Paperless in online banking. Guidedu toyrnwy ...

[Pages:2]statements

e-statements

Account Fee Schedule

membership shares

candidaGteusifdoer tthoe Byooaurdr onfeDwirescttoartseemleectniotnfor personal banking accounts ? January 2017

OWnlienerBeanckiengntly upgraded oMuobrilbe Baannkkinigng system andOmnlinaedBaenkisnog me changes anGdo peapnehrleassncements to how your account information is displayed on statements. We'll guide you through the key changes in this pamphlet. We encourage you to visit support. for searchable information about accounts and statements. If you need additional assistance, don't hesitate to contact us.

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The eight key changes are:

Go paperless

1. Relationship number (#)

upgMradeywereekelnadtionship number(s)

7S8y9st4e5m612 5U1p1g5ra1d4e99

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We've replaced `my account number' with `My relationship number(s)' on your statement. Your statement has either one or two Relationship #s.

Coming Soon

2.Relationship # for non-registered accounts

51151499 Relationship #

One Relationship # is assigned to the group of non-registered accounts you may hold, namely: chequing, savings, term deposits, loans, mortgages and lines of credit. Non-registered accounts can be held individually or jointly with other members. You may have more than one of this type of Relationship # if you hold non-registered accounts at several branches, either individually or jointly.

In most cases, the Relationship # looks similar to your former Account & Branch # combination at the branch.

We produce a branch statement monthly for your Relationship # with non-registered accounts. This statement is viewable in online banking as an eStatement. Note: If there are only term deposit accounts at the branch, we produce a statement annually.

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CCOOZZAADD,, BBEENNTTHHAANNIIEE SSUUIITTEE 550011 118833 TTEERRMMIINNAALL AAVVEENNUUEE VVAANNCCOOUUVVEERR BBCC VV66AA 44GG22

JJUULLYY 1177,, 22001177

MMyy rreellaattiioonnsshhiipp nnuummbbeerr((ss))

7788994455661122 5511115511449999

MMyy bbrraanncchh

MMAAIILLLLAARRDDVVIILLLLEE CCOOMMMMUUNNIITTYY BBRRAANNCCHH 11002255 BBRRUUNNEETTTTEE AAVVEENNUUEE CCOOQQUUIITTLLAAMM BBCC VV33KK 11EE66 TT 660044 887777 77000000 TTOOLLLL--FFRREEEE 11 888888 VVAANNCCIITTYY vvaanncciittyy..ccoomm

My accounts

AACCCCOOUUNNTT OOWWNNEERRSS:: CCOOZZAADD,, BBEETTHHAANNIIEE SSTTAATTEEMMEENNTT PPEERRIIOODD:: 1177 JJUUNN 22001177 ttoo 1166 JJUULLYY 22001177

DDAAIILLYY BBAANNKKIINNGG

AACCCCOOUUNNTT SSUUMMMMAARRYY SSHHAARREEDD SSUUCCCCEESSSS PPAATTRROONNAAGGEE ##110000000000002266554422 PPAAYY AASS YYOOUU GGOO CCHHEEQQUUIINNGG ##110000000000002266005544 JJUUMMPPSSTTAARRTT HHIIGGHH IINNTTEERREESSTT ##110000000000002266666666 TTOOTTAALL NNUUMMBBEERR OOFF CCHHEEQQUUEESS 00

OOPPEENNIINNGG BBAALLAANNCCEE OONN

1177 JJUUNN 22001177 00..0000

338877..5511 1144,,446655..1122

TTOOTTAALL WWIITTHHDDRRAAWWAALLSS

00..0000 7722..0000

00..0000

SSHHAARREEDD SSUUCCCCEESSSS PPAATTRROONNAAGGEE ##110000000000002266554422 DDAATTEE DDEESSCCRRIIPPTTIIOONN

OOPPEENNIINNGG BBAALLAANNCCEE

WWIITTHHDDRRAAWWAALLSS 00..0000

PPAAYY AASS YYOOUU GGOO CCHHEEQQUUIINNGG ##110000000000002266005544 DDAATTEE DDEESSCCRRIIPPTTIIOONN

2211 JJUUNN 3300 JJUUNN 0099 JJUULL

OOPPEENNIINNGG BBAALLAANNCCEE AATTMM WWIITTHHDDRRAAWWAALL--IINNTTEERRAACC (($$4411..5500)) CCHHAARRGGEESS AAPPPPLLIIEEDD TTOO AACCCCOOUUNNTT FFUUNNDDSS TTRRAANNSSFFEERR TTOO ##110000000000002266666666 (($$3300..0000))

