Our Community Change Term Deposit offers organizations access to competitive rates and terms, while giving you the ability to align your financial goals with your social values.


Business solutions

We can help you:

  • Receive incoming payments and execute outgoing payments
  • Explore hedging and risk management strategies
  • Find out about settlement options
  • Manage payables and receivables
  • Learn about market monitoring and overnight orders
  • Arrange multi-currency bank drafts
  • Set up foreign cheque-clearing and collections

Solutions for business


Personal solutions

We can help you:

  • Conduct foreign currency real estate payments
  • Manage regular payments in foreign currencies to people in other countries
  • Make payments for goods or services purchased outside of Canada
  • Pay overseas tuition fees
  • Send money overseas for vacation payment
  • Send a monetary gift, charitable donation or contractual payment to another country
  • Transfer money to friends and family anywhere

Solutions for individuals

Benefits of working with Vancity Community Investment Bank Foreign Exchange Specialists

If you do business across borders, Vancity Community Investment Bank Account Managers have the expertise to help protect you against currency risk exposures and make payments easier. Since our Account Managers are not commission-based, you can count on them to provide objective insights.



We are pleased to provide electronic settlement at other financial institutions as well as same-day trade and settlement and same-day cheque-exchange settlement.

Reduced costs

We don’t charge for foreign drafts, we have a flat wire fee and no charge for bank-to-bank settlements. There is no fee to open an account.

Peace of mind

We are a Schedule 1 chartered bank regulated by the Office of the Superintendent of Financial Institutions.

Ready to accelerate your impact? Let’s talk.

Suite 700
184 Front Street East
Toronto ON M5A 4N3

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