When filling out your Government Relief application, or any debit/credit to your account please make sure you input your full account number.
Your full account number is 9 or more digits your shorter member number is 5-7 digits.

What is my Full Account Number?
There are a few ways you can get your full account number:

1. Give us a call
Local calls: 250.545.9251
Toll free: 1.888.339.8328

2. Locate a Cheque
Your full account number will be the far number right on the chqeue, as noted below.

3. Hop Online and pull a Direct Deposit and Pre-Authorized Debit (PAD) Form
Log into online banking
From your account list in the middle of the screen click on the account you wish to use. Most members will use their Main chequing account (Maximizer) for this.
After you have clicked the account you will see a link at the top of the page “Direct Deposit and re-Authorized Debit (PAD) Form
Click this link to generate a form that will have your full account number!

Please note you do not need to include the leading zeros 008000123456 would be 8000123456


Credit Union Day is a special day that we get to celebrate with our members. A day to celebrate and promote the Credit Union difference. For VantageOne, our members are OUR difference….YOU are our owners and give us the ability to positively impact our communities and the local economy.

This year the Credit Union Day celebration is focused around “Inspiring Hope for a Global Community”.

What is International Credit Union (ICU) Day®?

This special day celebrates the spirit of the global credit union movement. The day is recognized to reflect upon the credit union movement’s history, promote its achievements, recognize hard work and share member experiences. International Credit Union (ICU) Day® has been celebrated on the third Thursday of October since 1948.

The ultimate goal is to raise awareness about the tremendous work that credit unions and other financial cooperatives are doing around the world and give members the opportunity to get more engaged. October 15th will mark the 72nd anniversary of International Credit Union Day. Since 1948, this day has been celebrated annually by thousands of credit unions across the globe.

VantageOne is just one of more than 68,000 credit unions in the World serving 235 million+ members.

How are we celebrating?

This past year has shown us that “we’re stronger together” and sharing our own stories and experiences have brought us closer together with people locally…. and from around the World.

We invite you to celebrate with us virtually this year by sharing something you are thankful for, a story of inspiration or a lesson you have learned so far through this pandemic, by commenting on our social media channels. All with the intention of spreading hope and messages of resilience.

Instagram – @vantageonecreditunion

LinkedIn

Facebook

Twitter – @VantageOneCU

Important Notice – We Wear Because We Care
As we progress through the pandemic and prepare for a potential second wave, we are seeing many changes, in regards, to the wearing of face masks. Many major retailers, schools, and transit systems are moving in the direction of wearing masks in these indoor settings.
Effective October 14, 2020, VantageOne will be requiring face masks for all members, clients and visitors when they visit any of our locations and/or have appointments with any of our staff.

 

We are in this together!
As of September 14, all of our staff have been required to wear face masks in-branch and in our administration office settings, when outside of their personal office space or outside of their plexiglass barrier area, or when in an appointment with a member.

 

Why are we making these changes?

As a highly regulated business, we need to follow our society’s authorities that govern health and we know that there are many diverse opinions on the decisions made. We believe it is good in our society to have these diverse views. It has been clear; however, we must follow a three-step model:

  1. Try to avoid contact
  2. If avoidance isn’t possible use physical distancing (remain approx 2 meters apart)
  3. If physical distancing isn’t possible wear personal protective equipment including masks.

Given we are heading into the winter season, we don’t want to have members standing out in the cold so we expect to have to queue in the branch. As a result, we may not be able to follow the physical distance protocol, meaning we must follow the protective equipment model by requiring masks for all.

Thank you for your understanding, remember….we are in this together for the health of our community!

Over the last few months, we have offered temporary free Interac® e-Transfer services to our members. This temporary offer is coming to an end on October 31st.

Effective November 1st, we will be reinstating the e-Transfer fee for outgoing e-Transfers, but with a significant reduction. The e-Transfer fee will be reduced from $1.50 to $0.75 cents per transaction. REMINDER: If your banking account package includes a set amount of included free e-Transfers, they will still be free!

Please contact us to review your account package options.

or Click here to learn more about our account packages.

 

Manage your Canada Revenue Agency Direct Deposit Information with VantageOne Credit Union!

