Ways to bank

Vision Credit Union members can do their banking when they need to... they can choose how, when and where they want to access their accounts and conduct their banking business – in person, over the telephone, by computer, or at thousands of cash machines and store locations worldwide.

Ways to bank

Vision Credit Union members can do their banking when they need to... they can choose how, when and where they want to access their accounts and conduct their banking business – in person, over the telephone, by computer, or at thousands of cash machines and store locations worldwide.


 

Online banking

With your personal computer and Internet access, you can manage your accounts or make payments 24 hours a day, safely and securely, with the click of a mouse. 


Manage your account and make payments

Easily add payees, pay bills, and schedule payments. 

You only need to do this once per vendor. After that, you can make your payments quickly and easily.
  1. Sign in.
  2. If you're using online banking click Transfers & payments, under Payments select Manage payees. If you're using the mobile banking app, navigate to your menu "=", select Payments and tap Manage payees
  3. Click the + symbol if you're using our app, or the Add payee button if you're using Vision's online banking
  4. Search for the vendor name, enter your payee account number and confirm your payee details
  5. This request requires an additional security step. Select how you want to receive your confirmation code
  6. Enter the confirmation code you received to confirm that you want to add this bill payee and click Continue
To pay a bill, first create your payee list. If you're already set up to pay bills, then you're ready to go:
  1. Sign in to Vision’s digital banking
  2. If you’re using online banking click Transfers & payments, under Payments select Pay bills. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap Pay bills
  3. Choose the account you’d like to pay from. If you’re using our app click Add Payment
  4. Select the bill vendor and enter the payment amount
  5. Change the payment date if you wish to schedule the bill payment for a future date
  6. Click Continue when you’re done and confirm your payment
  7. Click Add Payment if you’re using our app, click Continue and confirm your payment

Simply use the “Schedule recurring payments” option to set up recurring payments in online banking or in the mobile banking app. You can schedule a recurring bill payment up to three years in advance.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Payments select Pay bills. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap Pay bills
  3. Click on the Schedule recurring payments tab and select the account you will use to pay your bill
  4. Specify the vendor, amount, frequency of the payment and start and end date
  5. Confirm your payment
On a recurring payment series, you don't have the ability to edit the "pay from" account, frequency, starting date, ending date, etc. To make changes you will have to delete the payment series and re-add it with the correct details.

Tip: Deleting a payee will not automatically delete any future-dated or recurring payments for this payee. Before deleting a payee, we recommend that you review the list of scheduled bill payments and delete any future payments to this payee as necessary.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Payments select Manage payees. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap Manage payees
  3. Find the payee and click on the trash icon
  4. Confirm the payee to be deleted

Vision Credit Union's digital banking offers a convenient way to cancel bill payments.

  1. Sign in to Vision’s digital banking
  2. If you’re using online banking click Transfers & payments, under Payments select View scheduled payments. If you’re using the mobile banking app, navigate to your menu “=”, select Payments and tap View scheduled payments
  3. Select the account the bill payment was made from
  4. Select the payment you would like to delete
  5. Confirm payment to be deleted

Did you know?

Payments that are visible in the Scheduled Payment menu can be cancelled online. If the payment is no longer visible you can contact us, prior to 8 p.m. the same day and we will attempt to cancel it for you. Note: service fees may be applied.


Interac e-Transfers®

With Interac e-Transfer you can receive and automatically deposit money. Using online or mobile banking, you can send money to anyone with: 

  • An email address or mobile phone number
  • A bank account with a Canadian Financial Institution
  • Online banking access

To send someone an Interac e-Transfer, they need to be on your list of recipients.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select Manage contacts. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfer and tap Manage contacts
  3. Click the + symbol if you’re using our app, or the Add contact button if you’re on Vision’s online banking
  4. Enter the recipient’s name, email address and/or mobile phone number and notification method
  5. Enter a security question that the recipient will know the answer to, as well as the security answer he or she must provide to receive and deposit the money
  6. Confirm your contact details
  7. This request requires an additional security step. Select how you want to receive your confirmation code
  8. Enter the confirmation code you received to confirm that you want to add this recipient and click Continue

To begin using Interac e-Transfers you must have a profile created and the recipient added to your contact list.

