Visa FAQ

Discontinued personal use Shared Interest Visa card

Why are you discontinuing the personal use Shared Interest Visa cards?

At Vancity Community Investment Bank (VCIB), we’re committed to using the tools of finance to drive immediate and lasting social and environmental change in our communities. As a commercial – or business – bank, we specialize in supporting organizations and enterprises that positively impact the communities where they live and work. To better align with this organizational focus to provide financial services to values-aligned businesses, we’re discontinuing our personal use Shared Interest Classic* Visa and Shared Interest Gold Visa cards.

By discontinuing these cards, we can direct more resources into these values-aligned businesses to help build more affordable housing, expand cleaner energy options, grow local mission-based businesses, and meet other critical community needs.

To help you prepare, we’ve outlined the changes to your account below and what you need to do next. If you have any questions about these changes, please do not hesitate to contact Card Services at 604-877-8242 or toll-free at 1-844-266-8242. We sincerely apologize for any inconvenience caused and thank you for being a valued VCIB Shared Interest Visa cardholder.

These changes apply to the personal use cards only and do not apply to the Shared Interest Visa Business card.

When is the last day I can use my personal use Shared Interest Visa card?

The last day to use your Shared Interest Visa card is on Monday, May 31, 2021, until 6 pm PST.
You can continue to make transactions with your Shared Interest Visa card until then, including any recurring payments. After this date, you’ll only be able to make payments to your account or transfer the outstanding balance to another credit card of your choice.

If you have a Vancity Visa card: You can also transfer your Shared Interest Visa account balance to your personal use Vancity Visa card by calling Card Services at 604-877-8242 or toll-free at 1-844-266-8242. Vancity does not charge a balance transfer fee. If you’re not a Vancity Visa cardholder, learn how you can apply.

When is the last day I can redeem my Vancity Community Investment Bank Rewards points?

The last day you can redeem Vancity Community Investment Bank Rewards points is on Thursday, July 1, 2021. You can redeem your reward points by this date by visiting rewards.vcib.ca or calling Card Services at 604-877-8242 or toll-free at 1-844-266-8242 if your account is in good standing. For the quickest redemptions, we recommend you redeem for cash back or charity.

Any remaining points after this date will be automatically redeemed for their cash value (get $1 in cash for every 100 points redeemed) and credited to your account in your July statement.

If you have a Vancity Visa card: You can also transfer your points to your personal use Vancity Visa card by this date by calling Card Services at 604-877-8242 or toll-free at 1-844-266-8242. If you’re not a Vancity Visa cardholder, and you’re a BC resident, learn how you can apply.

When is the last day I can access my personal use Shared Interest Visa account online?

The last day you can access your Shared Interest Visa account online is on Thursday, July 1, 2021. If you’ve set up an account on the Manage my Visa card website and/or the VCIB Rewards website, you’ll have until this date to access your account information online.

If you would like to save any account information, including transaction history, eStatements and rewards activity history (if applicable), please save it before this date.

If you’ve opted-out of paper statements, you’ll start receiving paper statements in the mail after this date until your account balance is $0 and we have closed your account.

I’m interested in applying for a Vancity Visa card – how do I apply?

VCIB is a wholly owned subsidiary of Vancity, one of Canada’s largest community credit unions. Vancity also offers credit cards that are similar to your Shared Interest Visa card that you may apply for.

Additionally, you can easily transfer your account balance and reward points (if applicable) from your Shared Interest Visa card to your new personal use Vancity Visa card once it’s activated by calling Card Services. Vancity does not charge a balance transfer fee to transfer your Shared Interest Visa account balance and reward points to a Vancity Visa card.

See your options and apply online at vancity.com/CreditCards

If you’re a Vancity member, you can also apply over the phone by calling Card Services at 604-877-8242 or toll-free at 1-844-266-8242.

Please note, to be eligible for a Vancity credit card, you must be at least 19 years old and live in British Columbia and have a BC address.

What options do I have with my personal use Shared Interest Visa account balance?

If you have a balance on your Shared Interest Visa account, you must:

  • Pay it off (you’ll continue to incur any applicable interest or fees if it’s not paid off in full), or
  • Transfer it to a credit card of your choice by contacting your other financial institution (the other financial institution may charge a balance transfer fee).

If you have a Vancity Visa card: You can also transfer your Shared Interest Visa account balance to your personal use Vancity Visa card by calling Card Services at 604-877-8242 or toll-free at 1-844-266-8242. Vancity does not charge a balance transfer fee. If you’re not a Vancity Visa cardholder, and you’re a BC resident, learn how you can apply.

What happens if I have a credit balance on my personal use Shared Interest Visa account?

If your account has a credit balance in July 2021, we’ll issue you a cheque equal to the credit balance by mail by the end of August 2021 to bring your account balance to $0 and close the account.

If you do not receive your cheque in the mail by August 31, 2021, please call Card Services at 604-877-8242 or toll-free at 1-844-266-8242.

Will I get a refund for the annual fee I paid for my personal use Shared Interest Visa card?

We stopped charging annual fees on April 1, 2021. If you paid your annual fee between May 2020 and March 2021, you’ll receive a prorated refund in April 2021. For example, if you paid your annual fee in January 2021, you would receive a prorated refund for 9 months.

When is the insurance coverage that came with my personal use Shared Interest Visa card valid until?

The insurance coverage that automatically came with your Shared Interest Visa card account ended on May 31, 2021.

If you have a Shared Interest Classic Visa card, this includes:

  • Extended Warranty and Purchase Security Insurance – Only eligible items purchased on or before May 31, 2021 are eligible for coverage.
  • Travel Accident Insurance – Eligible losses occurring prior to June 1, 2021 are covered.

If you have a Shared Interest Gold Visa card, this includes:

  • Extended Warranty and Purchase Security Insurance – Only eligible items purchased on or before May 31, 2021 are eligible for coverage.
  • Travel Accident Insurance – Eligible losses occurring prior to June 1, 2021 are covered.
  • Delayed and Lost Baggage Insurance – Eligible losses occurring prior to June 1, 2021 are covered.
  • Price Protection Service – Only eligible items advertised at lower price on or before May 31, 2021 are eligible for a refund request.
  • Auto Rental Collision or Loss Damage Insurance – Only car rentals initiated and paid for in full on or before May 31, 2021 are eligible for coverage.

If I enrolled for optional Credit Card Balance Protection insurance for my personal use Shared Interest Visa card, when is this service valid until?

If you have enrolled for the optional Credit Card Balance Protection Insurance, provided and underwritten by CUMIS Life Insurance Company on your Shared Interest Visa card, the last insurance premium charge for this service appeared on your May 2021 statement, and was based on the outstanding balance for that statement. Your insurance terms and conditions were terminated as of your May 2021 statement date. Claims incurred prior to the termination date will be honoured according to the provisions of the insurance contract. The insurance is in place to protect the outstanding balance on your credit card and as a result of the closing of your Shared Interest Visa card, this product has no future value.

If you have a Vancity Visa card: You can apply for Credit Card Balance Protection on your Vancity Visa card by calling Card Services at 604-877-8242 or toll-free at 1-844-266-8242. If you’re not a Vancity Visa cardholder and you’re a BC resident, learn how you can apply.

If I registered for Credit Alert® or CardAssist Plus® optional protection for my personal use Shared Interest Visa card, when is this service valid until?

If you have registered for the Credit Alert® or CardAssist Plus® optional protection on your Shared Interest Visa card, the last charge for this service appeared on your May 2021 statement and your access to this service ends 30 days later. If you’d like to move this service to another credit card, please call 1-800-456-4042.

If you have a Vancity Visa card: You can register for Credit Alert® or CardAssist Plus® optional protection on your Vancity Visa card by calling Card 1-800-456-4042. If you’re not a Vancity Visa cardholder and you’re a BC resident, learn how you can apply.

Do I need to notify the Authorized Users on my personal use Shared Interest Visa account about these changes?

