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New banking experience

Your guide to Beem’s banking system merge and digital banking transition

From June 20 to 23, our former founding credit union banking systems will merge into a unified Beem banking system. During this period, your ability to bank will be significantly affected.

After the banking system merge, you will transition to Beem’s digital banking platform—accessible on mobile phone, desktop, or laptop computer.

Keep reading to learn how you can prepare now to minimize disruption and avoid delays.

Change can be hard – and necessary to grow

Arm yourself with knowledge to make the impact of change easier. Download and read the FAQs, Guide, and Checklist to understand what’s changing, and when to take action on critical updates. We understand change can be challenging, but bringing our systems together is how we build a stronger future for all of our members. And as always, we’re here to support you every step of the way.

Digital banking FAQs

Before June 23

Have questions about how you can prepare before June 23? Our Frequently Answered Questions are your first place for answers.

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Digital banking guide

June 23

This guide will help you navigate the transition to Beem’s new online banking platform and mobile app with ease. 


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Banking merge checklist

June 20-23

Be aware of the upcoming impacts to your online banking, mobile app banking, and telephone banking experiences.


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Take these three steps to avoid delays when online banking returns: 

1. Ensure your contact information is up to date
2. Pay bills scheduled from June 20-23 
3. Document your member number and PAC/Password 

 
 

Before June 20

Getting ready for the transition

Your current contact information is essential for a smooth transition. You will not be able to login to your new digital experience unless your phone number and email address are up to date. Here's how to check and update it: 

  • Log in to your current Gulf & Fraser digital banking 

  • Navigate to Profile and Preferences → Change Contact Information 

  • Click on each checkbox (address, phone number, and email) to review your information 

  • If information is incorrect, update it in the applicable fields 

  • If everything is correct, no action is needed 

  • If you need assistance, contact our Member Hub

 

Your Gulf & Fraser Member Number & PAC/Password  

You’ll need these to log in for the first time to Beem digital banking. If you’re unsure about your PAC/Password, please contact the Member Hub before June 23.  

For members with multiple memberships (business & personal)

Make sure you have log in credentials for each of your memberships (Gulf & Fraser Member Number & PAC/Password), as you'll initially need to set up each one individually on the new platform. 


For business members with delegates

Document your current delegate information under Business Services → Delegate Manager, as you'll need to re-create access for each delegate in the new system. 


For members with wealth accounts

Document your current linked wealth account information as you'll need to relink your account(s) in the new system.  

Note: Your Aviso Client Number is the first 6 characters of your account number as visible in the system today. 


For members with Collabria credit cards 

Have your Collabria MasterCard and a recent statement handy to create an account with CardWise, the Collabria solution for viewing your card activity and details. You can do this at any point before or after June 23.

 

We've worked to make this transition as seamless as possible. The following will transfer automatically to your new digital banking experience: 

  • Your scheduled bill payments 

  • Your account details and balances

 

Some items will NOT transfer automatically: 


Your e-Transfer profile, autodeposit setup, recent history, and recipients list

Please document your e-Transfer recipients (Name, email and/or mobile phone number). You will need this contact information to recreate each recipient within Beem digital banking.


Pending e-Transfer® payments 

Ensure any pending e-Transfer payments are accepted or cancelled by June 18. Please make note of any pending e-Transfer payments, if not accepted by the payee or cancelled by June 18, be prepared to send them again after logging in on the new platform.


Inter-Member transfer 

While we anticipate these transferring to the new system, we ask that you please document your postdated Inter-Member transfers so you can ensure they appear on the new platform after you login for the first time.


Business tax payment history  

If needed, make note of your business tax payment history for your own records. You will also still be able to access all of your business tax payment history within your CRA business account.

 

We anticipate a large volume of calls to our Member Hub close to, on, and after June 23. If you need any help getting ready for the transition, please contact us ahead of time to ensure timely assistance from a member of our team.

