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Digital banking updates

Follow this page for the latest updates on your digital banking experience!

Updated August 21, 2023

GFCU Savings members: welcome to digital banking at Gulf & Fraser!

You'll need your new Gulf & Fraser Member Number to access digital banking at effective June 19. You would have received your Member Number in the mail in June, give us a call if you did not. In the meantime, see this page to download your guide to access online banking and other important information.

How to login to online banking

Effective June 19, when you go to you will be automatically re-directed to a new GFCU Savings area on the Gulf & Fraser website. Learn how the website is changing.

From there, you'll choose LOGIN TO > ONLINE BANKING on the drop-down menu at the top-right of your screen. Once you click on ONLINE BANKING, you’ll be taken to where you can login to Gulf & Fraser online banking.

You’ll use your new Gulf & Fraser Member Number to login to online banking. You'll use your existing GFCU Savings Personal Access Code to login.

Refer to your guide for step-by-step instructions to access Gulf & Fraser online banking. 

We welcome your feedback!

Our digital banking experience offers the features members told us they love about online banking, with a fresh look and feel, easy navigation and additional security for your protection. If there's something you feel could be better, know that we're always working to improve digital banking and we do that best with feedback from you!


How to get the Gulf & Fraser app

Our app is available in Google Play and the App Store. Search for "Gulf & Fraser".


Would you like to do your banking from the comfort of your home? Here's how to get started with online banking:

To get started using online banking, follow these steps:
  1. Talk to us at a branch or call the Member Hub at 604-419-8888. (GFCU Savings members: call 250-442-5511)
  2. We will verify your identity.
  3. You will get a temporary Personal Access Code (PAC)
  4. You will login to online banking here using your Member Number and temporary PAC.
  5. Once logged in, you will need to confirm that you have read and agreed to the Electronic Transaction Agreement.
  6. The system will ask you to update your PAC and then you'll be ready to start banking online!
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Our Member Hub is ready to help you

Call 604-419-8888, Monday through Friday, 7am to 7pm, and Saturdays, 8am to 4pm

Frequently asked questions

With Account Plus you can link your investment accounts to your Gulf & Fraser account and view your balances all in one place within Gulf & Fraser online banking. Follow these steps to link your accounts:

  1. Login to online banking using a laptop or desktop computer.
  2. Click on Account Services in the left-hand menu.
  3. Click on Investment Accounts.
  4. Click on Credential Asset Management.
  5. Enter your Credential Client ID number (found on your Credential account statements).
  6. The system will let you know if the link was successful. Note it may take up to 5 minutes to update your account details in online banking.
  7. Log in and out of online banking to verify your investment account was linked.

When you first login to the app or online banking, you will be prompted to register for 2-step verification. With this security feature, there will be times when you’ll need to complete two steps to login to your account:

  1. Enter your Login ID (your member number) and personal access code
  2. Enter a unique verification code which you will get from a text message or email, whichever you choose to set up.

We recommend you set up both text and email, so you'll have a back-up plan in the event that you do not have your phone with you when you're logging in.You won’t be prompted to use 2-step verification each time you login, but you can expect to be prompted when risk may be higher (for example, the first time you login from new device or location).

You will need to set up 2-step verification before you can login to online banking or the app. We know this can be an adjustment for many people, so please call us and we'll support you as best we can. Call 604-419-8888 from 7am to 7pm Monday to Friday and from 8am to 4pm on Saturdays.

Personal members* can change their password / Personal Access Code (PAC) anytime, on the Gulf & Fraser website.

  1. Start by going to the PAC reset page.
  2. Enter your member number.
  3. Provide your date of birth.
  4. Select method to receive verification code (e.g., text message or email).
  5. Enter your verification code.
  6. Create your new PAC.

The PAC Reset with 2-step verification service enables you to reset your PAC using 2-step verification** on your own. You can do this anytime, 24/7, through online banking or the Gulf & Fraser app. Should you need assistance, you are welcome to call our Member Hub at 604-419-8888.

*Service is not yet available for business members or their delegates. 
**You must be set up with 2-step verification prior to resetting your PAC. 

A void cheque is useful for setting up direct deposit into your account or a pre-authorized debit from your account. Some employers may request a void cheque to set up payroll for you when you start a new job. Follow these steps to download a void cheque for any of your Canadian spending or saving accounts. 

  1. Login to online banking using a laptop or desktop computer. 
  2. Navigate to the Account Activity page for the account you wish to generate a void cheque from
  3. Click on the link "Direct Deposit and Pre-Authorized Debit (PAD) Form" which is just below the Account Details section.
  4. Download the PDF void cheque.

Note: this service is not yet available through the Gulf & Fraser app.

If you would like to use biometric login (using your face or fingerprint to open the Gulf & Fraser app instead of typing your information), you will need to select "Remember me" before you login. Then you will need to edit your "Face/Touch ID" biometric options in the settings menu.