Please inform any Authorized Users on this account about these changes. An Authorized User is someone for whom you, as Primary Cardholder, have given permission to have a Visa card on your account and to make transactions on your account. As the Primary Cardholder, you are responsible for the account and promise to pay us for all fees and interest we charge on the account and all the transactions. Any purchases made by an Authorized User will appear on your monthly statement.

COVID-19

COVID-19: Concerned About Your Credit Card Payments?

During these challenging times we’re here to support our cardholders. As our current landscape continues to evolve, so do we. If you are concerned about managing your credit card payments, please contact Card Services at 1-800-611-8472.

Switch to a Visa with a Lower Interest Rate

Did you know we offer several low rate credit card options? Each card has a 11.25% interest rate. Call Card Services if you would like to make a Product Change.

Pay down your account balance with Vancity Community Investment Bank Rewards™ points

Did you know if you have 5,000 Vancity Community Investment Bank Rewards points ($50 rewards value) or more, you can redeem your points to make a payment to your Shared Interest™ Visa account balance? Check your points balance and redeem your points at rewards.vancitycommunityinvestmentbank.ca

Contactless Payments

Use tap to pay for quick and contactless payments. Simply tap your Shared Interest Visa card over a secure reader. You can tap up to $250 at participating stores. Some merchants may have set lower tap limits.

Shared Interest Visa Alert

Usually pay your Visa bill by cheque? Your payment may be late due to sudden disruptions in the cheque processing service. We recommend switching to a faster payment method. Please contact your financial institution you bank with and set us up as a payee via online banking or pay over the phone.

Do you have travel plans booked through Vancity Community Investment Bank Rewards that have been impacted? Visit rewards.vancitycommunityinvestmentbank.ca for more information.

And lastly, be particularly mindful of suspicious activity

Here are some quick tips to reduce your fraud risk:

  • Regularly check your transactions either online or on your monthly statement. If there are any charges that you didn’t make, report them right away by contacting Card Services at 604-877-8242 or toll-free: 1-844-266-8242.
  • Fraudsters will try to obtain information about your credit card over the phone or through email. Vancity Community Investment Bank will never call to ask for your personal information like credit card number, PIN # or security number on the back of the card.
  • Protect your PIN #: use your hand or body to shield it when conducting transactions, do not share it with anyone or write it down.
  • Report a card Lost or Stolen as soon as you notice it is missing.

*Visa Int./Vancity Community Investment Bank, Licensed User.

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Activating my Shared Interest™ Visa* Card

How do I activate my Shared Interest Visa card?

Account Administrators: There are two options to activate your card 1) Online through the Manage my Visa card website  or over the phone using the number found in your welcome package.

Authorized users: Authorized users can activate their card using the phone number found in your welcome package. Online activation is not available.

Online Activation (Account Administrators only)

Note: Before activating your card, you will need an up-to-date e-mail address on file. If you don’t have one on file with us, or you don’t think the one we have is up-to-date please call Card Services

  1. Go to the Manage my Visa card website and register your login if you haven’t already.
  2. Choose “Activate card” from the “I want to…” dropdown. Confirm that the card you are activating matches the last 4 digits on the pop-up screen. Click Activate.

Once you have activated your card you will also receive an e-mail to the address on file confirming that your card has been activated.

Telephone Activation (all cardholders)

Call 604-877-8242 or toll-free 1-844-266-8242, available 24/7.

You’ll be asked to enter the 16-digit account number plus the date of birth and phone number associated with the account.

Information about your PIN#

For new Cardholders, the PIN Mailer will be sent to the Account Administrator home address two to three days before the Card Carrier. The PIN Mailer contains instructions on how to set up a PIN # (Personal Identification Number) for the new card.

If the new Visa is for an existing cardholder, you can continue to use your existing PIN # or update it through the Manage my Visa card website.

You will only need to use your PIN# for over the phone activations. Input the PIN # given to you in the mailer, then select a new PIN # by following the audio prompts.

Activating “Tap to Pay” on your Card

To activate your Tap to Pay feature, the first two transactions will need to be done by inserting your card into the chip and PIN terminal. The first transaction you will need to sign for and the second transaction you will need to enter your PIN. Once this has been done your card is all set up to be used by “tapping” your card.

How do I update my Visa card PIN #?

If you are the Account Administrator, you can change your PIN over the phone, or online through Manage my Visa card.

Authorized Users can update their PIN by calling 604-877-8242 or toll-free 1-844-266-8242.

Who should I contact if I have questions?

Please give our Card Services team a call at 604-877-8242 or toll-free 1-844-266-8242 and one of our representatives will be happy to help.

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Accessing Visa Business Tools Online

How do I access VCIB's Shared Interest Visa Business tools online?

With a VCIB Shared Interest Visa Business card, you’ll enjoy customized payment controls and streamlined reporting. Account Administrators can register for and access these tools online by clicking here.

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Accessing Visa card account online

What updates are coming to Manage My Visa Card?

We’re updating the Manage My Visa Card website. On Tuesday, September 22, you’ll see a fresh new look and easier navigation to manage your account when you visit creditcards.vcib.ca

Your username and password will stay the same, but it’s important your email address is current for the new security verification process.

UPDATE YOUR EMAIL NOW 

What is Changing?

Security verification

We currently use 5 questions to verify your MMVC account. After the website update, this will be replaced with a single use verification code that gets sent to your email address on file to access the website.

Authorized User’s access

After September 22, only Primary cardholders and Account Administrators will be able to access MMVC.

However, authorized users will still be able to call Card Services 24/7 toll-free at 1-844-266-8242 to access their own account information.

Updating personal information

Once MMVC is updated, you will be able to update your contact information online.

Secure messaging

Balance Transfers, Credit Limit increases, add authorized user and transaction disputes are best serviced if you call us as it’s more efficient to review these on the phone together, so we’ve removed these Secure Message options.

When you send us a secure message, check out the ‘secure message guide’ which includes all the information we will need for your request – checking this helps your request get completed faster.

Other changes

  • When you visit Vancity Community Investment Bank Rewards during your visit to MMVC, you’ll be able to access VCIB Rewards without entering your CVV – it will automatically take you to the VCIB Rewards site without needing to log in again.
  • When you review your transactions, they will no longer be separated by pending and posted transactions. Pending transactions will be noted, but they will appear amongst posted transactions
  • You will be able to update your contact information yourself – this includes your address, phone number and email address.
  • We heard from cardholders that they didn’t understand why they still had to receive 2 paper statements after opting to go paperless. When you opt in with our new site, you will now only receive 1 more paper statement before you’re paperless.

Learn more about how you can access your Visa information through the Manage My Visa Card website.

What is the Manage my Visa card website?

Manage my Visa card is the website where all Account Administrators/Primary Cardholders can access their Shared Interest Visa accounts online.

In Manage my Visa card, all Account Administrators/Primary Cardholders can:

  • View your credit limit, balances and available credit
  • View your pending and posted transactions and search by statement periods
  • Update your email address, account nickname, password and security questions
  • Add multiple Visa accounts to a single login
  • View your statement payment information
  • Access account services, including activating your card, changing your PIN #, requesting additional cards and sending secured messages
  • Update your statement preferences and view eStatements
  • Access the rewards website to redeem points and view your points balance

Where can I find Manage my Visa card?

You can navigate directly to the Manage my Visa card website by entering creditcards.vancitycommunityinvestmentbank.ca into your web browser.

Before you can log into the Manage my Visa card website for the first time, you’ll need to register to create a username and password.

Registering for Manage my Visa card

How do I register for Manage my Visa card?

To register you will need to ensure we have your email address on file for your account and you will need your:

  1. Card number
  2. The personal information that you provided on your account e.g. full name, date of birth, postal code, name on the card and phone number.

If you need help with registering or logging in, call us toll-free at 1-888-708-8308.

Why did I get an error message when I tried to register for Manage my Visa card?

