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Ways to Bank & Pay

We offer a variety of ways to manage your money.

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In Person

Allow our friendly and knowledgeable staff to serve you at one of our four branches.

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Online Banking

Manage your money 24 hours a day through online banking.

With our Online Banking, you can:

  • View account history
  • Download statement information
  • View cheque images online
  • Pay bills
  • Transfer funds
  • View interest rates
  • Access your CU Credit Mastercard® accounts


How to sign up:

  1. Contact any branch of GVC Credit Union.
  2. Sign the Direct Services Agreement. This agreement also gives you unlimited access to GVC Credit Union's online banking service using the same Personal Access Code (PAC).
  3. Set up your PAC.
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Use An ATM Card

Access your accounts from ATMs using your MEMBER CARD® Debit Card.


  • Surcharge-free withdrawals, deposits, and PIN changes
  • Use any of the deposit-taking ATMs on THE EXCHANGE® Network to make a deposit.
  • Use the ATM locator to allow you to find the nearest ATM and sort by which ATM offers surcharge-free withdrawals, deposits, PIN changes and more.


Benefits of chip technology:

  • Enhanced security – chip cards contain an embedded microchip which can store data that is encrypted.
  • Greater convenience – chip cards are inserted into a terminal rather than swiped. Your card never has to leave your hand, providing a simple and secure way to pay.
  • Greater PIN control – change your PIN anytime at any GVC Credit Union ATM or any ATM on THE EXCHANGE network.


Carrying out a chip transaction:

  1. Insert your MEMBER CARD Debit Card into the terminal reader slot.
  2. Leave your card in the terminal for the duration of the transaction.
  3. Follow the prompts as usual to complete your transaction.
  4. Once the transaction is complete, remove your card.


If you have any questions about your chip MEMBER CARD Debit Card, please contact your branch or GVC's Help Line at 604.421.3565.

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Mobile App

Handle your daily banking wherever and whenever it’s easiest for you – quickly and securely.
Apple Store Mobile App  Google Play Mobile App

With our mobile app, you can:

  • View your account balance and history
  • Pay and manage bills
  • Transfer funds
  • Schedule future payments and transfers
  • Find a nearby branch or ATM



  • No new passwords to remember. Account log-in information is the same as your online banking information.
  • Fast and easy to navigate
  • Compatible with iPhone and Android devices


Check balances in a flash with QuickView

Browse selected account balances on the go, even before you've logged in. Activate the QuickView feature in the app, and a single tap on the screen will keep you in the know.


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.

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

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Deposit Anywhere™

Deposit cheques in less than a minute with your smartphone or tablet.

How to use it:

  1. Open the app on your smartphone.
  2. Select your account and enter the amount
  3. Snap a photo of the front and back of your cheque.
  4. Confirm the details and tap “submit”.
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Mobile Web

Online banking optimized for mobile. No registration, download or app installation required.

How to use it:

  1. Visit from your smartphone.
  2. You will be given an option to use our mobile optimized version of the site.
  3. Click the link and you can choose between the custom-designed online banking service or use our regular site.


Features include:

  • View account balances
  • View account history
  • Pay bills
  • Transfer funds between your accounts
  • Find a nearby branch or ATM
  • View the latest interest rates
  • Contact GVC branch with one touch dialing


Mobile Web Costs

Mobile Web Banking is free but some smartphone plans charge for data use and your carrier may charge you data rates. If you use Mobile Web Banking on a free Wi-Fi connection, you shouldn't be charged data rates.

Check with your mobile carrier to avoid any surprises.

Check out our Mobile Banking FAQs for more.

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Interac® e-Transfer

Send funds to anyone, anytime, to any bank account in Canada—all you need is their email address or mobile phone number.

Features include:

  • Notifications received via text or email.
  • Transfers sent with a required password only the recipient knows.
  • Funds transferred securely between financial institutions using established banking procedures.
  • No personal or financial information exchanged between the sender and receiver.
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Mobile Text Banking

All your banking account information whenever you want it, wherever you want it.

How to sign up:

  1. Log in to online banking.
  2. Click on Account Services on the left of your online banking page.
  3. Click on Mobile Text Banking on the fly-out menu.
  4. Proceed to set up your mobile phone for text banking.

Check out our Mobile Banking FAQs for more.


Note: Text messaging fees from your mobile carrier may apply.


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With MEMBER CARD® Debit Card, members can access their accounts through ATMs across Canada and worldwide. Deposits, withdrawals and transfers can be made from any credit union machine displaying the ACCULINK® or EXCHANGE® symbols; without additional surcharges. Cash withdrawals can be made from any other ATMs that display the CIRRUS® or INTERAC® symbols.