WWIITTHHDDRRAAWWAALLSS

4411..5500 ..5500

3300..0000

JJUUMMPPSSTTAARRTT HHIIGGHH IINNTTEERREESSTT ##110000000000002266666666 DDAATTEE DDEESSCCRRIIPPTTIIOONN

3300 JJUUNN 0099 JJUULL

OOPPEENNIINNGG BBAALLAANNCCEE IINNTTEERREESSTT CCRREEDDIITTEEDD TTOO AACCCCOOUUNNTT FFUUNNDDSS TTRRAANNSSFFEERR FFRROOMM ##110000000000002266005544

WWIITTHHDDRRAAWWAALLSS

TTOOTTAALL DDEEPPOOSSIITTSS

00..0000 00..0000 4488..1144

CCLLOOSSIINNGG BBAALLAANNCCEE OONN

1166 JJUULL 22001177 00..0000

331155..5511 1144,,551133..2266

DDEEPPOOSSIITTSS 00..0000

BBAALLAANNCCEE 00..0000

DDEEPPOOSSIITTSS

BBAALLAANNCCEE

338877..5511 334466..0011 334455..5511 331155..5511

DDEEPPOOSSIITTSS

1188..1144 3300..0000

BBAALLAANNCCEE

1144,,446655..1122 1144,,448833..2266 1144,,551133..2266

5. Charges applied to account and interest credited PPAAGGEE11OOFF22

3. Some account names have changed

The following used to be timed on the statement cycle date.

Chequing Savings

Pay As You Go Chequing

30 JUN CHARGES APPLIED TO ACCOUNT

Chequing Savings-Gold Club Chequing Plus

Plan 24 Savings

Plan 24 Savings Plus

(Youth under 25 & Age 55+ Gold)

US Chequing Savings Gold

USD Chequing Plus

Electronic Package

E Package Chequing

Special Package

Access Chequing

Now, overdraft interest is charged and Everyday Transaction1 fees including monthly package fees are withdrawn on the last day of the month (with the exception of the JumpstartTM High Interest account where fees are incurred immediately when the transaction is done). Line of Credit interest charges are still withdrawn on the last day of the statement cycle.

4. Financial Account number (#)

#100000026054 financial Account #

The financial Account # is a unique 12-digit number identifying the individual accounts you hold within a Relationship. Some instances where you'll use this Account # are: to set up pre-authorized payments; to redeem My Visa Rewards Plus points for financial products, or to reorder and endorse cheques.

Bottom of your cheque on reorder

The free monthly transactions cap starts counting from the first day of the month. For Pay As You Go Chequing and E Package Chequing, maintain a minimum balance of $1,000 at all times of the calendar month and all Everyday Transaction fees are waived.

30 JUN INTEREST CREDITED TO ACCOUNT

Now, earned interest is paid (credited) on the last day of the month.

See over for more information

6. Relationship # for registered accounts

DAILY BANKING

ACCOUNT SUMMARY

SHARED SUCCESS PATRONAGE #100000026542 PAY AS YOU GO CHEQUING #100000026054 JUMPSTART HIGH INTEREST #100000026666 TOTAL NUMBER OF CHEQUES 0

BALANCE ON 17 JUN 2017 0.00 387.51 14,465.12

TOTAL WITHDRAWALS

0.00 72.00

0.00

TOTAL DEPOSITS

0.00 0.00 48.14

BALANCE ON 16 JUL 2017 0.00 315.51 14,513.26

candidates for the Board of Directors election 78945612 Relationship #

SHARED SUCCESS PATRONAGE #100000026542

DATE

DESCRIPTION

WITHDRAWALS

The second Relationship # is assigned to another group of accounts, including: Shared Success Patronage account, any registered accounts, namely the savings accounts and term deposit accounts held in registered plans (RRSP, RRIF, TFSA, etc.), and the Class B Membership Shares account (`Memberships Shares').