 

 

On June 23

Your step-by-step guide to transition day

Step 1  - Install the Beem app 

  • Go to the Apple App Store (iPhone) or Google Play Store (Android) 

  • Search for "Beem Mobile Banking" 

  • Download and install the new Beem mobile app 

 

Step 2  - First-time login process  

  • Open the Beem Mobile app 

  • Enter your Gulf & Fraser Member Number and PAC/Password

  • Create a new username and password 

  • Verify your mobile phone number   

  • Verify your email address 

  • Review and accept the service agreement 

  • Set your preferences for banking alerts (you can change these later) 

 

Step 3  - Verify your information    

  • Check that all your accounts appear correctly 

  • Verify your account balances to ensure all your funds are visible 

  • If you notice any discrepancies, please contact our Member Hub immediately   

  • If you had to cancel a pending e-Transfer®, scheduled CRA business tax payment, or scheduled Inter-Member transfer, please review and re-add if required 

 

Step 4  - For business members with multiple memberships 

  • If you have additional memberships (business or personal), repeat Steps 2-3 for each account   

  • Use the specific Gulf & Fraser Member Number & PAC/Password for each membership   

Note: After logging into each of your additional memberships, you will be able to consolidate them.


Step 5  (optional) - Interac e-Transfer® setup    


Recreating your Interac e-Transfer® profile

  • Navigate to Move money → Interac e-Transfer® → Profile settings 

  • Then, follow on-screen instructions to recreate your e-Transfer profile within Beem digital banking


Adding your recipients  

  • With your e-Transfer profile recreated, you can then add all of your recipients

  • You can do this by Navigating to Move money → Interac e-Transfer → Manage contacts


Setting up your autodeposit 

  • If you would like to setup your autodeposit, navigate to Move money → Interac e-Transfer → Autodeposit settings

Step 1  - Access the new digital banking platform   

  • On June 23, visit www.beemcreditunion.ca

  • You'll see a banner with instructions directing you to Beem digital banking 

  • Click on the link for Beem digital banking   

 

Step 2  - First-time login process  

  • Enter your Gulf & Fraser Member Number and PAC/Password

  • Create a new username and password 

  • Verify your mobile phone number   

  • Verify your email address 

  • Review and accept the service agreement 

  • Set your preferences for banking alerts (you can change these later) 

 

Step 3  - Verify your information  

  • Check that all your accounts appear correctly 
  • Verify your account balances to ensure all your funds are visible 
  • If you notice any discrepancies, please contact our Member Hub immediately   
  • If you had to cancel a pending e-Transfer®, or scheduled Inter-Member transfer, please review and re-add if required 

 

Step 4  - For business members with multiple memberships 

  • If you have additional memberships (business or personal), repeat Steps 2-3 for each account   

  • Use the specific Gulf & Fraser Member Number & PAC/Password for each membership   

Note: After logging into each of your additional memberships, you will be able to consolidate them. 


Step 5  (optional) - Interac e-Transfer® setup    

  • Recreating your Interac e-Transfer® profile

  • Navigate to Move money → Interac e-Transfer® → Profile settings 

  • Then, follow on-screen instructions to recreate your e-Transfer profile within Beem digital banking


Adding your recipients  

  • With your e-Transfer profile recreated, you can then add all of your recipients

  • You can do this by Navigating to Move money → Interac e-Transfer → Manage contacts


Setting up your autodeposit 

  • If you would like to setup your autodeposit, navigate to Move money → Interac e-Transfer → Autodeposit settings

 

After your first login

Additional steps for linked accounts

If you have Qtrade direct investing, Qtrade guided portfolios, or Aviso investment accounts: 

  • Go to Accounts → Investment Accounts in the Beem digital banking menu 
  • Select which investment account(s) you wish to link 
  • Follow the on-screen instructions 
  • Once linked, you can view your investment information in the Investment Accounts tab

If you have a Collabria credit card linked to your banking and you do not yet have a CardWise account: 

Option 1 (mobile) 

  • Search for "CardWise" in your device's app store 

  • Download and install the app 

  • Create a new login 

  • Follow the instructions to link your credit card  


Option 2 (desktop) 

