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Junior/Youth Savings Account

    Start young and save more

    It’s never too early to start developing good savings habits. Our Junior/Youth Savings account is a starter account for young savers aged 18 and under.

    • No monthly fee
    • Unlimited incoming Interac e-Transfers
    • Earn daily interest

    Savings that grow with you

    No worries banking

    No unexpected fees or limits on what you can do.

    Move your money for free

    Unlimited free incoming and 5 free outgoing Interac e-Transfers.

    Easy access to your money

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

    Grow your money

    Earn interest on your daily balance and watch your money grow.

    Whats included?

    • In-branch bill payments
    • In-branch transfers 
    • Cheque processing
    • Direct deposits 
    • Interac e-Transfers 
    • Debit purchases 

    Service fees

    Pre-authorized debit FREE
    In-branch withdrawal or transfer FREE
    In-branch bill payment FREE
    Telephone or online transaction FREE
    Debit purchase FREE
    ATM withdrawal at BVCU or Canadian CU FREE
    Interac e-Transfer (outgoing) $0.80 (First 5 FREE)
    Interac e-Transfer (incoming) FREE
    Interac ATM withdrawal $1.25
    US ATM withdrawal $3.00
    International ATM withdrawal $5.00

    Other fees

    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

    Looking for youth chequing accounts, too?

    For youth age 10-18

    HEADSTART® Masterplan Chequing Get a head start

    For ages 10 to 18. A free chequing account to get started.

    For students age 19-25

    Campus Masterplan For the budget conscious student

    Your keep-it-simple, low monthly fee account for students aged 19 to 25.

    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.

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

    Why join? Make an appointment


    Photo credit: Liza Hooker

    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
    BVIS

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

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

    BVIS

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

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

    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

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