These accounts cannot be held jointly with other members.

OPENING BALANCE

0.00

PAY AS YOU GO CHEQUING #100000026054

IINDNAVVTEEESSTTMMDEEENSNCTTRSSIPTION

WITHDRAWALS

IRRNEEVTTIIERRESEMMTEMENNOETTPNSESANATVIVNSIINGNGGBSSAPLPALLANANCNE

RYYo2oEu1uTrrIJRRUeEeNtMtiirreeEmmNAeeTTnnMtSt SASWaVavIvITNiinnHGggDsSsRPPPAllaLaWnnAAaNaLnn-ddINaaTssEssoRocAciiaCatte(e$dd4p1pr.ro5od0d)uuccttss aarree wwiitthhiinn RReellaattiioonnsshhiipp ##7788994455661122

41.50

DD3AA0TTEJEUN DDCEEHSSACCRRRGIIPPETSTIIOAONPNPLIED TO ACCOUNT

WWIITTHHDDRRAAWWAA.LL5SS0

09 JUL CCFOOUNNNTTDRRSAATCCRTTA#N#77S88F99E44R5566T11O22-#-11100000026666 ($30.00) AANNNNUUIITTAANNTT:: BBEETTHHAANNIIEE CCOOZZAADD BBEENNEEFFIICCIIAARRIIEESS::

JUMPSTATTROOTTTHAALILGCCHOOINNTTRERIRIBBEUUSTTTIIOO#NN1S0S0FF0OO0R0R0220061167676(($$00..0000))

DATE RRDRRESSSPPCJRJUUIPMMTPPIOSSNTTAARRTT SSAAVVIINNGGSS ##110000000000002266009966

30.00 WITHDRAWALS

OOOPPPEEENNNIININNGGGBBBAAALLLAAANNNCCCEEE

333000JJJUUUNNN IINNINTTTEEERRREEESSSTTTCCCRRREEEDDDIITITTEEEDDDTTTOOOAAACCCCCCOOOUUUNNNTTT

09 JUL TTFOOUTTNAADLLSRRRTRRSSPAPNSSSFER FROM #100000026054

DEPOSITS 0.00

DEPOSITS

DDEEPPOOSSIITTSS

DEPOSITS 1181...212040 30.00

BALANCE 0.00

BALANCE 387.51 346.01

5E1E 315.51

BALANCE 1242,,,040611500...100288 1242,,,040811311...222688 1242,,,050111311...222688

Every member has this type of Relationship #.

The Relationship # was generated randomly by the system. We produce this branch statement annually and upload it as an eStatement in online banking. If you hold non-registered

SSHHAARREESS

DYYooAuuTrrEMMeemmbbDeerErsshShiCippRSSIhPhaaTrreIeOssNaarree wwiitthhiinn RReellaattiioonnsshhiipp ##7788994455661122

WITHDRAWALS

DDAATTEE

DCDELEASSSCCSRRIBIPPTMTIIOEOMNNBERSHIP SHARES #100000026047

WWIITTHHDDRRAAWWAALLSS

NCOOCOoLPPLPtAEEAEeSNN:SNSSIISINNNhBGGBaGrMeMBBBsAAEAEaLLMLMrAAAeBBNNNnEECCCoRREEtESSinHHsIuIPPreSSdHHbAAyRRtEhEeSSC##1r1e00d00i0t00U000n00io22n6600D44e77posit Insurance Corporation.

NNoottee:: SShhaarreess aarree nnoott iinnssuurreedd bbyy tthhee CCrreeddiitt UUnniioonn DDeeppoossiitt IInnssuurraannccee CCoorrppoorraattiioonn..