  • Look for and click the CardWise link on the login screen of the Beem digital banking platform 

  • Create a new user login  Follow the instructions to link your credit card 

Or 

  • Navigate to cardwiseonline.ca 

  • Create a new user login 

  • Follow the instructions to link your credit card 

     

Note: Your Collabria credit card will continue to function normally. However, viewing your Collabria credit card details and activity will not be supported on the initial launch of Beem digital banking. We are looking to integrate this functionality on later versions of the platform. Until then, please use CardWise for all of your Collabria credit card needs. If you are a business cardholder on a Consolidated Pay Structure, continue using MyCardInfo. 

At Beem, your safety is our top priority and we’re committed to safeguarding your accounts. Here are some important tips to stay secure: 

  • We will never ask for your online banking credentials, including passwords or verification codes 
  • Double-check URLs for accuracy (e.g. . gulfandfraser.com vs. suspicious look-alikes like gu1fandfraser.com) 
  • Use our official Beem mobile app or bookmark the legitimate beemcreditunion.ca website
  • Enable account alerts for important actions like logging in, adding a new e-Transfer® payee, or adding a new bill payee 
  • Be cautious with links in emails, texts, social media messages, or pop-ups—especially if you don’t know or trust the sender 
  • Use strong, unique passwords: 
    • Strong: Minimum 10 characters, at least 1 letter, 1 number, 1 special character, and a mix of uppercase/lowercase letters 
    • Unique: Do not reuse passwords from other platforms (e.g., email, streaming services, utility providers) 

Remember, you can always reach out to us if you have any questions or concerns. We’re here to help make your banking experience secure and worry-free. 

 

Your guide to Beem’s banking system merge

From June 20 to 23, our former founding credit union banking systems will merge into a unified Beem banking system. During this period, your ability to bank will be significantly affected. We have prepared a summary of changes you need to be aware of. In some cases, you will need to take action, and in others, you will simply need to be aware. 

Before banking system merge weekend

(Starting June 16, 2025)

On banking system merge weekend

(June 20- 23, 2025)

After banking system merge weekend

(After June 23, 2025)

Before banking system merge weekend (Starting June 16, 2025)


🔴 High impact - Pay close attention

 

What's changing?

Impact

Action needed

Details

Outgoing e-Transfers disabled

 June 16–23
Outgoing e-Transfers are not expected to be processed from 3:00 pm, June 16 until 7:00 am, June 23. 

Maybe
If you need to send an e‑Transfer during the date of impact, make alternate plans or wait.

Service resumes 7:00am, June 23.

Incoming e-Transfers disabled

June 18–23
Incoming e-Transfers are not expected to be processed from 3:00 pm, June 18 until 7:00 am, June 23..

Maybe
If expecting an incoming e-Transfer during the date of impact, make alternate plans or wait.

Service resumes 7:00am, June 23.

Cancelling e-Transfers disabled

June 18–23
You will be unable to cancel e-Transfers from 3:00pm, June 18 until 7:00am, June 23.

Maybe
Cancel any urgent e-Transfers before June 18.

Service resumes 7:00am, June 23.

Pending outgoing e-Transfers cancelled 

June 19
All pending outgoing e-Transfers will be cancelled the morning of June 19. 

Maybe
Resend any cancelled e-Transfers after June 23. 

Any pending e-Transfers that were cancelled will be refunded and credited to your account by June 20. 

Autodeposit registration deleted

June 19
Your autodeposit registration will be deleted on June 19.

Maybe
You can re-register for autodeposit starting June 23.

Autodeposits can be re-registered once Beem digital Banking is live. 

Interruptions to business online banking transactions

June 20
Business members must ensure there are no unapproved business transactions in online banking. These will not be processed post-merger.

Maybe
Approve or delete unapproved business transactions before June 20. 

If any business transactions are outstanding after this date, you can recreate them starting June 23. 