Some common errors could include:

  • The personal information you entered, does not match the information we have on file for you. For example, if you to have a different phone number
  • You have not entered the information in the format that is required
  • First name – only include your first name not your middle initial
  • Date of Birth – MM/DD/YYYY date format. Note you need to enter 2 digits for the month e.g. for February you would enter 02 not just 2
  • Postal code – XXXXXX, postal code must be entered without spaces
  • Phone number – Requires a 10 digit number. Format: XXXXXXXXXX

After September 22, only Primary cardholders and Account Administrators will be able to access Manage my Visa card. Authorized users will still be able to call Card Services 24/7 at 1-888-708-8308. to access their own account information.

If you need help with registering or logging in, call us toll-free at 1-888-708-8308.

Is my Visa account information secure?

Yes. Your Visa account information is only available to you when logging in with your username and password.  An enhanced security feature will require a verification code sent to the email address registered on your Visa account.  You will need to enter this code upon your first login, during registration, and when using the “forgot username, password, or account locked” process.

Note: If you’re logged in but inactive for 15 minutes, you’ll be logged out automatically.

If using a shared device, please remember to ensure you log out and close your browser when you are done.

Logging into Manage my Visa card

I’m having trouble logging in. Where can I get help?

If you need help with logging into Manage my Visa card because you forgot your password and security questions or you’re getting an error message, call us toll-free at 1-888-708-8308.

I forgot my username, password, or my account is locked.

If you’ve forgotten your username, password, or your account is locked, click “Forgot username, password, or account locked?”

  1. Click on “Forgot username, password or account locked?”
  2. Enter your 16-digit Visa card number with no spaces e.g. 121234111234513
  3. Enter your personal account information
  4. Confirm that the e-mail address that displays is correct
  5. Click on “send code”. A one-time verification code will be sent to the e-mail address on file
  6. Enter the verification code that was sent to your email address (the verification code is valid for 30 minutes)

I didn’t get my verification code, what do I do? 

Check your junk mail and/or spam folder to ensure that the e-mail is not there.

Call Card Services 24/7 toll-free at 1-800-611-8472 to confirm your e-mail address is accurate and up-to-date.to update as needed.

I don’t have access to the e-mail where my verification code was sent to – what do I do?

Call Card Services 24/7 at 604-877-4999 and toll-free at 1-800-611-8472 to confirm your e-mail address is accurate, and to update as needed. and up-to-date.

Updating your profile

How do I update my username?

You cannot change your username after you register your new account.

How do I update my password and email address?

To change your password, log into Manage my Visa card

  1. Select ‘Manage Profile’ from the menu
  2. Under Settings click the Pencil icon to update password
  3. Enter old password, new password, confirm password, click update

Adding multiple Visa accounts to your login

I have more than one Shared Interest Visa card. Can I add multiple Visa cards to the same login?

Yes, you can add multiple Shared Interest Visa cards to the same login if you are a Primary Cardholder.

If you’re the Primary Cardholder or Account Administrator of multiple cards, you can add additional card to your existing log in. The card you are adding must be that of a Primary cardholder or Account Administrator. When creating your login, you should first register with the card you use most often to set it as your default card. Note: You cannot change your default card.

Here are the steps to add additional cards to your log in.

  1. Log in to Manage my Visa card
  2. Choose the “My accounts” drop-down from the top right-hand corner
  3. Click Add an account
  4. Enter your card number and follow the prompts.
  5. Click Continue

Once your card has been added to your account it will appear in the “my account” selector located in the top right-hand corner of the Manage My Visa page.

How do I view all the Visa accounts that I’ve added to my login?

To view another card that you’ve registered to your login,  select “My accounts” drop-down from the top right-hand corner   Here you can see additional cards linked to your log in.  Select any card to view more details.

How do I remove a Visa account from my login?

How do I remove a Visa account from my login?

  1. Log into Manage my Visa card at creditcards.vcib.com
  2. From the “I want to’ menu, select ‘remove account’

Viewing account information

What account information do I have access to?

Account Administrators/Primary Cardholders have access to:

  • All account information from the previous evening including the current balance, available credit, credit limit, statement balance, payment history and more
  • All pending and posted transaction details for the past 12 months including transactions from Authorized Users on their account. They’ll be able to view and download the transactions.
  • Reward points balance from the previous evening and a link to the rewards website where they can redeem points
  • Statements (desktop only) which can be viewed online or downloaded as PDFs (eStatements) for up to 18 months

To remove an account from your view:

  1. Select the “I want too…” drop down menu, and select “Remove this account”.  Note:  You must be on the account you would like to remove.
  2. A message will appear, displaying the last 4 digits of the card number.  Confirm to remove this account.

What do the terms under my Account summary, Payment summary and Transactions mean?

Credit Limit – the maximum amount that can be charged to the Visa account. You can view your credit limit in the Account summary.

Current balance – the amount your currently owe on the Visa account. You can view your current balance in the Account summary.

Available credit – the amount available for use on the Visa account. You can view your available credit in the Account summary.

Overlimit amount – the amount the balance on the Visa account has exceeded the credit limit. You can view your available overlimit amount in the Account summary.

Payment due date – the date by which we must receive at least the minimum payment every statement period. You can view your payment due date in the Statement summary.

Minimum payment – the minimum amount the Account Administrator/Primary Cardholder must pay by the payment due date every statement period. The minimum payment will only be visible to the Account Administrator/Primary Cardholder. If you have a past due amount, you’ll need to pay your minimum payment and past due amounts to keep your account in good standing. You can view your minimum payment in the Statement summary.

Past due amount – the remaining amount owing from the previous billing cycles minimum payment amount. You can view your past due amount in the Statement summary.

Last statement date – the previous statement’s issuing date. You can view your last statement date in the Statement summary.

Last payment date – the last payment made to the Visa account. You can view your last payment date in the Statement summary.

Pending transactions – Authorized transactions from the past seven days will appear under your Pending transactions. These transactions increase or decrease your available credit immediately. Once processed, they will also appear under ‘Posted transactions’ and your current balance will be updated.

Please note the same transaction may appear in both pending and posted transaction for a short period of time. You’re only charged for this transaction once.

Also, when you pre-authorize your card for a purchase (commonly done at gas stations or hotels), the pre-authorized dollar amount will appear under pending transactions and will adjust your available credit immediately for seven days. Once the transaction gets processed, the actual dollar amount of the transaction will appear under posted transaction and your available credit and current balance will get updated.

Posted transactions – Transactions listed under Posted transactions will appear on your next statement. In most cases, it takes a few days for a transaction to change from pending to posted.

Can I make payments to my Visa account through Manage my Visa card?

No, you will have to pay your Visa card through the standard bill payment methods available at your financial Institutions.

Once the payment towards your account balance is posted from the financial institution, you will see it in Manage my Visa card under ‘Pending transactions’ and your available credit will increase. When the payment is processed, it will appear under ‘Posted transactions’ and your account balance will decrease.

Accessing Vancity Community Investment Bank Rewards

Where can I view my Vancity Community Investment Bank Rewards points balance?

Account Administrators and Primary Cardholders can see the total points balance on the right side of the screen under ‘Vancity Community Investment Bank Rewards’. To redeem points, select ‘Redeem reward points’. You’ll be asked to enter your CVV before you’re redirected to the Vancity Community Investment Bank Rewards website.

How do I access the Vancity Community Investment Bank Rewards website to redeem points?

To redeem points, log into Manage my Visa card and select ‘Redeem reward points’. You’ll be asked to enter your CVV before you’re redirected to the Vancity Community Investment Bank Rewards website.

Please note the Vancity Community Investment Bank Rewards website will open in a new tab. Manage my Visa card will remain open while you browse the rewards website.

Viewing transactions and eStatements

What information do I have access to?

What information do I have access to?