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select Send money. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfer and tap Send money
  3. Select the account you would like to transfer funds from
  4. Select the recipient and the amount of the transfer
  5. Click Continue

Be sure to let the recipient know the answer to the security question (but don't send it along with the transfer). Your account will be debited the transfer amount immediately, plus a service fee (if applicable).

To receive an Interac e-Transfer you must have a profile created.

  1. When someone sends you an Interace-Transfer, you will receive a notification through email or text message
  2. Click on the link to access a secure Interac website. You will be taken to the Interac website and asked to select your financial institution
  3. Sign in to online banking or our mobile banking app
  4. Enter the answer to the security question and click Accept
  5. Select the account you would like the funds deposited into and click Continue
  6. Confirm transfer details and click Confirm

The Interac Autodeposit feature allows you to have money sent via Interac e-Transfer automatically deposited directly into your Vision Credit Union account, without having to answer a security question.

  1. Sign in to Vision’s digital banking
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select Autodeposit settings. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfer and tap Autodeposit settings
  3. Click the + symbol if you’re using our app, or the Add autodeposit button if you’re on Vision’s online banking
  4. Select what you want to register with and enter your mobile phone or email address
  5. Select the account where deposits will be made and check the box to acknowledge the statements
  6. Confirm autodeposit details and click Continue
  7. This request requires an additional security step. Select how you want to receive your authentication code
  8. Enter the confirmation code you received and click Continue
  9. You will receive an email or text message from Interac to complete the autodeposit registration. Click Complete registration
The Interac e-Transfer Request Money feature is not yet available on our new digital platform, but we are working on it

You can cancel pending, declined or expired transactions. 

  1. Sign in
  2. If you’re using online banking click Transfers & payments, under Interac e-Transfer select History. If you’re using the mobile banking app, navigate to your menu “=”, select Interac e-Transfer and tap History
  3. Click on the Pending transactions tab, choose the pending transfer you want to cancel and click the Cancel or “X” button
  4. Click Continue and confirm transaction details


    Transfer/send money

    You can easily transfer money between your Vision Credit Union accounts in just a few simple steps. 

    You can also schedule transfers up to two years in advance, or have them repeat daily, weekly, or monthly up to ten years. You can even make a RRSP or TFSA contribution by transferring into an existing RRSP or TFSA.  

    What you do:

    1. Sign in
    2. If you’re using online banking click Transfers & payments, under Transfers select Transfer funds. If you’re using the mobile banking app, navigate to your menu “=”, select Transfers and tap Transfer funds
    3. Choose the account you would like to transfer the funds from, the account you would like to transfer to, and enter the amount you would like to transfer
    4. Select the transfer type (it can be immediate, scheduled for a future date or recurring)
    5. Click Continue and confirm transfer details

    You can transfer money to another Vision Credit Union member’s account through online or mobile banking. To set up a member-to-member transfer you require the 12-digit Vision Credit Union account number for that member. You must also have a valid email address or mobile phone number on file to complete the request.

    Tip: Make your member-to-member transfer a favourite transaction. This way you won’t need to remember their 12-digit account number every time you want to transfer money to them.

    What you do:

    1. Sign in
    2. If you’re using online banking click Transfers & payments, under Transfers select Transfer funds. If you’re using the mobile banking app, navigate to your menu “=”, select Transfers and tap Transfer funds
    3. Choose the account you would like to transfer the funds from and select the Transfer to Another VCU member radio button
    4. Enter the 12-digit account number you would like to transfer the funds to and the amount
    5. Select the transfer type (it can be immediate, scheduled for a future date or recurring) and confirm transfer details
    6. This request requires an additional security step. Select how you want to receive your confirmation code
    7. Enter the confirmation code you received to confirm that you want to transfer funds and click Continue


    Mobile deposits

    You can use the mobile app to deposit cheques to an eligible Vision Credit Union savings or chequing account.

    • The cheque can’t be drawn on the same account the funds are coming out of
    • The cheque can’t be post-dated or altered
    • Deposits need to be in Canadian funds drawn on a Canadian financial institution
    • All deposits should be payable to, and endorsed by, the account holder
    • The limit is $100,000 per cheque
    • Keep remotely deposited cheques in a safe place for 90 days, then destroy them 

    What you do:

    1. Sign in to the Vision Credit Union mobile app, navigate to your menu “=” and select Mobile Deposit
    2. Select the account in which you’d like to deposit your cheque, and enter the cheque amount
    3. Using your device, take a picture of the front and back of your cheque
    4. Confirm deposit details
    NOTE: The funds will immediately appear in your account, but normal hold times still apply for all deposited amounts.