AFT (Automated Fund Transfer) file cutoff for business members and new website URL 

June 18
Business members who use AFT will need to set up/release files to ensure there are no service interruptions.

Maybe
If you use AFT, ensure all pending files are processed before 12:00pm, June 18 to guarantee processing. 

After June 23, you will be able to access AFT through a new website URL. If you are impacted, a member of our team will reach out with more information. 

 

 


🟢 Low impact - Pay close attention

 

What's changing?

Impact

Action needed

Details

ATM cash or cheque deposit holds decreasing

 June 2
Standard ATM hold times for deposits will be decreasing to 24 hours.

No

If you have standard ATM hold times (5 days), these will decrease on June 2. 

Foreign ATM Fees

June 2
You will see an ATM Foreign Transaction Fee immediately after processing a transaction at a foreign ATM.

No

Currently these fees are posted with your monthly transaction fees.

 

On banking system merge weekend (June 20–23, 2025) 


🔴 High impact - Be aware

 

What's changing?

Impact

Action needed

Details

Digital banking & mobile apps temporarily offline 

June 20-23
No digital banking access from 4:00 pm, June 20 until 7:00 am, June 23. 

Maybe
Plan around the outage.

Starting June 23, former Gulf & Fraser digital/mobile banking access will be replaced with Beem digital banking. Your new digital home beemcreditunion.ca will now be available. 

🟠 Medium impact - Be aware


What's changing?

Impact

Action needed

Details

Bill Payments processing paused

June 20–23
You will be unable to process new bill payments from 4:00pm, June 20 until 7:00am, June 23. 

June 21–22
Scheduled bill payments for June 21 will not be processed until the evening of June 22. 

 

Maybe
Pay any urgent bills before June 20.

Check recurring/scheduled payments on June 23. 

Payments queued for June 21, will process the evening of June 22. Keep your due dates in mind.   

Pre-Authorized Transactions delayed

June 21–22
Pre-Authorized Transactions scheduled for June 21 will not be processed until the evening of June 22.  

Maybe
Ensure you process Pre-Authorized Transaction(s) sooner if needed.

If you need to process a Pre-Authorized Transaction sooner, ensure it is done before June 20. 

ATM and Debit Card service limitations

June 20–23 
ATM withdrawal and debit purchases will have service limitations from the evening of June 20 until June 23. 

Maybe
Plan your cash/large purchases in advance. Withdraw extra funds if needed. 

 

Normal ATM and Debit Card service resumes June 23. 


🟢 Low impact - Be aware

 

What's changing?

Impact

Action needed

Details

Branch and Member Hub hours

No change to branch or Member Contact Centre hours on June 20 or June 21. 

No

Branches normally open on Saturdays will follow regular business hours.

Member Hub extended hours 

Extended hours will be available to help members during banking system merge. 

No

Sunday, June 22: 10:00am– 4:00pm 

Monday, June 23: 7:00am–9:30pm 

 

After banking system merge weekend (After June 23, 2025) 


🔴 High impact - Pay close attention

 

What's changing?

Impact

Action needed

Details

Draws between demand accounts process immediately

 After June 23
Draw transactions will process immediately rather than at the end of the day.

No

Draw now appear instantly in account history.

e-Transfer recipients and history lost

After June 23
You will lose your e-Transfer recipients, sender profile and historical e-Transfer details.

Maybe
If you use e-Transfer, take note of your details now.

Past e-Transfers that you've sent will still be shown in your account history.

Membership integration for multiple credit union members

After June 23
If you also have a former Interior Savings and/or North Peace Savings membership, your memberships will be combined.  

No

If you are impacted, a member of our team will reach out with further information. 

Business member online banking delegates and consolidated memberships removed 

After June 23
Business delegates and consolidated memberships will be removed during the banking system merge. 

Maybe
If you have business delegates and/or consolidated memberships, they will have to be recreated. 

Additional information is located within the Beem digital banking transition portion of this guide.   

Some former Gulf & Fraser member numbers will be changing 

After June 23
Some Gulf & Fraser member numbers will gain leading digits post banking system merge. 