Primary cardholders and account administrators have access to:

  • The current balance, available credit, and a visual graphic representing the amount of your credit limit that has been used
  • A simplified account summary that includes payment due date, and minimum payment due.
  • All pending and posted transaction details for the current period, as well as 13 months of previous statements. Here transaction details can also be downloaded in various formats
  • Reward points balance for posted transactions and a link to the rewards website where they can redeem points
  • Statements which can be viewed online or downloaded as PDFs (eStatements) for up to 24 months. The statement will display detailed account, balance, and payment details.
  • Account Settings under ‘Manage profile’ which include updating statement delivery options, address, email, and password

After September 22, only Primary cardholders and Account Administrators will be able to log in to the Manage my Visa card website. Authorized users will need to call Card Services at call Card Services 24/7 at 604-877-8242 or toll-free 1-844-266-8242 to access their own account Information.

Why don’t I see all my transactions?

There could be several reasons why you cannot see your transactions:

You reported your card as lost or stolen
If you have recently reported your card lost or stolen, your Visa account will be transferred to a new account number. Your username and password will also be transferred over to your new account number. If you require transaction details for your old Visa account(s), you can ask for hard copies of old statements and a $2 fee per statement will apply. Talk to a Vancity Community Investment Bank Visa Card Services representative by calling us toll-free at 1-844-266-8242, 24 hours a day, 7 days a week.

You’re starting a new billing cycle
You’ll only see transactions from the current billing cycle on the transaction page on the Manage my Visa card website. If your transactions are from a previous billing cycle, you can view them by selecting the period you wish to view from the drop-down menu and click ‘Go’.

Your transactions are older than 12 months old
Your transactions details are available on the Manage my Visa card website for up to 12 months. If you want to view older transactions, you can view your eStatements instead. They are available for up to 18 months. If you need a copy of an older eStatement that’s no longer available online, call us toll-free at 1-844-266-8242, 24 hours a day, 7 days a week. You can ask for hard copies of old statements and a $2 fee per statement will apply.

How do I update my statement preferences?

To stop receiving paper statements in the mail, you’ll need to opt-out by updating your Statement Preferences.

Please note that only Primary Cardholders and Account Administrators can do this.

Here’s how:

  1. Log in to the Manage my Visa card website.
  2. Choose ‘Manage Profile’. Verify your email address (third box down on the screen) and update it, if necessary.
  3. Click on the pencil in the right-hand corner of the Paper statements’ box
  4. Click ‘Turn off’,you will see the update on screen.

Your next statement will still be mailed to you to ensure there’s no disruption to receiving your statements.  After that, you’ll receive an email notification when a new eStatement is available.

Please note that you won’t receive your eStatement in the notification email. You’ll need to log in to your account on the Manage my Visa card website to view it.

You can turn paper statement back on at any time by updating your Statement Preferences.

How long are my eStatements stored in Manage my Visa card website for?

eStatements are stored in Manage my Visa card website for up to 24 months. If you need a copy of an older eStatement that’s no longer available, please contact Card services toll-free at 1-844-266-8242. You can ask for printed copies of old statements and a $2 fee per statement will apply.

Account services

What requests can I make through Manage my Visa card website?

In the Manage my Visa card website, you can self-serve:

  • Activate you card (Primary/Account Administrator cardholders only)
  • Change your PIN #
  • Change your address
  • Change your e-mail address
  • Update your statement preference
  • Update your password for Manage my Visa card
  • Send a secure message to Vancity Card Services to request the following updates. Learn more.
    • Setup or Cancel Automatic payments
    • Ask a question about your transactions or statement
    • Update your home, mobile, business or other phone number
    • Request a replacement card due to damage

How do I add Authorized Users to my account?

To add an Authorized User to your business account, please contact your Account Manager directly.  All transactions completed by authorized users, will display under Current transactions, and on the statement.

How do I change my PIN # through Manage my Visa card website?

To change your PIN # through Manage my Visa card online:

  • Select “change PIN” from the drop down “I want to…” menu
  • Enter your new PIN, confirm your PIN and select ‘Submit’ to update your PIN #

To change your PIN number over the phone contact call Card Services who can be reached 24/7 toll-free at 1-844-266-8242.

What are secure messages and how do I send one through Manage my Visa card website?

What are secure messages and how do I send one through Manage my Visa card website?

Before you send us a secure message, check out the Secure Message Guide which includes all the information we will need for your request – checking this helps to ensure you include all the required information with your request.

If you’d like to request to make changes to your account, you can send us a secure message through the Manage my Visa card website for the following request types:

  • Automatic payments (set up/cancel)
  • Inquiries (Transaction inquiries, Statement inquiries)
  • Update your phone number

Request replacement card

  • “Balance Transfers”, “Credit Limit increases”, “add authorized user” and “transaction disputes” are best serviced if you call Card Services 24/7 toll-free at 1-844-266-8242

To send a secure message:

  • Select ‘Access secure messages’ from the ”I want to” drop down menu
  • Choose “Create new message”
  • Follow the details in the ‘Secure Message Guide’ to complete the request.
  • Click “submit”
  • Once submitted you will receive a confirmation message

We’ll respond to your message within 2 business days. To view the status and response for your request, select ‘Account services’ and ‘Send secure message’. You’ll receive an email notification when a response from Vancity is ready to review, be sure to check the request for the detailed response.

To review a secure message:

  1. Select ‘Access secure messages’ from the “I want to” drop down menu
  2. Any previous Secure messages that you have sent will show under the date that they were sent
  3. Your request status is shown beside the confirmation number.
    1. “Secure message sent” means that the request has been sent and it is waiting for Vancity to respond.
    2. “Success” means that we have worked on your request and there is a response available with details about your request.

Note: Once your request has been answered by us you will receive an email indicating that a change has been made and advising you to log in to check the status.

  1. Click on the vertical line of dots at the end of the message that you would like to see more information about.

Choose “View message details”. This will show all information, including our response to the request.

If you require more timely assistance, please contact Card Services toll-free at 1-844-266-8242.

Where can I get more help with Manage my Visa card?

For general Manage my Visa card website inquiries: Call Card Services toll-free at 1-844-266-8242 or send a secure message through Manage my Visa card website.

For help logging into Manage my Visa card website: Call us toll-free at 1-888-708-8308.

For help with lost or stolen cards: Call us immediately toll-free at 1-888-990-9691 if you’re in Canada or the US to report it.

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Vancity Community Investment Bank Rewards

Eligibility and earning points

What is Vancity Community Investment Bank Rewards?

When you use your Shared Interest Visa card, you can earn Vancity Community Investment Bank Rewards points while making good things happen in your community. Not only can you redeem points for cash back, travel, charitable donations and a wide range of gift card options, we’ll also donate 10 cents through our Shared Interest Fund to support not-for-profit initiatives aimed at affecting positive social, economic, and environmental change each time you use your card.

Which cards are eligible to earn Vancity Community Investment Bank Rewards points?

If you’ve chosen a Shared Interest Visa card with the Vancity Community Investment Bank Rewards option, you’ll earn points for every purchase you make with your Visa card.

Eligible Shared Interest Visa cards include:

  • Shared Interest Visa Business
  • Shared Interest Classic* with Vancity Community Investment Bank Rewards
  • Shared Interest Classic Low Interest rate plus Vancity Community Investment Bank Rewards
  • Shared Interest Gold with Vancity Community Investment Bank Rewards
  • Shared Interest Gold Low Interest Rate plus Vancity Community Investment Bank Rewards

How can I earn Vancity Community Investment Bank Rewards points?

You can earn reward points by using your eligible Shared Interest Visa card for everyday purchases and your monthly recurring bill payments. Even small purchases such as groceries, a cup of coffee or a transit pass can earn you big rewards over time. You can also earn double the points when you use your Shared Interest Visa card to book travel through the Vancity Community Investment Bank Rewards program.

If you have a Shared Interest Gold Visa card, you’ll also earn bonus reward points on your first purchases and on your card’s anniversary.

How many Vancity Community Investment Bank Rewards points will I earn for using my card?

The amount of points you earn each year depends on which Shared Interest Visa card you have and how much you spend. View the table below to learn more.