VantageOne can help you sign up for direct deposit or update your direct deposit information with the Canada Revenue Agency (CRA). We encourage you to use direct deposit to avoid any delays and receive your payments faster!

You can receive these CRA payments through direct deposit:
‐ Income tax refund
‐ Canada child benefit
‐ Goods and services tax/harmonized sales tax (GST/HST) credit
‐ Canada workers benefit
‐ Related provincial and territorial payments
‐ The new Canada Emergency Response Benefit

To sign up for direct deposit or update your personal details, login to your VantageOne Online
Banking on a desktop computer (the form can ONLY be completed using a desktop computer).

Steps:
1.) Log into online banking
2.) From the left navigation menu, go to “Account Services”
3.) Select Setup CRA Direct Deposit
4.) Follow the steps as indicated to complete

It is important to note:
– This implementation only collects data to be submitted to CRA.
– Members must check to see their enrollment on the CRA website (it may take a minimum 1-2 business days).
– If an individual has never filed a tax return with the CRA, they are not eligible to sign up for the CRA direct deposit service through their financial institution.
– The CRA has confirmed that the Canada Emergency Response Benefit only supports SIN-based payouts and are not applicable to loans currently being provided for small businesses with a Business Number. Small businesses with a Business Number will be able to update their Direct Deposit information through their My Business Account portal on the CRA page.

Further Information

CRA Direct Deposit Q&As

Dear Valued Members,

In our Fall 2019 Newsletter, we communicated that your credit union had plans to temporarily close the Vernon Main Branch starting on March 2, 2020, to address Heating and Cooling (HVAC) upgrades to our building. Since that announcement, we received a consulting report indicating that the tiles on the exterior of our building were nearing the end of life and required replacement.

As a result of this report, we have decided to put our main branch HVAC upgrade on hold in order to address the exterior needs of the building first. This was not our plan going into 2020; however, we must be diligent in following the expert’s reports and address the highest priority items ahead of taking on other projects, including the HVAC upgrade. Similar to what any homeowner knows – addressing the highest priority projects first is of utmost importance in order to minimize challenges.

We apologize for any confusion this may have caused. And although it is unfortunate that we have had to make significant changes to our capital update plans, we feel this change will ultimately help to minimize the impact to our members, as we can now address these projects one at a time.

In summary, our main branch HVAC upgrade is on hold as we work on addressing the tiles on the exterior of our building first. Our members are very important to us and we will work hard to minimize any potential impact on you during the completion of any work we do.

Thank you for your continued support of VantageOne Credit Union.

Sincerely,

Glenn Benischek

Your security and cyber safety is always important to us. That is why we are further enhancing our online banking and mobile app security with increased PAC (Personal Access Code) requirements this coming March 2020.

In addition to safety, STRONG PAC is also a security requirement for the introduction of future services including Online Account Opening, Mobile Pay and Apple Pay!

When will this change occur?

  • We will announce the exact date beginning of March. The date of implementation is targeted to be March 18th, 2020.

What will happen on the implementation date?

  • On that date, a pop-up screen will appear asking you to update your password and to follow the specific requirements. Those requirements will be given to you at that time.

Where will I be asked to change my PAC?

  • On the online banking page via desktop or mobile app

Tips for Creating a Strong PAC:

  • To help protect your account, avoid using names, dates or numbers tied to your identity (such as birthday, family name, pets, street).
  • Use a PAC that differs from your other banking, email, and social media accounts.
  • Creating a complex but memorable sequence of words and numbers will make it harder for others to guess your PAC.

Security Tip:

  • Please make sure you are not saving your password in your web browser. Anyone that has access to your PC would have access to your online banking and you are not covered with insurance.

 Important Information: – Mobile App with Quickview enabled and Past Saved Passwords

What is Quickview? Quickview allows you to view your account balances when you open the mobile app, without needing to login first.

  • Mobile App:
    • If you have Quickview* enabled on your VantageOne CU Mobile App, you will need to remove all registered devices from the full MemberDirect online banking site (note: this cannot be completed in MemberDirect Mobile Web Banking). This is required, as the App stores the last password (PAC) you had entered in MemberDirect online banking.
      • How to correct this:
        • Log in to MemberDirect online banking (if on mobile, you will need to scroll to the bottom of the page and select the ‘Full site’ link)
        • Navigate to Account Services > Mobile Banking App
        • Remove all registered devices
      • Desktop – Past Saved Passwords:
        • Ensure you clear your saved password. This is generally done by managing your saved passwords or by clearing your cache/cookies in your browser setting prior to launching online banking.

