Tools & Services

Other Services & Fees

Other Services
  • Interbranch access to your accounts in the Hazeltons, Smithers, Houston and the Lakes District
  • Safety deposit boxes
  •  U.S. and Canadian drafts
  • Canada Savings Bonds and B.C. Bonds
  • Automated transfer system, direct deposit, night depository, bill payments, Revenue Canada payments
  • Automated Banking Machine available in each of the four branches
  • Fund transfers to other financial institutions
  • Member Inter Credit Union online services available with participating Northline Credit Unions
Safety Deposit Boxes

Available in a range of sizes, not all sizes are available in all locations. Call your branch for availability. Our safety deposit boxes can be used to store valuables in a secure location.

Safety Deposit Boxes Small $35.00*
Medium $45.00*
Large $65.00*
Extra Large $90.00*
Drilled (loss of both keys) at cost*
Key (loss of one key) at cost*

Night Depository

Located at each of our branches, our night deposit service offers a secure and convenient option for business members to make deposits 24 hours per day. Deposits will be processed in dual custody the next business morning and quickly registered into your account.

Night depository Disposable bags, each $0.15*
Replacement key $10.00*

Official Cheques

For larger withdrawals consider Bulkley Valley Credit Union official cheques. These are available in unlimited amounts in either Canadian or US funds and help increase your personal safety by avoiding carrying large sums of cash. Official cheques are guaranteed funds.

Official Cheque Canadian (bank draft) $6.00
Official Cheque USD (bank draft) $7.00

*Plus GST

Card Services

We provide you with a selection of cards for all your personal and business needs locally, nationally and internationally.

MEMBER CARD® Debit Card

Your Bulkley Valley Credit Union MEMBER CARD® Debit Card allows you to access your accounts from thousands of ATMs around the world. It also lets you pay for your purchases directly from your account and is accepted at any retail location that displays the Interac®, Cirrus, Acculink®, Accel, or The Exchange logo.

Purchases with your BVCU MEMBER CARD® Debit Card are covered by Buyer Protection and Extended Warranty coverage that insures most retail items at no additional cost – including gifts!

Lost or Stolen MEMBER CARD® Debit Card Hotline 1-888-523-6075

Mobile Banking

With MemberDirect® Mobile Banking you’ll have real-time access to your account information at your fingertips! Just send a quick SMS Text Message from your cell phone and you’ll receive a text message back in seconds with your requested account details. It’s fast, and it’s easy!

Mobile Banking works on all text-enabled phones, regardless of brand name or service provider.  You can check account balances, and recent activity information, from anywhere you get a cell phone signal.

Your personal information is always secure as the only information transmitted is your account balance or your recent account activity.  Your account numbers are never transmitted, so even if you lose your phone, no one will be able to make changes to your account.

All you need in order to sign up for Mobile Banking is access to MemberDirect® Online Banking. If you don’t have access to MemberDirect® Online Banking, come into one of our branches and speak to one of our member service representatives.

If you are already a MemberDirect® Online Banking user:

1. Log in to Online Banking (go there now)
2. Click the “Mobile Banking” link on the left side of the “My Profile” page
3. Follow the instructions on the screen to register and authorize your mobile phone. 
4. Select the accounts you wish to be able to text.

* Standard text messaging rates may apply depending on your mobile service provider and plan.  Refer to your Mobile Telephone Company bill statements for details on your text messaging plan.

Calculators

These web-based tools are for illustrative purposes only. Please contact your nearest branch for an up-to-date quotation on interest rates, financing options and monthly payments.

BVCU is pleased to provide the Go Figure! calculator tools. Clicking the link below will take you to the Go Figure! calculator page.

 

Click here for the Go Figure Calculators

 

Please note: This link opens in a new window, away from the main BVCU Page

MemberDirect® OnLine Banking

MemberDirect® is an enhanced online banking service that allows you access to your accounts 24 hours a day, 7 days a week, through the credit union’s website, www.bvcu.com. MemberDirect® advanced security measures ensure the integrity of your accounts, allowing you to confidently process your transactions with the added bonus of doing your banking on your time, your way.