Shared Interest Classic*
Visa card
Shared Interest Gold
Visa cardVCIB-Shared-Interest-Gold-card
Shared Interest Visa Business

Card options Regular or Low Interest rate plus Vancity Community Investment Bank Rewards Regular or Low Interest rate plus Vancity Community Investment Bank Rewards N/A
Point earn rate Earn 1 point for every $2 spent Earn 1 point for every $1 spent 1 point for every $1.50 spent
Bonus reward points N/A Earn 2,500 bonus points on your first purchase ($25 rewards value) and 3,500 bonus points on your card’s anniversary ($35 rewards value) N/A
Bonus points for booking travel Earn double the number of points when you use your Shared Interest Visa card to book travel through the Vancity Community Investment Bank Rewards website or by calling us at 1-866-688-8242.

Where can I find the terms and conditions for the Vancity Community Investment Bank Rewards program?

The Vancity Community Investment Bank Rewards terms and conditions are available at rewards.vancitycommunityinvestmentbank.ca. Please note it’s the responsibility of the Shared Interest Visa cardholder to fully review the terms and conditions. Vancity Community Investment Bank will not be held responsible for any omissions or misinterpretations.

Redeeming points

What can I redeem my Vancity Community Investment Bank Rewards points for?

You can redeem your Vancity Community Investment Bank Rewards points for cash back, travel, charitable donations and gift cards.

Cash Back

Redeem your points to make a payment towards your Shared Interest Visa card account balance or pay off a recent purchase.

Travel

Travel farther with more travel reward options. Choose from flights, hotels, car rentals, vacation packages and attractions.

Charity

Support what matters to you. Redeem your points to donate to a select charity and we’ll send you a tax receipt.

Gift Cards

Find the perfect gift card for any occasion. Choose from over sixty gift card options.

To view all our cash back, travel, charity and gift card options, visit rewards.vancitycommunityinvestmentbank.ca.

How do I redeem Vancity Community Investment Bank Rewards points?

You can redeem your Vancity Community Investment Bank Rewards points online or over the phone.

Online: Log into the Manage my Visa card website, select ‘Redeem reward points’ and enter your CVV to access the Vancity Community Investment Bank Rewards website.

Phone: Call the Vancity Community Investment Bank Service Centre toll-free at 1-866-688-8242. They’re available:

  • Cash back and charity support – 24 hours a day, 7 days a week
  • Travel and gift card support – 6 am to 6 pm Pacific Time, 7 days a week
  • Cruises and vacation packages support – 5 am to 3 pm Pacific Time, Monday to Friday

What’s the minimum point redemption?

Minimum redemption amounts start at 2,000 points ($20 rewards value) for some cash back options and charity, and 2,500 points ($25 rewards value) for gift cards.

Redeeming points for cash back

What account information do I need to redeem my Vancity Community Investment Bank Rewards points for cash back?

You don’t need any additional information to redeem points for a Shared Interest Visa account balance payment or Pay with points.

How does Pay with points work?

With our Pay with points option, you can redeem points to reimburse yourself for any purchases made with your Shared Interest Visa card. When you choose to redeem points for this option from the Vancity Community Investment Bank Rewards website, you’ll see a list of transactions posted to your Vancity Community Investment Bank Rewards website account during the past 90 day calendar days (since January 14, 2019).

To redeem points:

  1. Check off 1-3 transactions you would like to pay off with a minimum total value of $20 (2,000 points)
  2. Select ‘Pay with points’ and confirm your redemption
  3. You’ll receive a confirmation message and email once your redemption has been successfully submitted. Your redemption will be processed within 24 hours

Redeeming points for travel

What type of travel can I redeem my Vancity Community Investment Bank Rewards points for?

Our Vancity Community Investment Bank Rewards travel options include:

  • Flights
  • Hotels
  • Car rentals
  • Cruises
  • Vacation packages
  • Attractions

You won’t need to worry about blackout periods and minimum stay or Saturday overnight requirements. We even cover the booking fees.

Earn points faster – get double the points when you use your Shared Interest Visa card to book travel through the Vancity Community Investment Bank Reward website or by calling us at 1-866-688-8242 from 6 am to 6 pm Pacific Time, 7 days a week.

I don’t have enough Vancity Community Investment Bank Rewards points for the full cost of my trip. Can I top up with my Shared Interest Visa card?

Yes you can pay with your reward points, Shared Interest Visa card, or a combination of both. The minimum points redemption for travel (except flights and attractions) is 5,000 points ($50 rewards value).

Please note, if you use your Shared Interest Visa card to pay for your airline flight in full on the Vancity Community Bank Rewards website or by calling 1-866-688-8242, the transaction will be processed in the U.S. dollars and you will be charged foreign currency conversion fees. If you pay for your flight with your Shared Interest Visa card and at least 1 point ($0.01 rewards value), you will not be charged the foreign currency conversion fees. Please see your Vancity Community Investment Bank Credit Card Agreement for more details.

Am I charged any additional fees when booking travel through Vancity Community Investment Bank Rewards?

No, you’re not charged any booking fees when you book travel through Vancity Community Investment Bank Rewards. However, if you use your Shared Interest Visa card to pay for your airline flight in full on the Vancity Community Investment Bank Rewards website or by calling 1-866-688-8242, the transaction will be processed in the U.S. dollars and you will be charged foreign currency conversion fees. If you pay for your flight with your Shared Interest Visa card and at least 1 point ($0.01 rewards value), you will not be charged the foreign currency conversion fees. Please see your Vancity Community Investment Bank Credit Card Agreement for more details.

Do I have to buy travel insurance to book travel through Vancity Community Investment Bank Rewards?

No, travel insurance is not mandatory to book travel through Vancity Community Investment Bank Rewards. However, we strongly recommend that you consider purchasing optional travel insurance, such as Emergency Medical Insurance or Trip Cancellation & Trip Interruption Insurance to enjoy your adventure worry-free.

As a Shared Interest Visa cardholder, you can purchase optional annual multi and single trip travel medical insurance by calling toll-free 1-866-590-8472.

As part of your card benefits, Vancity Shared Interest Gold cardholders receive additional travel insurance, including delayed and lost baggage insurance as well as travel accident insurance. To review your coverage, please review the Insurance Terms at vancitycommunityinvestmentbank.ca/visa.

Can I earn frequent flyer miles when I book travel through Vancity Community Investment Bank Rewards?

Yes. If you book travel through the Vancity Community Investment Bank Rewards website, you’ll have the option to enter your frequent flyer number when making an airline reservation.

Please note we only pass your frequent flyer number to the airline. We are not responsible for the issuance or redemption of miles, points or benefits of airline reward programs. If you have questions regarding your airline’s rewards program, please contact the airline directly.

How can I request a wheelchair or other special assistance when booking travel through Vancity Community Investment Bank Rewards?

If you have any special requests, please call the Vancity Community Investment Bank Rewards Service Centre toll-free at 1-866-688-8242 from 6 am to 6 pm Pacific Time, 7 days a week. Please note, fulfilment of any special requests will be up to the travel service provider and not Vancity.

How do I make changes to or cancel my Vancity Community Investment Bank Rewards travel reservation?

To make changes to or to cancel your Vancity Community Investment Bank Rewards travel reservations, please call the Vancity Community Investment Bank Rewards Service Centre toll-free at 1-866-688-8242 during these hours:

  • Cruises and vacation packages support – 5 am to 3 pm Pacific Time, Monday to Friday
  • All other travel support – 6am to 6 pm Pacific Time, 7 days a week

Please note for flight cancellations, a $45 USD cancellation fee per ticket may apply. The fee will be processed in the U.S. dollars and you will be charged foreign currency conversion fees. Other travel changes or cancellations may be subject to a penalty fee depending on the travel service provider’s terms and conditions.

I need to travel as soon as possible. When’s the latest I can book travel through Vancity Community Investment Bank Rewards?

Depending on where you’re traveling to, we can usually accommodate Vancity Community Investment Bank Rewards travel bookings within 48 hours of your departure time. Please note that for air and hotel booked within 72 hours of travel, the booking must have at least one of the tickets issued in the name of the Primary Cardholder.