No

If you are impacted, you will receive a communication with your new member number. You will need your new member number to login to Beem digital banking. 

Your MemberCard will continue to work and your PINs stay the same. 

 

🟠 Medium impact - Pay close attention


What's changing?

Impact

Action needed

Details

Alerts removed

After June 23
You will need to add new alerts in Beem digital banking.

 

Maybe
Recreate alerts after first login. 

Set your alert preferences after first login.   

SMS/Text banking discontinued

After June 23
SMS/Text banking capabilities will no longer be supported after the banking system merge.

Maybe
If you rely on SMS/Text banking, make alternate banking arrangements.

If you need help with alternate banking arrangements, call the Member Hub or visit your local branch.

Third-party accounting software programs disabled

After June 23
Linking your online banking within Mint, Quickbooks, Intuit and other third parties will stop working. 

Maybe
If you rely on third-party accounting software, use imported files from Beem digital banking in your third-party software.

While access is lost, you will still be able to download reports in applicable formats for any third-party software.

Minor changes to account names

After June 23
You may notice slight changes in your account names in your online banking, statements and ATMs.

No

If you had a custom nickname for an account, it will remain in place. 

New account numbers

After June 23
Your account numbers will change.

No

 

Cheques and automatic deposits/withdrawals will continue to work, even with your old account number.  No action is required. 

Registered-plan trustee and contract numbers change

After June 23 
New Beem contract number will appear on tax slips.

No

Applies to Registered Retirement Savings Plans (RRSP) 

Tax Free Savings Accounts (TFSA) 

Retirement Income Funds (RIF) 

Life Income Funds (LIF) 

Locked-in Retirement Accounts (LIRA) 

e-Documents temporarily unavailable 

After June 23
Digital copies of tax receipts will not be visible right away. 

Maybe
If needed download copies of your 2024 receipts.

 

Contact us if you need a copy of your 2024 receipts. Tax receipts will be available before the 2025 tax season.


🟢 Low impact - Be aware

 

What's changing?

Impact

Action needed

Details

Member Rewards program retires

After June 23
Members who have opted into the program will receive their last payout on June 16.  

No

A new Beem Member Rewards program is coming. More information will be provided soon. 

Registered variable-savings interest now monthly

After June 23
Interest will be paid monthly instead of semiannually. 

No

Applies to former Gulf & Fraser registered variable savings accounts.   

Transaction history affected in digital banking

After June 23
You will have limited access to review historical transactions online. 

No

Available history:  Chequing/Demand savings accounts will have 1 year of history available to review.    

Registered savings/plans will have 2024/2025 history available to review. 

Mobile Wallet registration (Apple Pay, Google Pay, Samsung Pay)

After June 23
MemberCards will need to be re-registered for Mobile Wallets 30 days after June 23. 

Maybe
If you use Mobile Wallet, you can re-register starting July 23.

You can register your existing MemberCard for Apple Pay, Google Pay or Samsung Pay starting July 23.   

Note that if you re-register for Mobile Wallet, your digital MemberCard will reflect Beem branding. 

Phone-banking enrollment available

After June 23
You can sign up for TeleTouch phone banking.

Maybe
Visit your local branch or call the Member Hub to enroll. 

Kelowna area, call:  250-862-4728    

All other locations, call: 1-877-861-4728 

Statement changes

June 2025
You will begin receiving Beem-branded statements.    Joint owners will see full transaction details rather than a summary.

No

Your June statements arrive in two parts: Gulf & Fraser-branded (June 1–20) and Beem-branded (June 21–30). 

Service Charge display

After June 23
Account fees will be consolidated into 1 month-end service charge. 

No

On your monthly statements, any additional transactions above your account limit will be included within your monthly service charge fee. 

Member Equity Shares

After June 23
Member Equity Shares will be renamed to Member Shares

No

You will see these changes within your statements and online banking.

Term Deposits

After June 23 
Certain former Gulf & Fraser Term Deposit products will be converting to a savings account. 