  • review account details and history
  • schedule bill payments with more than 1900 vendors
  • transfer funds
  • print an up-to-the-minute statement
  • set up preauthorized transfers between accounts
  • transfer funds via Interac e-transfer within Canada to any recipient. Transfers are completed within 30 minutes.
  • ePost bill presentment
  • view eStatements
  • view cheque images — front and back of cheque
  • obtain the latest interest rates on term deposits, personal loans, mortgages
  • place your own stop-payments
  • excellent tech support — 1-888-273-3488

Security Features

1. mobile or email alerts available to notify you if

  • your online banking has been accessed
  • new bill vendors have been added
  • your PAC has been changed

2. enhanced security feature on website login page – does not cache the page; instead, expires after viewing

3. can download account activity into specific formats

Interac e-Transfer

Send and receive cash from a desktop computer or a web-enabled mobile device by e-mail. The sender does not need to know the recipient’s institution or account information. Recipients are notified by email or text message when a transfer has been sent and participating financial institutions transfer the funds using secure, established banking procedures.

With Interac e-Transfer, you can:

  • Send and receive money
  • Send email and / or text notifications and reminders
  • Create new recipients
  • View and manage pending transfers and e-Transfer history

Mobile Banking

With MemberDirect® Mobile Banking you’ll have real time access to your account information at your fingertips! Just send a quick SMS text message from your cell phone and you’ll receive a text message back in seconds with your requested account details. It’s fast and it’s easy!

Mobile Banking works on all text-enabled phones, regardless of brand name or service provider. You can check account balances and recent activity information from anywhere you get a cell phone signal.

Your personal information is always secure as the only information transmitted is your account balance or your recent account activity. Your account numbers are never transmitted, so even if you lose your phone, no one will be able to make changes to your account.

All you need in order to sign up for Mobile Banking is access to MemberDirect® Online Banking. If you don’t have access to MemberDirect® Online Banking, come into one of our branches and speak to one of our member service representatives.

Check Your Credit Rating

See your credit report, by clicking on the logo below.

 Equifax Logo

Automated Services

ATMs

ATMs give you access to your accounts using your MEMBER CARD® Debit Card any time you want. Bulkley Valley Credit Union belongs to THE EXCHANGE, which is a national network of surcharge-free ATMs that stretch from BC to Newfoundland. THE EXCHANGE offers an inter-institutional network that allows its members to withdraw, deposit or make PIN changes free of charge at thousands of participating ATMs across Canada. Go to www.theexchangenetwork.ca to find the ATMs you need - in Canada and the US.

Telephone Banking

Whenever. Wherever. You can access your accounts instantly 24 hours a day, 7 days a week. All you need is a touch-tone phone and your personal access code (PAC).

  • 250-847-3090 or 1-888-289-4331 walks you through the steps
  • instant account information and transactions such as bill payments and funds transfers

General Information

Deposit Insurance

More than one million British Columbians enjoy the solid security and peace of mind that comes from saving at their credit union. the Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, protects all British Columbia credit union depositors. Security, dependability and trust - that's the unbeatable combination you will find at Bulkley Valley Credit Union.

What is guaranteed? All deposits are guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia.

What is NOT guaranteed?  Credit Union membership equity shares and investments such as mutual funds or RRSP equity plans are not covered by deposit insurance.

For more information please visit: www.cudicbc.ca

Privacy Policy

The Bulkley Valley Credit Union is committed to ensuring the confidentiality, the privacy and the protection of the personal information of all members and other individuals whose personal information is held or controlled by the Credit Union. Additional details can be obtained at the local branch, or by contacting our Privacy Officer via email at privacyofficer@bvcu.com.

BVCU Privacy Policies

Commitment


The Credit Union is committed to ensuring the confidentiality and privacy and protecting the personal information of all members and other individuals whose personal information is held or controlled by the Credit Union.

Privacy Officer

The Credit Union will designate a Privacy Officer and an alternate to oversee the protection of personal information in compliance with the BC Financial Institutions Act, the BC Personal Information Protection Act, and the Credit Union’s privacy policies and practices.

