Vancity bank accounts and rates

We track 11 Vancity accounts, 5 personal and 6 business. 2 of them carry no monthly fee and the dearest is $40.00 a month. Every figure here comes from the institution’s own published pages, and where something is not published we leave it blank rather than record a zero. Last checked 19 August 2026.

The highest starting rate posted here is 0.6%, on the Vancity Jumpstart High Interest Savings. That account pays by balance band rather than one rate, and the bands are on its page. Posted rates only: a promotional rate that ends in ninety days is not what an institution pays, so it is recorded on the account and not counted here.

Deposits are covered by British Columbia, no stated limit, taken from what the institution publishes rather than from what the scheme covers in general. What deposit insurance actually covers sets out the difference and why an unlimited provincial guarantee is not the same promise as the federal one.

Every Account, With What It Costs

• Vancity Jumpstart High Interest Savings

  No monthly fee · 4.5% promotional rateBritish Columbia, no stated limit

  Posted rate 0.60% effective Feb 6, 2026. New member promo: up to +3.90% bonus for 90 calendar days on new funds, max $1M; account must be opened within 30 days of a new personal

• Vancity Pay As You Go Chequing

  No monthly fee · 0% interest · No transactions includedBritish Columbia, no stated limit

• Vancity Essential Chequing

  $9.75 a month · 0% interest · 25 transactions a monthBritish Columbia, no stated limit

  $0 with minimum balance of $1,500

• Vancity Essential Plus Chequing

  $14.75 a month · 0% interest · Unlimited transactionsBritish Columbia, no stated limit

  $0 with minimum $3,000 held at all times for the full calendar month

• Vancity Total Chequing

  $25.75 a month · 0% interest · Unlimited transactionsBritish Columbia, no stated limit

  $0 with minimum balance of $6,000

• Vancity Business Self-Serve PackageBusiness

  $8.00 a month · 40 transactions a month

• Vancity Business Full Serve PackageBusiness

  $14.00 a month · 70 transactions a month

• Vancity Independent Business AccountBusiness

  $20.00 a month · 100 transactions a month

• Vancity Business Prime AccountBusiness

  $28.00 a month · 150 transactions a month

• Vancity Business USD Chequing AccountBusiness

  $30.00 a month · 200 transactions a month

• Vancity Business USD Savings AccountBusiness

  $40.00 a month · 200 transactions a month

Comparing across institutions? Compare every account on what it would cost you, work out what a chequing account really costs, or browse the full directory.