Our new Everyday banking accounts coming on November 1
We’re working hard to make banking better for every member. That’s why, coming soon, we’re introducing a new, simplified Everyday account line-up, designed to ensure all members enjoy great features and benefits.
Stay tuned for more information about the everyday advantages of our new account packages, what you can expect, and when the changes will take effect.
Chequing / everyday banking accounts - coming soon

Everyday Essentials
- $4.00
- Includes 10 defined debits
- Includes eTransfers

Everyday Select
- $15.00
- Includes 50 defined debits
- Includes eTransfers

Everyday Premium
- $21.00
- Unlimited transactions
- Interest on balances $5,000 and up

Virtual Advantage
- $8.50
- Unlimited online transactions
- Includes eTransfers

Thrive
- No package fee
- Unlimited transactions
- Up to age 25

Advantage 60+
- No package fee
- Unlimited transactions
- Interest on balances $5,000 and up

Everyday Essentials
- $4.00
- Includes 10 defined debits
- Includes eTransfers

Everyday Select
- $15.00
- Includes 50 defined debits
- Includes eTransfers

Everyday Premium
- $21.00
- Unlimited transactions
- Interest on balances $5,000 and up

Virtual Advantage
- $8.50
- Unlimited online transactions
- Includes eTransfers

Thrive
- No package fee
- Unlimited transactions
- Up to age 25

Advantage 60+
- No package fee
- Unlimited transactions
- Interest on balances $5,000 and up
Chequing / everyday banking accounts - current
Traditional Chequing Account
- $1 monthly fee (waived with $250 minimum monthly balance)
- Affordable transaction fees charged only on the services you use
Traditional Advantage I Chequing Account
- $6 monthly fee
- 25 free debits
- Unlimited free internet, telephone banking and eTransfers
Traditional Advantage II Chequing Account
- $12 monthly fee
- 50 free debits
- Unlimited, free internet, telephone banking and eTransfers
Traditional Advantage Max Chequing Account
- $18 monthly fee (waived with $5000 minimum monthly balance)
- Unlimited free debits, self-service banking and basic in-branch transactions
Hi-Tec Plan
- $8.50 monthly fee
- No charge for debits, online and self-service transactions
- Unlimited credit union ATM withdrawals and deposits
Grow With Us Account
- No monthly fees
- Unlimited free debits
- Unlimited online and self-service transactions
- Unlimited credit union ATM withdrawals and deposits
Excel Student Plan
- $3 monthly fee (waived with $1000 minimum monthly balance)
- 40 free transactions and many other no-charge services
Advantage 60+ Chequing Account
- No monthly fee
- Unlimited free electronic transactions and in-branch services
- No charge for personalized cheques
- Imaged statements and more
USD Chequing Account
- $1 monthly fee (waived with $250 minimum monthly balance)
Traditional Chequing Account
- $1 monthly fee (waived with $250 minimum monthly balance)
- Affordable transaction fees charged only on the services you use
Traditional Advantage I Chequing Account
- $6 monthly fee
- 25 free debits
- Unlimited free internet, telephone banking and eTransfers
Traditional Advantage II Chequing Account
- $12 monthly fee
- 50 free debits
- Unlimited, free internet, telephone banking and eTransfers
Traditional Advantage Max Chequing Account
- $18 monthly fee (waived with $5000 minimum monthly balance)
- Unlimited free debits, self-service banking and basic in-branch transactions
Hi-Tec Plan
- $8.50 monthly fee
- No charge for debits, online and self-service transactions
- Unlimited credit union ATM withdrawals and deposits
Grow With Us Account
- No monthly fees
- Unlimited free debits
- Unlimited online and self-service transactions
- Unlimited credit union ATM withdrawals and deposits
Excel Student Plan
- $3 monthly fee (waived with $1000 minimum monthly balance)
- 40 free transactions and many other no-charge services
Advantage 60+ Chequing Account
- No monthly fee
- Unlimited free electronic transactions and in-branch services
- No charge for personalized cheques
- Imaged statements and more
USD Chequing Account
- $1 monthly fee (waived with $250 minimum monthly balance)
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
- 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
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
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