Policies

The Credit Union will develop policies and practices necessary for compliance with the Personal Information Protection Act and a process to respond to complaints that may arise, and make information available on request about the policies and practices and the complaint process.

Consent

The Credit Union will obtain consent for the collection, use, and disclosure of personal information, except in circumstances permitted by the Personal Information Protection Act or other law.

Conditions

The Credit Union will not, as a condition of providing a product or service, require an individual to consent to the collection, use, or disclosure of personal information beyond what is necessary to provide the product or service.

Express Consent

The Credit Union will obtain express written or oral consent to the collection, use and disclosure of personal information, except in circumstances when the Personal Information Protection Act authorizes the collection, use, or disclosure without consent or deems the collection, use, or disclosure to be consented to.

Implicit Consent


Implied consent may be relied on when the purpose would be considered obvious to a reasonable person and the individual voluntarily provides the personal information for that purpose.

Deemed Consent

The Credit Union may obtain consent to collect, use, or disclose personal information for specified purposes, if the Credit Union sends notice to the individual that it intends to collect, use, or disclose personal information for those specified purposes and gives the individual a reasonable opportunity to decline to have the personal information collected, used, or disclosed for those purposes, the individual does not decline the collection, use, or disclosure for those purposes, and the collection, use or disclosure is reasonable having regard to the sensitivity of the personal information in the circumstance.

Withdrawal

An individual may withdraw consent at any time, subject to legal or contractual restrictions, provided that reasonable notice of withdrawal of consent is given to the Credit Union. On receipt of notice of withdrawal of consent, the Credit Union will inform the individual of the likely consequences of the withdrawal of consent, which may include the inability of the Credit Union to provide certain products or services, if the information is necessary to provide the products and services.

Purposes

When collecting information, the Credit Union will state the purpose of collection and provide on request the position or title and contact information for an officer who can answer the individual’s questions about the collection

Collection

The Credit Union will limit the collection of information to information that is necessary to provide a product or service or that is necessary for the purpose consented to by the individual or to information otherwise permitted to be collected by the Personal Information Protection Act or other law.

Use

The Credit Union will not use personal information for purposes other than those for which it was collected, except with the consent of the member or as required or authorized by law.

The Credit Union uses reCAPTCHA on its online banking website for security purposes. The use of reCAPTCHA is subject to the Google Privacy Policies and Terms of Service. Google gathers the user's cookies and other device information to assess whether they are likely a human, or machine.

Disclosure

The Credit Union will not disclose personal information for purposes other than those for which it was collected, except with the consent of the member, account holder, or other individual or as required or authorized by law.

When disclosing personal information the Credit Union will take all reasonable steps to protect the interests of its members and other individuals.

Sharing

The Credit Union may share personal information with its subsidiaries and other carefully selected organizations with the consent of the member or as required or authorized by law.

Access

Member and account holder information, such as copies of statements, transaction slips, and account agreements, will be provided upon request. The Credit Union may charge a fee for doing so.

For other information, upon written request, the Credit Union will provide the individual with the personal information under the control of the Credit Union, information about the ways in which the personal information requested has been and is being used, and the names of individuals and organizations to whom the personal information requested has been disclosed. The Credit Union may charge a minimal, fee for providing information. The Credit Union will provide an estimate of the fee upon receiving the access to information request. The Credit Union may require a deposit for all or part of the fee.

Assistance

The Credit Union will assist individuals to complete an access to information request to ensure that the information wanted or needed is provided accurately, completely, and promptly.

An applicant may be required to provide sufficient information to permit the Credit Union to provide an account of the existence, use, and disclosure of personal information it holds. The additional information provided will only be used for this purpose.

Exceptions

The Credit Union may not provide information that it is not required to disclose and will not disclose information that it is required not to disclose by law, such as information that would reveal the identity of another individual without his or her consent.

Time Limit

The Credit Union will endeavour to respond to an access to information request within 30 days. If additional time is required because sufficient detail has not been provided by the applicant, a large amount of material is requested or must be retrieved, or more time is needed to consult with other organizations, the Credit Union may apply to the BC Privacy Commissioner for an extension under the Personal Information Protection Act.