To book travel, please call the Vancity Community Investment Bank Rewards Service Centre toll-free at 1-866-688-8242:

  • Cruises and vacation packages support – 5 am to 3 pm Pacific Time, Monday to Friday
  • All other travel support – 6am to 6 pm Pacific Time, 7 days a week

To ­­­­­­ensure you have a greater selection of fare and product options, we highly recommend that you book at least 14 days in advance.

How will you deliver my Vancity Community Investment Bank Rewards travel tickets?

All our travel documents are electronic. When you book travel through the Vancity Community Investment Bank Rewards website or over the phone, we’ll email you your itinerary immediately and your e-ticket(s) within 24 hours of the booking confirmation. We do not issue paper tickets.

How will you deliver my tickets if I’m booking travel close to the travel date?

Depending on time restrictions, you may need to pick up tickets at the airport or pier. In some cases, your confirmation number will be provided to you over the phone and will be used to check in at the airport or pier.

What’s the difference between my Vancity Community Investment Bank Rewards travel itinerary/booking confirmation and my e-ticket?

Your itinerary/booking confirmation is your personal travel schedule. It will not grant you boarding access. Your e-ticket is the only acceptable document for boarding access.

When you book travel through the Vancity Community Investment Bank Rewards website or over the phone, we’ll email you your itinerary immediately and your e-ticket(s) within 24 hours of the booking confirmation. We do not issue paper tickets.

Why am I required to provide my passport information when I redeem points for some of the Vancity Community Investment Bank Rewards attraction and experience options?

For some attractions or experiences offered through Vancity Community Investment Bank Rewards, a passport is required as official ID for entry. We’ll only ask for passport information for those specific attractions or experiences to ensure all travellers meet the entry requirements. If all of the travellers do not have a passport, you will not be able to book those specific attractions or experiences.

Why can’t I proceed with my online Vancity Community Investment Bank Rewards attractions booking?

Some of our Vancity Community Investment Bank Rewards attractions have minimum booking requirements. For example, you may need to book at least two adult tickets for some of our attraction options. For more details, please review the attraction’s additional information section before booking your tickets.

Why do I get an authorization error when I try to pay a flight in full with my Shared Interest Visa card?

There may be a few reasons why the Vancity Community Investment Bank Rewards website won’t allow you to proceed with a transaction, including insufficient funds or a credit limit issue. For assistance, please call Card Services at 1-844-266-8242.

Redeeming points for charity

How do redeem Vancity Community Investment Bank Rewards points for charitable donations?

You can use your points to donate to a select charity starting at just 2,000 Vancity Community Investment Bank Rewards points ($20 rewards value). If you do not want your name to be disclosed to the charity, you may choose to make the donation anonymously. However, you’ll need to make the donation in honour of someone in order for us to send you a tax receipt.

Once you make your donation, the Vancity Community Foundation will issue a charitable tax receipt and send it to the mailing address of the primary cardholder within 2-3 weeks.

Which charities can I donate my points to?

To see which charities you can donate to, visit the Vancity Community Investment Bank Rewards website.

Redeeming points for gift cards

Which gift cards can I redeem my points for?

To see which gift cards you can redeem your points for, visit the Vancity Community Investment Bank Rewards website.

Can I cancel my Vancity Community Investment Bank Rewards gift card order?

Yes, you can only cancel your Vancity Community Investment Bank Rewards gift card order before it is shipped. To cancel your gift card order, please contact the Vancity Community Investment Bank Rewards Service Centre toll-free at 1-866-688-8242 from 6 am to 6 pm, 7 days a week, and we’ll refund your points back into your Shared Interest Visa- account.

Please note gift card orders typically ship within 10 days of your point redemption. If your gift card has already shipped, we will not be able to cancel your order.

What happens if my Vancity Community Investment Bank Rewards gift card order is stolen, arrives damaged or is not received?

If the gift card is lost, destroyed, stolen or used without your authorization, a replacement gift card will not be provided. Any remaining balance will not be refunded unless noted in the terms and conditions for that specific gift card.

If you do not receive your gift card within six weeks, please call us toll-free at 1-866-688-8242 from 6 am to 6 pm Pacific Time, 7 days a week.

How long does it take to process and deliver my Vancity Community Investment Bank Rewards cash back, travel, charity, or gift card redemption?

Processing and delivery timelines vary depending on the type of Vancity Community Investment Bank Rewards redemption. Please see the table below for more details.

Reward category Processing time Shipping time to Canada
Cash back 3-5 business days N/A
Travel 3-5 business days 3-6 weeks for print experiences tickets via FedEx Express Signature Required (if applicable)

If an electronic version is available, it will be sent to the email address provided after the redemption is complete.

Charity 3-5 business days 2-3 weeks for tax receipt
Gift cards Up to 10 business days 3-6 weeks for standard shipping

3-5 days for expedited shipping (for an additional fee)

Why do I keep getting a message telling me I can’t redeem my Vancity Community Investment Bank Rewards points at this time?

There could be a few reasons why you’re not able to redeem your points at this time. For example, it could be related to the status of your Shared Interest Visa account. For assistance, please call Card Services toll-free at 1-844-266-8242.

Transferring points

Can I transfer points between my Shared Interest Visa accounts?

Yes. If you’re the Account Administrator/Primary Cardholder of more than one Shared Interest Visa account and each account is in good standing, you can transfer points between them by calling 1-844-266-8242. These accounts must be under the same Account Administrator/Primary Cardholder. For example, if you have a Shared Interest Classic Visa card and Shared Interest Gold Visa card, you can consolidate points from both rewards accounts into one.

Can I transfer my points to the Account Administrator/Primary Cardholder of a different Shared Interest Visa account?

No. Account Administrators/Primary cardholders can only transfer points between their own Shared Interest Visa accounts. For example, you can’t transfer points from your account to your sister’s account if she is the Account Administrator/Primary Cardholder of a different Shared Interest Visa account.

Cardholders cannot transfer points between Vancity Community Investment Bank Visa and Vancity Visa card accounts.

Can I transfer points earned from other points programs?

Points earned through other reward programs, credit card companies, banks or credit unions can’t be transferred to Vancity Community Investment Bank Rewards.

My account

Where can I find my Vancity Community Investment Bank Rewards points balance?

Keep track of your Vancity Community Investment Bank Rewards points balance by:

Please note that your monthly statement includes a record of your points balance up to your billing date. Any points earned after the billing date are included in next month’s statement. This billing date is subject to change without notice.

Do I need to register for Vancity Community Investment Bank Rewards to earn and redeem points?

No. If you have a Shared Interest Visa card that earns reward points, you’ll automatically be enrolled into Vancity Community Investment Bank Rewards program and will be able to redeem points over the phone.

To redeem points online, you’ll need to make sure your Visa card account is registered online on Manage my Visa card at creditcards.vancitycommunityinvestmentbank.ca.

If I close my Shared Interest Visa account, can I still use my remaining Vancity Community Investment Bank Rewards points?

No. Once your Shared Interest Visa account is closed, your reward points are no longer valid and are cancelled immediately.

What happens to my points if I switch from a Shared Interest Visa account with rewards to one without rewards?

If you decide to change from a points earning Visa card to a card that does not earn points, you will have 90 days after the change was made to redeem any points you earned before the change. You cannot earn any points after the change and will lose any points that remain after the 90 day period.

What is an Authorized Redeemer? How do I add them to my account?

An Authorized Redeemer can redeem reward points on the Primary Cardholder or Account Administrator’s behalf. They do not need to be an Authorized User.

Only Primary Cardholders can add Authorized Redeemers to the Visa account. When an Authorized Redeemer is added to the account, they are being granted permission to redeem Vancity Community Investment Bank Rewards points over the phone through the Vancity Community Investment Bank Rewards Service Centre.

