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HEADSTART® Masterplan Chequing Account

Start good money habits early

A great first chequing account to get the young ones started with some nice benefits included.

  • No monthly fee
  • 15 free monthly specified transactions
  • 5 free outgoing Interac e-Transfers

Get ahead of the game

No monthly fee

No monthly fee means more money to save or spend on the fun stuff.

Learn good financials habits

Track your spending with e-statements and learn how to budget.

Mobile cheque deposits

Skip the branch or ATM. Deposit cheques from anywhere with our mobile app.

Easy access to your money

Make free withdrawals at 3,600+ credit union ATMs across Canada.

Earn daily interest

The more you save the more you earn, with interest paid monthly.

Purchase protection

Every debit card purchase has 90-day theft/loss/damage protection.

What's included

  • 5 free outgoing Interac e-Transfers
  • Unlimited incoming Interac e-Transfers
  • Telephone, ATM and online transactions

Service fees

Printed and mailed statementsFREE
Cheque clearing or pre-authorized debit$0.80*
In-branch withdrawal or transfer$0.80*
In-branch bill payment$1.00*
Telephone or online transfer/ bill paymentFREE
POS (direct payment) transactionFREE
ATM withdrawal at BVCU or ExchangeFREE
ATM withdrawal at Canadian CU or Non-ExchangeFREE
Interac ATM withdrawal$1.25
US ATM withdrawal$3.00
International ATM withdrawal$5.00
Interac e-transfer (incoming)FREE
Interac e-transfer (outgoing) First 5 free $0.80*

Other fees

*Eligible for free specified transactions

Opening an account is easy

Visit one of our branches or make an appointment to get started. We’ll get you set up in no time. You just need to bring two current, primary pieces of ID, your Social Insurance Number, and an initial cash or cheque deposit.

Find a branch Make an appointment

Help the young 'uns learn all about money

Fun with finance

For under 12s

The Kirby Kangaroo Club helps young members develop good savings habits in a fun, interactive way.
Learning good habits

For teens

Claim Your Youth helps teach teenagers good financial habits for life—from budgeting to investing.

Ways to bank

On the couch. On the go. On the job. We’re here for you, wherever you are.

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Local, member-owned banking means friendly advice from staff dedicated to your financial needs. 

Why join? Make an appointment

Reach us wherever you are

Let your fingers do the walking or come in to see us. 

Meet with an advisor

Book the day and time that suits you.

Visit a branch

We’re open between
9:30am & 4:30pm, M-F.

Send us an email

Email a specific branch or department.

Give us a call

8am-6pm, M-F,
9am-5pm, Sat.

Smithers Branch

3894 1st Avenue
PO Box 3729
Smithers, BC
V0J 2N0
250 847-3255
Hazeltons' Branch

4646 10th Avenue
PO Box 159
New Hazelton, BC
V0J 2J0
250 842-2255

Houston and District Branch

2365 Copeland Avenue
PO Box 1480
Houston, BC
V0J 1Z0
250 845-7117
Lakes District Branch

117-35 Lakeview Mall, Hwy 16
PO Box 1029
Burns Lake, BC
V0J 1E0
250 692-7761

1139 Main Street
PO Box 2380
Smithers, BC
V0J 2N0
866 811-1110

3894 1st Avenue
PO Box 3729
Smithers, BC
V0J 2N0
250 847-7936


3350 10th Street
PO Box 369
Houston, BC
V0J 1Z0
866 811-1115

2367 Copeland Avenue
PO Box 1480
Houston, BC
V0J 1Z0
250 845-7977

3872 1st Avenue
PO Box 3637
Smithers BC
V0J 2N0
250 847-7933
Member Services Contact Centre

3894 1st Avenue
Smithers BC
V0J 2N0
1 877 847-2828

Copyright © Bulkley Valley Credit Union, 2022