No

If you are affected, a member of our team will contact you with more information. 

Member Hub extended hours

June 23-July 18
Extended hours will be available to help members during digital banking transition. 

No

June 23 to June 27:
7:00am–9:30pm  

Sundays, June 29 & July 6:
10:00am–4:00pm

June 30 to July 4:
7:00am–9:30pm  

July 7 to July 11:
7:00am–8:30pm  

July 14 to July 18:
7:00am–8:30pm
Saturdays follow regular business hours 

 

Effective June 23, 2025, your mortgage-secured overdraft protection will be converted to a Home Equity Line of Credit (HELOC) as part of our banking system merge. Click here for more information.

 

Business account & USD account changes

On June 2, 2025, we’re introducing a refreshed lineup of business banking and USD accounts designed to better support your operations.

What’s improving?

✓ Lower monthly fees
✓ Flexible transaction options
✓ Improved digital access

Select service fees are also changing effective June 2, 2025. Click here to learn more.

Business account changes: Effective June 2, 2025

New business spending accounts

While some accounts aren’t changing, some are being improved, and others are entirely new. If applicable, your account will automatically transition on June 1, 2025.

Please see below for more details.

Current account valid until June 1, 2025

New business spending account effective June 2, 2025

Essential Business

No changes

Essential Business:

Made for businesses with just a few monthly transactions. Suitable for self-employed businesses or micro-businesses with a limited need of transactions.

Includes 10 limited transactions.$1.25 per additional transaction.

Monthly fee: $6.95
Waived with min. $10K balance

Everyday Business

No changes

Everyday Business:

A competitively priced account to conduct your daily business banking needs. Suitable for businesses that require more than just digital banking.

Includes 50 limited transactions. $1.25 per additional transaction.

Monthly fee: $24.95
Waived with min. $50K balance

Unlimited Business

No changes

Unlimited Business:

Perfect for businesses making lots of transactions. Suitable for small to commercial businesses.

Includes unlimited transactions and transfers between accounts.

Monthly fee: $49.95
Waived with min. $75k balance

Everyday Business Community

Everyday Business Community:

A cost-effective account for non-profits organizations.

Includes 50 limited transactions. $1.25 per additional transaction.

Monthly fee: $2
Waived with min. $50K balance

 

New - available June 23

Essential Business E-Account:

Suitable for self-employed businesses with minimal monthly transactions who do the majority of their banking online. Unlimited electronic transactions.

Unlimited electronic transactions. Includes 10 outgoing e-Transfers. $2.50 per in branch WD or bill payment, $2.50 per cheque WD, $1.25 per in branch deposit, $1.25 per additional e-Transfer.

Monthly fee: $4.95


New business savings accounts

While the Everyday Business Savings account isn’t changing, the High Interest Business Savings account is being improved. If applicable, your account will automatically transition on June 1, 2025.

Please see below for more details.

 

Current account valid until June 1, 2025

New business spending account effective June 2, 2025

Everyday Business Savings

No changes

Everyday Business Savings:

Perfect for savings you want to keep handy and use soon.

Current rate - 0.05%.

Includes 5 limited transactions. $1.25 per additional transaction

Monthly fee: $0

High Interest Business Savings

High Interest Business Savings:

Includes 2 limited transactions2. $5.00 per additional transaction.

Tiered interest rate.

No ATM/debit access.

Monthly fee: $0
 

Always free transactions: 

    • Direct deposits
    • Online transfer withdrawals
    • Online transfer deposits
    • Incoming Interac e-Transfer payments
    • Request for Interac e-Transfer payments
    • In-branch deposits
    • In-branch transfer deposits and smart device cheque deposits


Limited transactions: 

    • Outgoing Interac e-Transfer payments
    • Online bill payments
    • Cheque withdrawals
    • Debit card purchases
    • Pre-authorized debits
    • EXCHANGE Network ATM withdrawals
    • In-branch bill payment
    • In-branch withdrawals and In-branch transfer withdrawals 

e-Account free transactions: 