Remember, withdrawals with your MEMBER CARD® Debit Card at any GVC Credit Union ATM are free! Additionally, GVC ATMs offer bill payment functionality and mini-statements.

To find a credit union ATM in Canada, click here or use the "Find Branch/ATM" button located at the top of the screen in the global navigation area.

To find a CIRRUS® ATM anywhere in the world, click here.

Statement of Commitment to the Code of Conduct

Greater Vancouver Community Credit Union is stating our re-commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code was designed to protect credit union members' interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

®MEMBER CARD & Design are registered cerification marks owned by Canadian Credit Union Association, used under license.

Interac, the Interac logo and Interac® Flash are trademarks of Interac Inc. used under license.

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More ways to bank with Interac e-Transfer

If you’ve signed up for online banking, Interac e-Transfer is automatically enabled for you.


The Autodeposit feature allows money sent to you via Interac e-Transfer to be deposited directly into your credit union account, without having to answer a security question.

How to set it up:

Members simply register their email address with Interac in order to take advantage of this feature:

  1. Sign in to Online Banking and click on Transfers.
  2. Click Send Interac e-Transfer.
  3. Click Autodeposit.
  4. Enter your email and select the account you want to use with Autodeposit.
  5. Click Register and click Done
  6. An email will be sent to you for confirmation.

For more information, click here.

Important information

  • There is no fee to deposit money into your account that you receive by email.
  • If you do not want to deposit the money into your account, you can decline the transfer.


Get paid easily with Request Money*

It’s easy to request money you’re owed with the Interac e-Transfer Request Money feature! When you send a request for money, the recipient is notified instantly and can accept the request. When accepted, the money will be automatically deposited into your account, and you’ll be notified.

How to request money by Interac e-Transfer

  1. Sign in to online banking and click on Transfers.
  2. Click Request Interac e-Transfer.
  3. Ensure you have a sender profile created and Recipient added.
  4. Click the Request From dropdown and select the recipient you want to request the money from and complete the following:
    • Amount
    • Invoice #
    • Invoice Due By
    • Message
    • Deposit to
  1. Click Request.

For more information, click here.

Important information

  • There is no fee to deposit money into your account that you receive by email.
  • The requester will be responsible for paying any associated Interac e-Transfer fees. GVC Credit Union’s Personal Chequing Accounts offer free unlimited Interac e-Transfer transactions.
  • If you do not want to deposit the money into your account, you can decline the transfer.

How to send an Interac e-Transfer

  1. Log in to your online banking.
  2. Create a profile with your email address and/or mobile phone number (if you haven't already done so).
  3. Select Send Interac e-Transfer under Transfers.
  4. Select a recipient, or add a new recipient profile by entering the person's name or business name, plus an email address and/or mobile phone number.
  5. Choose whether the recipient will receive an email and/or text message.
  6. Create a security question and answer.
  7. Add a personal message (optional) but don't include the answer to the security question.
  8. Select an account from which to make the transfer and enter the amount.
  9. Send the Interac e-Transfer.

Within approximately 30 minutes, the recipient will be notified that the payment has been made.

How to receive an Interac e-Transfer 

  1. Click on the link and you'll be taken to a secure Interac website.
  2. Follow the instructions on the site and you'll be redirected to our online banking login screen.
  3. Log in to answer the security question and accept the transfer.
  4. Select the account you want the money deposited into.


What is an Interac e-Transfer?

It’s an easy, secure, and convenient way to send or receive money.

Who can use Interac e-Transfer?

Any individual or small business owner with an account at a Canadian financial institution that offers the service can initiate an e-Transfer, while anyone with an account at a Canadian financial institution can receive one.


What is Autodeposit?

Autodeposit is a feature that enables users to save time when having money deposited in their bank account. When enabled, funds go directly into a recipient's bank account without having to answer a security question.


Why do I still have to answer the security question after registering for the Autodeposit feature?

For the Autodeposit feature to work, both the sender and receiver’s financial institution must support Autodeposit. If the sender’s financial institution doesn’t support Autodeposit, you will still be required to answer a security question. 


Is it safe to transfer money by email or text message?

There is no money attached to emails or text messages. Instead, financial institutions use standard practices for safe money transfers.


Is there a charge for sending an Interac e-Transfer?

Interac e-Transfers are free when sending from a personal chequing account. A $1.50 fee applies to savings and business accounts.


Are there limits on how much can be sent or received?

While there are no minimums, there are maximums for both sending and receiving Interac e-Transfers.