DEPOSITS DDEEPPOOSSIITTSS

BALANCE

BBAALLAANNCCEE 49.53

4499..5533 PAGE 1 OF 2

accounts at the same branch, all these accounts may be

combined on the monthly statement.

7. Joint accounts

Shared Success:

SHARED SUCCESS PATRONAGE #100000026542

We used to produce a branch statement for joint accounts which showed all of the following: the non-registered accounts you can hold jointly with other members,

Starting in 2017, any bonuses or rebates you earn on the business you do with Vancity will be paid into this new

Membership Shares accounts and registered accounts held by any of the joint account holders. This is no longer the case.

personal account during the annual Shared Success program.

Any payout earned on jointly-held aclcogoin unts will be allocated online account summary

evenly to each account holder and deposited here. There

are no fees related to this account. Dividends on your

Membership Shares will be paid into your Membership

Shares account.

relationship #

sole member

Registered accounts:

Now we produce a branch statement monthly with only

IVR telephone banking

registered products

non-registered accounts since they can be held jointly. This

statement is viewable by all joint account holders in online

banking as an eStatement. A printed version is mailed to the

first-named member on the account.

joint member

adult & child member

We produce a separate branch statement annually as CCoonnttaaiinnss110000%%PPoosstt--CCoonnssuummeerrFFiibbrree.. 111000000%%% Contains 100% Post-Consumer Fibre.

PPAAGGEE 22 OOFF 33 PAGE 2 OF 3

100%

described in section 6 for each individual member. Since

INVESTMENTS

RETIREMENT SAVINGS PLAN

CONTRACT #78945612-1

business member

sole proprietor business member

these accounts cannot be jointly-held, we removed them from the joint account statement. This enhances privacy; now only you can view the accounts that belong solely to you.

Membership Shares in jointly-held Membership Shares

Your Registered Investment accounts have new Contract #s.

accounts were redeemed and re-issued to the individual

In most cases, the Contract # resembles the Relationship #.

members' Membership Shares account. When we reissued

the Membership Shares, we allocated them equally between

Shares:

the account holders.

SHARES

statements

e-statements

If you didn't have a Membership Shares account before the upgrade, we created one for you.

Account Fee Schedule

membership shares

8. eStatements We launched eStatements for each Relationship # in online banking to enhance privacy and convenience. The eStatement

Vancity members are required to hOnolinledBanakingminimum of $5 Mobile Banking in shares. Vancity may transfer money from any of your accounts to your Class B Membership Shares account toward the purchase of the minimum number of shares if needed. Learn more at membership

looks the same as a paper statement and is downloadable. Now you Online Banking can `Go Paperless' and opt out of paper statements

altogether through online banking:

in**t*h**e Account Summary screen,

select `Account Services' and `Change Statement Options.'

Go paperless in online banking.

upgrade weekend

1 Everyday Transactions are all of these: EverydaSyysCtehmeque and Preauthorized Payment Transactions are cheque transactions Uanpgdrapdreeauthorized payments (PADs) from Vancity Accounts. Everyday Online and Mobile Transactions are bill payments, cheque deposit using Vancity Mobile DepositTM, transfers from Vancity Accounts made online using a computer, mobile phone, Mobile Device or using Vancity's Telephone Banking service. Everyday In-Person Transactions are account withdrawals, bill payments, transfers to or froCmomVinagnScoitoyn Accounts conducted person-to-person, over the phone with our branch staff or Member Service Centre staff. Everyday Debit Card Transactions are debit card purchases or ATM cash withdrawals or ATM transfers from Accounts. See Service Charge Bulletin for details. Make Good Money (TM), Jumpstart (TM) and Vancity Mobile Deposit (TM) are trademarks of Vancouver City Savings Credit Union. *Trademark of Visa, used under license.

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Any questions? Visit support. or your community branch. Metro Vancouver: 604.877.7000 Greater Victoria: 250.519.7000 Toll-free: 1.888.826.2489

BAR25

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