    • Direct deposits
    • Online transfer withdrawals
    • Online transfer deposits
    • Incoming Interac e-Transfer payments
    • Request for Interac e-Transfer payments
    • Smart device cheque deposits
    • Outgoing Interac e-Transfer payments (limit of 10)
    • Online bill payments
    • Debit card purchases
    • Pre-authorized debits
    • EXCHANGE Network ATM withdrawals


Paper statements:

    • $5.00 per month includes cheque images
    • Free e-statements
 


New personal USD accounts

While the US Dollar account is changing, the USD Savings account is entirely new. If applicable, your account will automatically transition on June 1, 2025.

Please see below for more details.

 

Current account valid until June 1, 2025

New business spending account effective June 2, 2025

US Dollar

USD Spending:

2 limited transactions included.

$1.00 USD per additional transaction.

Monthly fee: $0

Priced in USD

 

New - available June 23

USD Savings:

2 limited transactions included.

$5.00 USD per additional transaction.

Earns interest.

Monthly fee: $0

Priced in USD


New business USD accounts

While the Business US Dollar account is changing, the USD Business Savings account is entirely new. If applicable, your account will automatically transition on June 1, 2025.

Please see below for more details.

 

Current account valid until June 1, 2025

New business spending account effective June 2, 2025

Business US Dollar

USD Business Spending:

4 limited transactions included.

$1.25 USD per additional transaction.

Monthly fee: $4.95

Priced in USD

 

New - available June 23 

USD Business Savings:

1 limited transaction included.

$5.00 USD per additional transaction.

Earns Interest.

Monthly fee: $0

Priced in USD
 

US always free transactions: 

    • Direct deposits
    • Online transfer withdrawals
    • Online transfer deposits
    • In-branch deposits and In-branch transfer deposits 

US limited transactions: 

    • Cheque withdrawals
    • Pre-authorized debits
    • In-branch withdrawals
    • In-branch transfer withdrawals
 


New personal USD accounts

While the US Dollar account is changing, the USD Savings account is entirely new. If applicable, your account will automatically transition on June 1, 2025.

Please see below for more details.

 

Current account valid until June 1, 2025

New business spending account effective June 2, 2025

US Dollar

USD Spending:

2 limited transactions included.

$1.00 USD per additional transaction.

Monthly fee: $0

Priced in USD

 

New - available June 23

USD Savings:

2 limited transactions included.

$5.00 USD per additional transaction.

Earns interest.

Monthly fee: $0

Priced in USD


New business USD accounts

While the Business US Dollar account is changing, the USD Business Savings account is entirely new. If applicable, your account will automatically transition on June 1, 2025.

Please see below for more details.

 

Current account valid until June 1, 2025

New business spending account effective June 2, 2025

Business US Dollar

USD Business Spending:

4 limited transactions included.

$1.25 USD per additional transaction.

Monthly fee: $4.95

Priced in USD

 

New - available June 23 

USD Business Savings:

1 limited transaction included.

$5.00 USD per additional transaction.

Earns Interest.

Monthly fee: $0

Priced in USD
 

US always free transactions: 

    • Direct deposits
    • Online transfer withdrawals
    • Online transfer deposits
    • In-branch deposits and In-branch transfer deposits 

US limited transactions: 

    • Cheque withdrawals
    • Pre-authorized debits
    • In-branch withdrawals
    • In-branch transfer withdrawals
 
 

Questions about the changes?

Do not hesitate to get in touch with us. Our team is always happy to help.
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At Gulf & Fraser, we're here to power your possible

GFCU Savings contact

The GFCU Savings call centre hours are open from 7:00am-7:00pm Monday to Friday and 8:00am-4:00pm on Saturday.

Local: 1-250-442-5511

Toll-free: 1-866-442-5511

Email: info@gfcu.com

 
 

©2025 Gulf & Fraser. All rights reserved. Gulf & Fraser and GFCU Savings are trade names of Beem Credit Union.