bottom of the page.

You can:

  • Access thousands of ding-free ATMs across Canada at other Credit Unions
  • Receive a Debit Mastercard, with best-in-class features as your everyday debit card
  • Access online banking how you choose:
    • Over a desktop computer
    • Tablet via browser or online banking app
    • Mobile phone via browser or online banking app on iOS or Android
  • Rest easy knowing that your money is 100% guaranteed thanks to the Credit Union Deposit Guarantee Corporation

Everyday Premium

The Everyday Premium account is best suited to members who need nearly unlimited banking transactions each month. 

It's always free to deposit money (ATM deposit, Interac e-Transfer or photo cheque deposit via your Vision online banking app). It's also always free to view your e-statements in your online banking. 

Features

  • $21.00 monthly fee
  • Includes e-Transfers
  • Interest on Balances over $5,000
  • $5,000 minimum balance fee waiver
  • Free deposits at ATMs or in-branch
  • Free photo cheque deposit via our online banking app
  • Save automatically to your account
  • Free online e-Statements


To see what a “defined debit transaction” is, click on the Service charges and fees button at the bottom of the page.

You can:

  • Access thousands of ding-free ATMs across Canada at other Credit Unions
  • Receive a Debit Mastercard, with best-in-class features as your everyday debit card
  • Access online banking how you choose:
    • Over a desktop computer
    • Tablet via browser or online banking app
    • Mobile phone via browser or online banking app on iOS or Android
  • Rest easy knowing that your money is 100% guaranteed thanks to the Credit Union Deposit Guarantee Corporation

Virtual Advantage

This online banking package is designed for members who do most, if not all, of their banking online. 

It's always free to deposit money (ATM deposit, Interac e-Transfer or photo cheque deposit via your Vision online banking app). It's also always free to view your e-statements in your online banking. 

Features:


  • $8.50 monthly fee
  • Unlimited online transactions
  • Includes e-Transfers
  • Free deposits at ATMs
  • Free photo cheque deposit via our online banking app
  • Save automatically to your account
  • Free online e-Statements


To see what a “defined debit transaction” is, click on the Service charges and fees button at the bottom of the page.

You can:

  • Access thousands of ding-free ATMs across Canada at other Credit Unions
  • Receive a Debit Mastercard, with best-in-class features as your everyday debit card
  • Access online banking how you choose:
    • Over a desktop computer
    • Tablet via browser or online banking app
    • Mobile phone via browser or online banking app on iOS or Android
  • Rest easy knowing that your money is 100% guaranteed thanks to the Credit Union Deposit Guarantee Corporation

Thrive

This Everyday banking account is intended for members aged 25 and under. There are no monthly fees and unlimited point-of-sale transactions, online and self-service transactions and credit union ATM withdrawals and deposits.

It's always free to deposit money (ATM deposit, Interac e-Transfer or photo cheque deposit via your Vision online banking app). It's also always free to view your e-statements in your online banking. 

Features:

  • No package fee
  • Unlimited transactions
  • Up to age 25
  • Free photo cheque deposit via our online banking app
  • Save automatically to your account
  • Free online e-Statements
  • Sign up for our KOFE financial literacy – coming soon

To see what a “defined debit transaction” is, click on the Service charges and fees button at the bottom of the page.


You can:

  • Access thousands of ding-free ATMs across Canada at other Credit Unions
  • Receive a Debit Mastercard, with best-in-class features as your everyday debit card
  • Access online banking how you choose:
    • Over a desktop computer
    • Tablet via browser or online banking app
    • Mobile phone via browser or online banking app on iOS or Android
  • Rest easy knowing that your money is 100% guaranteed thanks to the Credit Union Deposit Guarantee Corporation

Advantage 60+

Vision Credit Union celebrates our senior members with our Advantage 60+ account.

It's always free to deposit money (ATM deposit, Interac e-Transfer or photo cheque deposit via your Vision online banking app). It's also always free to view your e-statements in your online banking. 

Features:

  • No package fee
  • Unlimited transactions
  • Interest on balances $5,000 and up
  • $12 discount on safety deposit box annual fee
  • Interest calculated daily, paid monthly
  • Free photo cheque deposit via our online banking app
  • Save automatically to your account
  • Free online e-Statements
To see what a “defined debit transaction” is, click on the Service charges and fees button below.




Service charges and fees

You can:

  • Access thousands of ding-free ATMs across Canada at other Credit Unions
  • Receive a Debit Mastercard, with best-in-class features as your everyday debit card
  • Access online banking how you choose:
    • Over a desktop computer
    • Tablet via browser or online banking app
    • Mobile phone via browser or online banking app on iOS or Android
  • Rest easy knowing that your money is 100% guaranteed thanks to the Credit Union Deposit Guarantee Corporation
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