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See this page ​for tips on how to bank safely, how to protect your identity and how to make secure Interac e-transfers®.

Navigating through COVID-19 

Last update: March 25, 2022

At Gulf & Fraser, as a local community-based credit union, our role and responsibility during the COVID-19 pandemic is to support the well-being of our employees, members and our communities. This is instilled in our values and rooted in our credit union principles. 

Gulf & Fraser has updated our safety protocols to align with guidance set out by the Province of British Columbia. We will continue to follow the guidance set out by the provincial health officer as we work together to protect one another through to the end of this pandemic.

How we're helping prevent the spread of COVID-19:

  • Ongoing and regular monitoring
  • Promoting healthy habits
  • Providing enhanced safety protocols at branches
  • Providing online and telephone banking services

Safety protocols when visiting a branch

In compliance with provincial health orders, our branches are operating with enhanced safety protocols. This means that you may be asked to maintain physical distance of 2 metres from others when in a branch. While masks are no longer required, our employees have the choice of wearing a mask. We will respect our members' choice to wear or not wear a mask while they are visiting our branches.

Click here for our Branch Safety Plan.

Branch hours

  • Monday to Friday: 9:30am to 5pm
  • Saturdays: 9:30am to 4pm  

There is no need to book an appointment to come to a branch. However, if you have something you need that you think will take longer than a standard transaction, you have the option to call our Member Hub to book an appointment: 604-419-8888.

Member Hub hours

  • Monday to Friday: 7am to 7pm
  • Saturdays: 8am to 4pm

Government support for individuals

See the following websites for information on accessing government support:

Government support for businesses

Canada Emergency Business Account (CEBA)

The deadline for new and expansion CEBA program loans was June 30, 2021. Please visit for further details.

In April 2020, the Government of Canada launched the Canada Emergency Business Account (CEBA), intended to assist small business and not-for-profits experiencing economic impact resulting from the COVID-19 pandemic. Qualifying business could access up to $60,000 in interest-free loans to cover Non-Deferrable Expenses.    

CEBA loans are interest free until December 31, 2022 and charge 5% per annum interest starting on January 1, 2023. If the outstanding principal, other than the amount of potential debt forgiveness, is repaid by December 31, 2022, the remaining principal amount will be forgiven, provided no default under the loan has occurred.

Repaying the outstanding balance of the loan (other than the amount available to be forgiven) on or before December 31, 2022 will result in a single tranche of loan forgiveness up to $20,000:

  • 25% on the first $40,000; plus
  • 50% on amounts above $40,000 and up to $60,000.

If $60,000 is borrowed, no forgiveness is available unless $40,000 is repaid. If $40,000 or less is borrowed and 75% of the borrowed amount is paid, the remaining 25% (up to $10,000) is available for forgiveness. For additional information on the CEBA program or CEBA loan forgiveness, please visit   

Other support initiatives for businesses

BC Government support for small businesses, non-profits, contract workers and self-employed individuals

The provincial government has outlined a number of services to assist small businesses, non-profits, contract workers and self-employed individuals. Please see their website for more information:


How to do your banking from home

As a member, you have many alternative ways to do your banking from the comfort of your home:

Please see this page for more information on doing your banking from home.

Be cautious of fraud

We would like to remind you to protect yourself from fraud, and in particular, be wary of phishing emails. Avoid clicking on links in emails from unknown senders. Take time to review your bank statements on a regular basis.

Never give out personal information to someone who calls you on the phone. Gulf & Fraser will never call you to ask you for your personal information. It is only when you call us that we will ask you to verify your identity.


Gulf & Fraser follows the guidelines set by our local health officials, experts and government leaders as they work to contain the virus. You can learn more about COVID-19 guidelines and protocols at the following websites:

Thank you for your trust.

We want to thank our members for your trust in Gulf & Fraser. Our goal is to remain transparent and provide you with regular updates through social media and here on our website.