Per Transaction Limit

Weekly Limit

Monthly Limit






Per Transaction Limit

Weekly Limit

Monthly Limit


no limit*

no limit*

*New limit effective July 8, 2021.


Is there a fee to cancel an Interac e-Transfer?

There are no cancellation fees; however, the sending fee is non-refundable. If you cancel an e-Transfer, your account will be credited with the dollar amount of the transfer minus the sending fee.


Is there a fee to receive an Interac e-Transfer?

If your financial institution offers the service and you use online banking, it's free to receive an Interac e-Transfer.


What happens when a recipient's financial institution doesn't offer this service?

Recipients can still receive the money by registering with Interac and providing their banking information. The deposit usually takes 4 to 6 business days and Interac charges a $4.00 administration fee, which is deducted from the total amount of the transfer.


What if I don't bank online, can I still deposit an Interac e-Transfer?

Yes, provided you have an account at a Canadian financial institution. However, you'll have to register with Interac and provide your banking information. The deposit usually takes four to six business days and Interac charges a $4.00 administration fee, which is deducted from the total amount of the transfer.


Why do text message notifications come from 100001?

This is the short code from which all Interac e-Transfer text notifications are sent.


Can I send an Interac e-Transfer to a landline?

If you provide only a landline as the way to notify a recipient, you'll be informed that the transfer cannot be completed. You'll need to provide new contact information – either a mobile phone number or email. If, however, you provide a landline and an email, the recipient will be notified via email.


Can I send an Interac e-Transfer to anyone?

No. To send and/or receive Interac e-Transfer transactions, both senders and recipients must have accounts at Canadian financial institutions. The transfer must also be in Canadian dollars.


How long does it take to receive the money?

For recipients, it takes approximately 30 minutes for notifications to be received. As soon as the notification is received, the recipient can deposit the money. As a sender, the money is debited from your account immediately after finalizing the transfer.


What happens if I use an incorrect mobile phone number?

The notification will be sent to that phone number; however, that person will not be able to deposit the transfer because she/he won't know the answer to the security question. Recipients must correctly answer a security question before they can deposit the money.


Can I cancel an Interac e-Transfer?

You can cancel the transfer at any time up until the recipient accepts it. Generally, it takes 30 minutes for notifications to be sent to recipients. To cancel a transfer, click on the 'Cancel' link beside the list of pending transfers.

If a transfer hasn't been accepted within 30 days, it will automatically expire, and the sender will be notified. The sender can either click on the 'Cancel' link beside the list of pending transfers or let Interac cancel the transaction. Money will be returned to the sender within 7 days of cancelling the transaction; however, fees charged at the time of sending the transfer are not reimbursable.

You can also send reminders to recipients who have yet to accept transfers by clicking on the 'Resend Notice' link beside the list of pending transfers.


What happens if the recipient rejects the transfer?

In that case, you'll be notified and prompted to log in to your online banking to cancel the pending transfer.

CRA Direct Deposit

Considering the COVID-19 crisis and the introduction of the Canada Emergency Response Benefit, the Canada Revenue Agency (CRA) wants to make it easier for Canadians to sign up for its services.

Receive CRA payments through direct deposit

Transmit your direct deposit enrolment information to the CRA when you use our online banking. You can receive the following CRA payments:

  • The new Canada Emergency Response Benefiit

  • Income tax refund

  • Canada child benefit

  • Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit
  • Canada workers benefit and related provincial and territorial payments

Sign up for CRA payments through direct deposit

To sign up now:

  1. Log into your online banking
  2. Click Account Services
  3. Select Set Up CRA Direct Deposit

For more information, click here.


Small Business Online Banking

Upgrade to Small Business Online Banking and discover online banking the way it was meant to be—smart, simple and seamless.

View all your accounts at a glance

With Small Business Online Banking, moving money between your business and personal accounts is easy. Consolidate your accounts so you don’t have to log in more than once.

Save time by authorizing users to view or initiate transactions

Now you can authorize employees to view your statements online at their convenience—without the hassle of paper statements. You can also authorize delegates to initiate transfers and bill payments.

Automate Dual Signature Approvals

Transactions created in Small Business Online Banking can also be set up to require approval from 2 people. Best of all, the notification process between both signers is fully automated. You'll be able to see what's pending as soon as you log in.

To upgrade to Small Business Online Banking, contact us to open an account for you.
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Get the right credit card for your lifestyle

Whether it’s cash back for everyday purchases or travel rewards, we’re pleased to offer our members a wide variety of Mastercard credit card products.

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Get more out of your banking

Explore our additional banking services to add more value your money management, including investments, borrowing and merchant services.