Your new banking experience

We've been busy building Beem! here's some changes and enhancements coming your way.

Your new digital experience arrives soon

Members will transition to Beem’s new online banking platform, mobile app, and website through a simple setup process. You'll receive clear instructions by mail and email to guide you every step of the way, but today we want to give you a heads up on what’s coming and where you can go for more information.

Transition timeline

Our thoughtfully phased approach:

May 2025

Former Interior Savings members transition to the new Beem digital banking experience

June 2025

Former Gulf & Fraser and North Peace members transition to the new Beem digital banking experience, and Beem undergoes banking system merge

What can you do to prepare?

As a former Gulf & Fraser member, you’ll receive instructions on May 16 with everything you need to know about seamlessly transitioning to your new digital experience, including what you can do to prepare in advance.

Contact information

Your contact information (email and mobile phone number) must be up to date to ensure a smooth transition and your continued access to the new digital banking platform.

To check if your contact information is up to date, please log into your digital banking through your browser at gulfandfraser.com and navigate to Profile and Preferences -> Change Contact Information.

Under Change Contact Information, click each of the tick boxes for address, phone number, and email. This will open your existing information. You can then verify if the information is correct or if you need to make a change. If your information is correct no action is required. If it is not, please update your information in the applicable field(s).

If you need assistance with changing your contact information, please contact our Member Hub at 604-419-8888 or toll free at 1-866-442-5511 for former founding GFCU.

What’s changing?

✓ A new digital home at beemcreditunion.ca on computer and mobile devices

✓ A new Beem mobile app will replace your Gulf & Fraser app

✓ A new Beem online banking experience will replace your Gulf & Fraser banking experience on desktop or laptop computer

✓ A first-time login process that that will simplify your future logins

✓ A modern, intuitive interface featuring Beem's vibrant brand identity

✓ Potential impacts to your member and account numbers

✓ Your e-Transfer profile, including history, contacts, and autodeposit registration will be lost

What’s staying the same?

✓ Your balances and recent transaction history transfer seamlessly

✓ All automatic payments and payroll deposits continue uninterrupted—no action is required from you

✓ Banking in-branch, at ATMs, and over the phone will not be affected. You’ll be able to continue banking with us any way you like

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.

On this journey together

We understand change can be challenging, but our team is here to support you every step of the way. This transition marks an exciting new chapter in our commitment to providing you with a reimagined banking experience that allows you to bank on your terms.

Rest assured that while our digital experience is evolving, our dedication to exceptional member service remains unwavering. We look forward to welcoming you to the new Beem digital experience.

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.

Learn more about business account changes

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

Learn more about USD account changes