MemberDirect Small Business Users

  • With the launch of Strong PAC, Signers that have a Delegate will have to log in themselves to update their PAC before their Delegate can access online banking. Delegates do not need to have a strong PAC, if they are existing. However, if a NEW delegate is created or an Existing delegate requires a new PAC, then they will be required to update their PAC to a STRONG PAC.
  • Consolidated Accounts Feature – signers who have consolidated accounts within MDSB on their business account and personal account will need to update the PAC on their consolidated personal account via Online banking before the can access their consolidated accounts.

Our members may be impacted by an issue causing their debit cards to be declined at some Point of Sale (POS) terminals and Automated Fuel Dispensers (Gas Pumps).  This is not a credit union debit card issue.

This problem is impacting financial institutions that have issued new debit cards supporting the Interac Mandated changes of Combined Data Authentication (CDA).  Member transactions with these CDA cards will be declined when the member is required to use the PIN (Contactless impacted when spend limit exceeded or cumulative spend exceeded) at some POS terminals.  However, the member will be able to process transactions using Contactless (no PIN and insert) and the CDA debit cards continue to work at all ATMs.

For VantageOne members this means any MemberCards that we ordered through the banking system or were auto-renewed in 2019. MemberCards issued in branch are not affected.

This issue was first brought forward (December 17th) by one credit union and, at the time, it appeared to be an isolated situation. CCUA staff escalated the problem to Interac to investigate.

Everlink provided to Interac a sample of test cards to assist with the investigation.
Interac concluded that this was not card related as all CDA cards issued by credit unions had been certified using Interac’s third-party agent.

On December 31st CCUA staff identified that several more credit unions have been impacted by this issue and the problem has continued to spread.

Interac has now confirmed that this is a hardware terminal issue at some merchant locations.   The vendor, Verifone, has been able to replicate the error and identify the bug causing the declines.  We are anticipating further updates from Interac on the resolution to this issue and will update credit unions when received.

This is not only impacting credit unions, as several banks have identified the same issue, and it also appears to impact credit cards at the same terminals.


If you experience an issue with your debit card you could
Split your transaction in two to allow for Contactless transactions.

We recommend to have cash on hand as a back up until this issue is resolved.

Interac has now issued a customer alert on its newsroom. https://newsroom.interac.ca/intermittent-interac-debit-chip-and-pin-card-purchase-declines/

To better protect you from fraudulent online activity, on January 8th, we are adding a Credit Card Payment Waiting Period to newly added credit cards that you add through online banking.

What this means is, once you’ve added a credit card to your account through online banking, you will need to wait before you can make your first payment. This is only for newly added credit cards and only for the first initial bill payment towards it. This has no affect on credit cards that you already have attached to your account.

If you call our Solution Centre or come into a branch we can add the credit card to your account that you can pay right away or make that first initial bill payment if you added it online!

We also recommend setting up Mobile Alerts to notify you of various account changes when they occur.  Check them out!  You will find the link for Mobile Alerts on the left-hand side of the screen, after you log in to online banking, under ‘Messages and Alerts’.

 

Please contact your branch today for full details and we can assist you with all your financial needs!

Notice of Annual General Meeting

All members are invited to attend.
Wednesday, May 6, 2020
7:30 pm
Prestige Hotel
4411 32nd Street, Vernon
Registration begins at 6:45 pm


Call for Director Nominations

Nominations are invited to fill two (2) vacancies on VantageOne Credit Union’s board of directors. Two (2) directors will serve a 3-year term, ending in 2023. Directors perform an important role in the credit union, especially in the shaping of policies and long-term objectives. To be eligible, candidates must be nominated by three (3) members or by the Nominating Committee. They also must be members, other than junior members, in good standing, at least twelve (12) months prior to the date of the Annual General Meeting, which is to be held on May 6, 2020.

Written nominations for the volunteer positions must be received no later than 3:00 pm, Wednesday, January 29, 2020.

2020 Nominations Package