Refusals

If the Credit Union refuses access to personal information, the Credit Union’s response to the access to information request will provide the reasons for refusal and provide the name, position/title, address, and telephone number of an officer of the Credit Union who can answer the applicant’s questions about the refusal. The Credit Union may refuse to confirm or deny the existence of personal information collected as part of an investigation.

Accuracy

The Credit Union will make a reasonable effort to ensure that personal information it is using or disclosing is accurate and complete.

Corrections

If an individual demonstrates the inaccuracy or incompleteness of personal information, the Credit Union will amend the information as required. If appropriate, the Credit Union will send the amended information to third parties to whom the information has been disclosed.

When a challenge regarding the accuracy of personal information is not resolved to the satisfaction of the individual, the Credit Union will annotate the personal information under its control with a note that the correction was requested but not made.

Protection

The Credit Union will protect the personal information in its custody or control by making reasonable security arrangements to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks.

The Credit Union will take reasonable steps, through contractual or other reasonable means, to ensure that a comparable level of personal information protection is implemented by the suppliers and agents who assist in providing services to members, account holders, and other individuals.

Retention

The Credit Union will keep personal information used to make a decision that affects the individual for at least one year after using it to make the decision.

The Credit Union will, in accordance with its retention schedule, destroy, erase, or make anonymous documents containing personal information, as soon as it is reasonable to assume that the original purpose is no longer being served by retention of the information and retention is no longer necessary for legal or business purposes.

The Credit Union may retain personal information about members and account holders with their consent in order to assist in the provision of future products and services and for marketing purposes, such as sending information about products and services that may be of interest, and may update the information as necessary to provide products and services applied for.

The Credit Union will take due care with the destruction of personal information so as to prevent unauthorized parties from gaining access to the information.

Safeguarding

 

The Credit Union will employ electronic and physical security safeguards appropriate to the sensitivity level of personal information, including:

  • Physical measures such as locked fire resistant filing cabinets and restricted access to office
  • Organizational measures such as restricting employee access to files and databases
  • Electronic measures such as passwords and encryption
  • Investigative measures if the Credit Union has reasonable grounds to believe that personal information is being inappropriately collected, used, or disclosed.

Questions

Members and other individuals may direct any inquiries or complaints regarding their personal information to the Credit Union’s Privacy Officer. Contact information will be available by inquiring at any office of the Credit Union.

Complaint Process


The Credit Union will, on request, inform members and other individuals of its complaint procedures, which will be accessible and simple to use.

The Credit Union will ensure that inquiries, concerns, and complaints regarding personal information receive prompt attention and are resolved in a timely manner.

Where appropriate, members and other individuals will be informed oftheir right to file a complaint with the BC Privacy Commissioner and will be provided a contact information.

Account Reporting/Statement Frequency

Chequing Account

Imaged* statements are mailed monthly.

Non-Chequing Accounts

Receive statements twice during the year, effective June 30 and December 31.

Account Information


Available anytime via ATM, MemberLink® telephone banking and MemberDirect® online banking service.

Rates Summary


In Our Community

  • Turbo Tax offer!

    TurboTax makes it easy to do your taxes right and get your maximum tax refund guaranteed.1 What’s best, as a valued member of Bulkley Valley Credit Union, you can get a special 20% discount on TurboTax Online products.

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  • Credit Unions of BC Bursary Program

    The deadline for the Winter Semester Credit unions of BC Bursary Program is February 15th,2020. Click here to learn more.

    Bulkley Valley Credit Union is proud to help BC students reach their post-secondary education goals through the Credit Unions of BC Bursary Program. Submit your bursary application today and get help towards funding your future!

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  • RRSP and TFSA

    The deadline for contributing to an RRSP for the 2019 tax year is MARCH 2, 2020. The TFSA annual contribution limit for 2020 is $6000. The TFSA annual contribution limit of $6000 is indexed to inflation and rounded to the nearest $500. Visit your local branch for more information and to find the product that best suits your needs! For more information on TFSA contribution room continue reading here!

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