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Welcome to a better way of banking

A bank offering straight forward financial products, exceptional service and convenient 24-hour access. Plus a sincere commitment to socially responsible business practices. It all adds up to a truly different banking experience.

Citizens Bank is Canada's first branchless bank, providing full financial services through the internet and phone as well as thousands of EXCHANGE and AccuLink automated teller machines (ATMs) from coast to coast.

A subsidiary of Vancity, Canada's largest credit union, Citizens Bank brings a 60-year tradition of community values and innovation to the national stage. Instead of clients, we have members - a term that expresses our co-operative lineage and the close relationship we strive to build with everyone we serve.

Vancity launched Citizens Bank in 1997 as the answer to a couple of bold questions: What if Canadians didn't need to stand in line-ups to manage their money? What if they didn't need to conform to banker's hours? In other words, what if banking wasn't an ordeal?

We've been asking bold questions and designing a better bank ever since.

With no costly branches to maintain, we're able to offer great rates on savings and borrowing products, like our no-fee Ultimate Savings Account which pays higher interest than any of Canada's major banks. And we're free to dream up ways to give members more when it matters most, like a mortgage that comes with a $10,000 line of credit at prime.

Our members expect Citizens Bank to provide uncomplicated products with reasonable fees and minimal fine print. They expect friendly, expert service from our member service specialists seven days a week, 24 hours a day. And they expect problems to be sorted out promptly. Our predominant objective is to surpass those expectations in every way.

Good citizens

Corporate social responsibility is part of our DNA. We're passionate about engaging our members in banking that contributes to a better world. That means we care about more than just money. When we make decisions, we seek input from our members and our employees and we consider the well being of communities and the environment. We're proud to be the only Canadian bank with a clear Ethical Policy on key social and environmental issues, and we report our progress every two years in our externally verified Accountability Report.

From our Shared Interest donations program, to our affinity Visa card partnerships with Amnesty International and Oxfam, to our environmental commitment to be "carbon neutral" by 2010, we express our ideals without compromising on rates.

For more information about Citizens Bank of Canada, visit

To view our Privacy Policy: Citizens Bank - Privacy and Security


Vancity is Canada's largest credit union. Formed in 1946, today we have $10.5 billion in assets, more than 340,000 members and 50 branches throughout Greater Vancouver, the Fraser Valley and Victoria. Vancity and its subsidiary companies are guided by a commitment to corporate social responsibility, and to improve the quality of life in the communities where we live and work.

Who we are

Beyond a bank, beyond a credit union

With Vancity now in its seventh decade - having already established itself as a remarkably successful business - it finds itself in an interesting and surprisingly joyful position. Vancity is within a category of its own creation - as one of a kind, as a unique entity that is beyond a bank, and beyond a credit union.

We see ourselves as having one hand in the soil and one hand on the stars. We're rooted and reaching. It's a concept that unites our history (rooted) with our future (reaching) into a succinct statement of who we are: both secure, grounded and networked as well as aspirational, visionary and thriving.

What we believe

We believe in the essential goodness of people.
We believe that dreamers are as unique as their dreams.
We believe that to rise higher, you must dig deeper.
We believe that balance in all things is the true measure of prosperity.
Wherever you are, Whatever it is, We believe you can.

Things grow here

When 'who we are' meets 'what we believe', things grow here. It's the result when a rooted and reaching organization believes that all things are possible. And it is the central purpose across all our departments, branches and levels. To grow things - people, ideas, hope, finances, neighbourhoods and, of course, the dreams of our members.

To view our privacy policy: Vancity - Privacy Statement

To find out more about Vancity visit

To locate our branches:

Returning Cardholders



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