How to add an Authorized Redeemer:

  1. Log into Manage my Visa card at creditcards.vancitycommunityinvestmentbank.ca
  2. Select ‘Redeem reward points’ from the right side of the page and enter your CVV to access the Vancity Community Investment Bank Rewards website
  3. From the menu, select ‘My profile’ from the drop down next to your profile photo
  4. Select ‘Add Authorized Redeemer’
  5. Complete the form to add an Authorized Redeemer
  6. The Authorized Redeemer will need to call the Vancity Community Investment Bank Rewards Service Centre at 1-866-688-8242 for verification purposes before they can redeem points on your behalf. Please note the Authorized Redeemer can only redeem points over the phone and not through the rewards website.

You can also call the Vancity Community Investment Bank Rewards Service Centre at 1-866-688-8242 to add Authorized Redeemers.

Are there any reasons why I would not be able to earn or redeem points?

If your Visa account is not in good standing or if it has been suspended, you may not be able to earn and/or redeem your reward points.

If your Shared Interest Visa account is suspended
We may at any time suspend your account under the terms and conditions of the Vancity Community Investment Bank Credit Card Agreement, including if we suspect illegal, unauthorized or fraudulent use of the Visa Account. If your account is suspended, you will not be able to earn or redeem points during the suspension. If your account is restored, you will once again be able to earn and redeem points.

If your Shared Interest Visa account is not in good standing
If your account is past due for 30 to 60 days, you will stop earning points but will still be able to redeem them. If your account is past due for 61 to 180 days, you will stop earning points and will not be able to redeem them. If your account is not brought back to good standing within 180 days past the due date, your account will be closed, and your points will be cancelled immediately. If you bring your Visa account back into good standing prior to it being closed, you’ll be able to start earning and redeeming points.

What happens to a cardholder’s points if they pass away?

If the Account Administrator/Primary Cardholder’s account is in good standing and paid for in full, someone who is authorized to deal with their estate (such as an executor) may redeem their points by calling us at 1-866-688-8242. Point redemptions must be made within 90 days of the date of the death and we may ask for additional information.

Who do I contact if I still need help with Vancity Community Investment Bank Rewards?

  • Call the Vancity Community Investment Bank Rewards Service Centre at 1-866-688-8242
    • Cash back and charity support – 24 hours a day, 7 days a week
    • Travel and gift cards support – 6 am to 6 pm Pacific Time, 7 days a week
    • Cruises and vacation packages support – 5 am to 3 pm Pacific Time, Monday to Friday
  • Email the Vancity Community Investment Bank Rewards Service Centre at rewards@vcib.com

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Primary Cardholders and Authorized Users

What's the difference between an Account Administrator, a Primary Cardholder, and an Authorized User?

Account Administrators/Primary Cardholders and Authorized Users of Shared Interest Visa cards do not have the same responsibilities and access to their Visa account information

The Primary Cardholder is the person who applied for the personal Visa account. They’re responsible for all charges on the Visa account. They own all the reward points earned on the account and can redeem them. The Primary cardholder can add Authorized Users to their account.

The Authorized User has a credit card with their name on it issued under the Business account or Primary Cardholder’s personal account. The cards we issue to Authorized Users are sometimes called ‘supplementary cards’ or ‘additional cards’. The reward points belong to the Business or the Primary Cardholder and can only be redeemed by the Account Administrator or Primary Cardholder. Authorized Users will not be able to redeem points, unless they have been designated as an Authorized Redeemer by the Account Administrator or Primary Cardholder.

Remember, even if there are Authorized Users on the account, the Primary Cardholder is responsible for the account and promises to pay Vancity Community Investment Bank for all fees and interest we charge on the account and all the transactions. Any purchases made by an Authorized User will appear on the Primary Cardholder’s monthly statement.  Authorized Users should keep in mind that the credit card account belongs to the Primary Cardholder, and any purchases Authorized Users make using their card won’t help build their credit history.

For more details on these different cardholder roles, please review your Vancity Community Investment Bank Credit Card Agreement (for Personal Use) effective Friday, January 11, 2019.

On a business account, one Authorized User must be designated by the Authorized Signatory(ies) as the Account Administrator. The Account Administrator will be VCIB’s main contact person for the Visa account and will have access to operate the account and make changes to the account on behalf of the business. In practice, the Account Administrator has similar privileges to a Primary Cardholder of a personal Visa account, but ultimately the Business and the Guarantors are responsible for the debt incurred on the Business Visa account.

For more details on business cardholder roles, please review your Vancity Community Investment Bank Credit Card Agreement (for Business Use).

Who has access to the Vancity Community Investment Bank Rewards website?

Only Account Administrators/Primary Cardholders can access the Vancity Community Investment Bank Rewards website to redeem points. The reward points belong to the Account Administrators/Primary Cardholders and can only be redeemed by them. Authorized Users will not have that option, unless they have been designated as an Authorized Redeemer by the Account Administrator/Primary Cardholder.

How do I view and add Authorized Users to my account through Manage my Visa card website?

Please note only Account Administrators/Primary Cardholders can view and add Authorized Users to their account.

To view your Authorized Users:

  1. Log into Manage my Visa card at creditcards.vancitycommunityinvestmentbank.ca
  2. Select ‘Account services’ from the top of the screen
  3. Under Request type, select ‘Add an Authorized User’
  4. View your Authorized Users on the top of the screen

To request additional cards by adding a new Authorized User:

  1. Log into Manage my Visa card at creditcards.vancitycommunityinvestmentbank.ca
  2. Select ‘Account services’ from the top of the screen
  3. Under Request type, select ‘Add an Authorized User’
  4. Fill in the required fields about the Authorized User, such as their name, date of birth, phone number, address and how you’d like their name to appear on their card
  5. Select ‘Submit’ to submit your Authorized User request

Once your request has been reviewed and approved, we will send you a notification via Manage my Visa card and your card in the mail.

What is an Authorized Redeemer? How do I add one to my Visa account?

An Authorized Redeemer can redeem reward points on the Account Administrator/Primary Cardholder’s behalf. An Authorized Redeemer doesn’t have to be an Authorized User.

Only Account Administrators/Primary Cardholders can add Authorized Redeemers to their account. When an Authorized Redeemer is added to an account, they are being granted permission to redeem the Account Administrator/Primary Cardholder’s reward points over the phone through the Vancity Community Investment Bank Rewards Service Centre.

How to add an Authorized Redeemer:

  1. Log into Manage my Visa card at creditcards.vancitycommunityinvestmentbank.ca
  2. Select ‘Redeem reward points’ from the right side of the page and enter your CVV to access the rewards website
  3. From the menu, select ‘My profile’ from the drop down next to your profile photo
  4. Select ‘Add Authorized Redeemer’
  5. Complete the form to add an Authorized Redeemer
  6. The Authorized Redeemer will need to call the Vancity Community Investment Bank Rewards Service Centre at 1-866-688-8242 for verification purposes before they can redeem points on your behalf. Please note the Authorized Redeemer can only redeem points over the phone and not through the rewards website.

Need help? Call the Vancity Community Investment Bank Rewards Service Centre at 1-866-688-8242.

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Statements and eStatements

Where do I view my Shared Interest Visa eStatements?

To view eStatements, Primary Cardholders and Account Administrators can log in to the Manage my Visa Card  website and select ‘View eStatements’ from the “I want to…” dropdown.  They’ll be available for up to 24 months.  This is a digital copy or your statement, and it can be viewed in PDF, printed or saved to file.

Can I view eStatements from before the credit card services upgrade?

If you’re the Primary Cardholder and were signed up for the Canada Post epostTM service before our credit card services upgrade, you’ll be able to view your statements on their system for seven years.

Please note that if you cancel your epost account, you’ll no longer have access to your previous statements.

What are my Shared Interest Visa statement delivery options?

There are three options for receiving your statements:

  1. A paper statement mailed to you
  2. An email notification when your eStatement is ready to view in Manage my Visa card
  3. A mailed-out paper statement and an email notification when your eStatement is ready to view in Manage my Visa card

If you’re the Account Administrator/Primary Cardholder, you can make your choice by updating your Statement Preferences on the Manage my Visa card website.