There are three ways to print a record of your account transactions from your desktop computer or laptop.

  1. Download to PDF through Account Activity, under the Format drop-down menu.
  2. Use the print screen button on your keyboard.
  3. Use the print option on your internet browser. For example: in Chrome, click on the three dots at the top right of your browser window and then click Print, or, hold down the control (Ctrl) button on your keyboard and type ‘P’.


This is a great feature that we know members enjoy. We’re pleased to let you know that as of March 24, 2022, the running balance is now displaying in the Gulf & Fraser app. Thank you for your patience!

By default, QuickView will display your first three accounts when you open the app. You can personalize the display by selecting three accounts you would prefer to see. Follow these steps:

  1. Open the app.
  2. Click Log In.
  3. Enter your Login ID and PAC.
  4. Check the “Remember me” box.
  5. Create a name for your Saved Login Profile.
  6. Click Login.
  7. Click Set Up QuickView.
  8. Select up to three accounts for QuickView display.
  9. Click Save.

In Gulf & Fraser's digital banking experience, personal members can link their Collabria credit card to online banking. That way you won't have to open a separate website to view your credit card balance and transactions - you'll see that information within online banking.

The process is simple and, once complete, you'll see your credit card information inside online banking within 15 minutes.

Note: you'll need to link your credit card in online banking first using a desktop computer or laptop before you link your credit card to the app.

  1. If you have a new card, make sure you activate it with Collabria first by calling the phone number they provided.
  2. Login to online banking using a desktop or laptop computer.
  3. Click on Account Services in the left-hand menu.
  4. Click on Add/Remove Collabria Credit Cards.
  5. Click on Link a Collabria Credit Card.
  6. Read the Terms and Conditions and click I Agree.
  7. Enter your credit card number and 3-digit CVV number.
  8. Click on Link Card.

Cheques deposited using the Gulf & Fraser app are held for the standard 5 days.

Deposit Anywhere or 'remote deposit' is a free service in the app that enables you to deposit money by taking a photo of a cheque and sending the photo to Gulf & Fraser. 

Please contact the Member Hub at 604-419-8888 for assistance if you need a cheque to clear faster, or you can deposit your cheque in person at any of our branches for fastest clearance.

Action items for those joining our digital banking experience from VP Financial and Mount Lehman Financial

  1. Locate your new Gulf & Fraser member number and temporary Personal Access Code (PAC) in the letter we mailed to you. Call our Member Hub at 604-419-8888 if you did not receive a letter.
  2. Read the Guide to getting started with digital banking, see what's changed for you. Open VP Financial guide. Open Mount Lehman Financial guide.
    • If you have never used digital banking with your credit union, call the Member Hub to get registered.
  3. Login to digital banking on our login page and bookmark this page for future reference.
  4. Follow the instructions in the guide to set up your Personal Access Code.
  5. Download the Gulf & Fraser app at the App Store or Google Play
    • You’ll login with your new member number and PAC
    • If you’re a member of both Gulf & Fraser and VP Financial or Mount Lehman, you’ll login with your Gulf & Fraser credentials
  6. Re-register for Mobile SMS/Text banking
  7. Link your personal Collabria mastercard (not yet available for business credit cards)
  8. Re-link any Aviso investment accounts
  9. Re-register for Autodeposit when you login to online banking or the app for the first time. Click here for instructions on how to set up Autodeposit.
  10. Set up Remember Me so that your member number is saved in the login page. (You cannot save your Personal Access Code.)
  11. Add your Interac eTransfer recipients
  12. Update your Automated Funds Transfer bookmark to
  13. Resend any Requests for Money which were not fulfilled by October 16, 2022
  14. Download your eStatements for full transaction details from previous months (details prior to October 21, 2022 will not display in Gulf & Fraser online banking)

Download the Checklist of Change (VP Financial) or Checklist of Change (Mount Lehman Financial) to help you work through these changes. If you need assistance, call the Member Hub at 604-419-8888.

Action items for business members joining our digital banking experience from VP Financial and Mount Lehman Financial

  1. Re-consolidate additional memberships to your business membership:
    • This will allow you to see all memberships under one login again.
    • Refer to your business records for the additional memberships that you need to link.
    • Make sure you have the new Personal Access Code (PAC) for each combined membership. You’ll need to enter it when re-linking the membership in our digital banking experience.

  2. Re-add your delegates

  3. Re-add your Alerts

  4. Download your eStatement for September 2022 or previous months from Gulf & Fraser online banking - the statements will show you full transaction details.
    • Starting October 24, 2022, full transaction details (bill payee name, Point of Sales (POS) merchant name, etc.) will be available in Gulf & Fraser online banking for transactions which were made from October 24, 2022 onward.

As noted in the VP Financial Checklist of Change, you will need to have downloaded the transaction history in CSV before October 19, 2022. Access to transaction history beyond 6 months will not be available in your Account Details view as of October 24.

You can view your monthly eStatement PDF to access this information.