    Set up and manage alerts

    Alerts are notifications that Vision Credit Union sends you to keep you informed of certain activities that have occurred on your accounts.

    We recommend you set them up so you will be notified if a transaction or action has happened that you didn’t perform. 

    You can set up alerts yourself, in online banking or on the mobile app, and choose how you will be notified. Just another convenient way to keep your banking experience secure.

    1. Sign in
    2. If you’re using online banking click My VCU, under Alerts select Security. If you’re using the mobile banking app, navigate to your menu “=”, select Alerts and choose Security
    3. Select the type of alerts you would like to receive and how you would like to receive them
    4. Save and you’re done.
    1. Sign in
    2. If you’re using online banking click My VCU, under Alerts select Security. If you’re using the mobile banking app, navigate to your menu “=”, select Alerts and choose Security
    3. Select the type of alerts you would like to receive and how you would like to receive them
    4. Save and you’re done.

    You can adjust or unsubscribe to your current alerts or subscribe to new ones at any time. Sign in to online banking, navigate to My VCU and choose from Account or Security Alerts.

    You can also change your alerts on your mobile banking app by navigating to your menu “≡”, selecting Alerts and choose from Account or Security Alerts


    Stop payments

    1. Sign in to Vision Credit Union’s online banking
    2. Go to Accounts, under Cheques select Stop cheques
    3. Click Create a stop cheque
    4. Select the account the cheque is drawn on
    5. Select a reason for the stop cheque request
    6. Enter the cheque date, the name of the payee, cheque number and cheque amount
    7. Click Continue and confirm cheque stop details

    A service fee will be applied if the debit is returned as Stop. See your branch for more information.

    1. Review your account activity to make sure that the pre-authorized payment hasn't already been processed. 
    2. Contact us to stop a pre-authorized payment.


    Update personal information

    To update your home address, phone number(s) and email address yourself, we need to have either your mobile phone number or your email address in our system.

    • In online banking, selected My VCU, then under Settings click Contact details
    • In mobile banking, navigate to your menu "=", select Settings and tap Contact details

     

    Mobile app

    Take banking anywhere you go with Vision Credit Union’s convenient Mobile App, available on iPhone and Android™ devices. With a host of convenient features, it's a fast and secure way to handle everyday banking.

    With the Vision Credit Union Mobile App you can:

    • Check account balances and account activity
    • Pay bills
    • Deposit cheques on the go using your smartphone or tablet
    • Transfer money between accounts or to other members
    • Manage scheduled payments and transfers
    • Check the latest interest rates
    • Send or receive INTERAC e-Transfer, or add a recipient
    • Find your closest branch or ATM

    Download the App today. It’s easy! Search Vision Credit Union in the App Store or Google Play™.

    Privacy and security

    It’s our priority to keep your information safe, which is why our Mobile App uses the same high level of security as our online banking website.
    Any questions? Visit our Frequently Asked Questions (FAQ) page.

    iPhone, iPod touch, and iPad are trademarks of Apple Inc. registered in the United States and other countries. ®™Android is a trademark of Google Inc. ™Google Play is a trademark of Google Inc. Used under license. †Trade-mark of Interac® Inc. Used under license.


     

    In branch

    Helping members is the reason we’re in business. Whether you want to apply for a loan, take care of daily banking or just pop in for a chat, we’re always glad to see you. Visit us today at one of our 18 branches in 17 communities across central and northern Alberta. Find a Vision branch near you.


     

    ATMs

    Get access to your money anytime with your Member Card debit card at a Vision Credit Union ATM, or at any other ATM on the Interac® network. As a member of an Alberta Credit Union, you can do your banking surcharge-free with our extensive network of credit union ATMs across the province. Find a Vision branch / ATM near you.


     

    Lost or Stolen Member Card or Collabria Credit Card

    If your Vision Credit Union Member Card is lost or stolen, please call 1-888-277-1043.

    If your Vision Collabria Credit Card has been lost or stolen, please call:
    Canada and U.S.: 1-855-341-6463
    International Collect: 1-647-252-9564

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