How long are my Shared Interest Visa eStatements available in my Manage my Visa card account?

Shared Interest Visa eStatements are accessible on Manage my Visa card website and account history is saved for 24 months.

To get a copy of a statement that’s no longer available, please call Card Services at 604-877-8242 or toll-free 1-844-266-8242. Please note, a fee may apply.

How do I update my email address?

To change your email address:

    1. Log in to the Manage my Visa card website
    2. Select the menu in the top left-hand corner and choose ‘Manage Profile’
    3. Click on the pencil located in the top right-hand corner of the e-mail box
    4. Update your email address
    5. Click ‘Continue’
    6. You will receive an email confirmation of the change to your updated new e-mail address on file

I’ve opted out of paper statements but I’m still receiving them. Why?

When you opt out of paper statements, your next statement will still be mailed to you. After that, you’ll only receive an email notification when a new eStatement is available. Please note, in most cases, you only receive a statement when you have a balance on your account.

Who should I contact if I have questions?

Please give Card Services a call at 604-877-8242 or toll-free 1-844-266-8242 and one of our representatives will be happy to help.

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Legacy Personal Credit Cards

Does VCIB offer personal credit cards?

No. VCIB is only offering the Shared Interest Visa Business card at this time.

VCIB used to offer a Shared Interest Classic Visa credit card and a Shared Interest Gold Visa credit card. These products are no longer offered, but you can find the details here.

Can I find more information about VCIB’s legacy personal Visa cards?

Vancity Community Investment Bank used to offer a Shared Interest Classic Visa credit card and a Shared Interest Gold Visa credit card. These products are no longer offered, but you can find the details below:

 

Shared Interest Classic* Visa Credit Card

Our Shared Interest Classic Visa credit card gives you convenience, reliability and rewards. Earn one Vancity Community Investment Bank Rewards™1 point for every $2 you spend on the card. You can redeem points for cash back, travel, charitable donations and gift cards. Plus, every time you use your card, we will donate 10 cents to support not-for-profit initiatives worldwide through the Shared Interest Fund.

Option Annual Fee Vancity Community Investment Bank Rewards Rate Grace
Vancity Community Investment Bank Rewards $0 Yes 19.5% 21 days
Vancity Community Investment Bank Rewards and Low Interest Rate $50 Yes 11.25% 21 days
Low Interest Rate $25 N/A 11.25% 21 days

Shared Interest Classic* Visa credit card offers you:

  • Earn 1 reward point for every $2 spent – redeemable for cash back, travel, charitable donations and gift cards.
  • Double the points when you use your Shared Interest Visa card to book travel through the Vancity Community Investment Bank Rewards website or by calling us at 1-866-688-8242.
  • Insurance Benefits2include: extended warranty, purchase security coverage, and travel accident insurance up to $200,000.

Visa Credit Card Features:

  • Add up to 4 additional cards (Authorized Users) on your account at no extra charge.
  • Tap to pay with your Shared Interest Visa card (applicable to cards issued after January 14).
  • 24-hour cash advances through any ATM displaying the Visa symbol
  • Card Services is available 24/7 to assist you with your Shared Interest Visa card
  • Lost and stolen card protection
  • Protection against unauthorized purchases and 24/7 fraud monitoring
  • Emergency card and cash replacement services
  • One simple login to pay for online purchases with Visa Checkout*
  • Chip and PIN # enabled

 

Shared Interest Gold Visa Credit Card

Our Shared Interest Gold Visa Credit Card provides you with more purchasing power. You earn one Rewards1 point for every dollar you spend on the card. You can redeem points for cash back, travel, charitable donations and gift cards. If you’d prefer a lower interest rate, we offer that too. Plus, every time you use your card, we will donate 10 cents to support not-for-profit initiatives worldwide through the Shared Interest Fund.

Option Annual Fee Vancity Community Investment Bank Rewards Rate Grace
Vancity Community Investment Bank Rewards $99 Yes 19.5% 21 days
Vancity Community Investment Bank Rewards and Low Interest Rate $145 Yes 11.25% 21 days
Low Interest Rate $45 N/A 11.25% 21 days

Shared Interest Gold Visa Credit Card offers you:

  • Earn 1 reward point for every $1 spent – redeemable for cash back, travel, charitable donations and gift cards.
  • Double the points when you use your Shared Interest Visa card to book travel through the Vancity Community Investment Bank Rewards website or by calling us at 1-866-688-8242.
  • 2,500 bonus points on your first purchase ($25 rewards value).
  • 3,500 bonus points on your card’s anniversary ($35 rewards value).
  • Insurance Benefits2 include: extended warranty, purchase security coverage, travel accident insurance up to $500,000, price protection service, auto rental/loss damage insurance, and delayed and lost baggage insurance.

Visa Credit Card Features:

  • Add up to 4 additional cards (Authorized Users) on your account at no extra charge
  • Tap to pay with your Shared Interest Visa card
  • 24-hour cash advances through any ATM displaying the Visa symbol
  • Card Services is available 24/7 to assist you with your Shared Interest Visa card
  • Lost and stolen card protection
  • Protection against unauthorized purchases and 24/7 fraud monitoring
  • Emergency card and cash replacement services
  • One simple login to pay for online purchases with Visa Checkout*
  • Chip and PIN # enabled

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Protection for your Credit Card Balance

Where can I find Credit Card Balance Protection details?

You can find the Credit Card Balance Protection Creditor’s Group Insurance Product Guide and Certificate of Insurance here.

This Product Guide and Certificate of Insurance contains important information about your insurance, including terms and conditions which may exclude, restrict, or limit your coverage or benefits. Please read this carefully and keep it in a safe place. You may need to refer to it later of you have any questions about your insurance or if you need to make a claim.

Protection for your Credit Card Balance

Where can I find Credit Card Balance Protection details?

You can find the Credit Card Balance Protection Creditor’s Group Insurance Product Guide and Certificate of Insurance here.

This Product Guide and Certificate of Insurance contains important information about your insurance, including terms and conditions which may exclude, restrict, or limit your coverage or benefits. Please read this carefully and keep it in a safe place. You may need to refer to it later of you have any questions about your insurance or if you need to make a claim.

Credit Card Agreements

Where can I access the Credit Card agreements?

You can find the credit card agreements here. They are:

Credit Card Agreement for Business Use 

The Credit Card Agreement for Business use sets out the terms on which the Vancity Community Investment Bank Shared Interest Visa Business Card may be used.

Cardholder Agreement

The Cardholder Agreement contains important information about your Shared Interest Visa card including current fees, how interest is calculated and minimum payment amounts. There’s also a comprehensive description of your rights and responsibilities.

Insurance Agreement

Your Vancity Community Investment Bank Visa Business card entitles you to insurance benefits, which includes Extended Warranty and Purchase Security Insurance.

Rewards Terms and Conditions

Please review the Vancity Community Investment Bank Rewards program terms and condition that apply to your applicable Shared Interest Visa card.

Liability Waiver Insurance

The Vancity Community Investment Bank Shared Interest Visa Business Card Liability Waiver Insurance Program allows Eligible Companies that hold a Vancity Community Investment Bank Shared Interest Visa Business Card Account Agreement to request Vancity Community Investment Bank to waive the Eligible Company’s liability for certain Unauthorized Charges made by its employee Cardholders.

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Any Questions?

Card Services
24 hours a day, 7 days a week

Metro Vancouver: 604-877-8242
Toll-free: 1-844-266-8242

™Vancity Community Investment Bank and Vancity Community Investment Bank Rewards are trademarks of Vancouver City Savings Credit Union, used under license.

™Citizens Bank is a trademark of Citizens Bank of Canada.

™Shared Interest and Citizens Bank of Canada are trademarks of Vancity Community Investment Bank.

*Trademark of Visa Int., used under license.

Vancity Community Investment Bank is a member of CDIC and is a Certified B-CorpTM