Valley First


At Valley First, we believe you should have access to your money when and where you want it—ding-free. That's why we belong to one of the largest Canada-wide ATM networks that doesn't charge credit union members for using an ATM.

Lost or Stolen MemberCard®?

Simply call 1-866-955-8111
This service is available 24/7.


It's simple—no ATM surcharge fees

As a member, you can use your Member Card® debit card at any ATM displaying THE EXCHANGE® or ACCULINK® logo, with no additional fees.

THE EXCHANGE® network is one of the largest full-service ATM networks in the province, including all BC credit unions, HSBC, and National Bank of Canada. This means that as a member, you can access your money when and where you want, without being 'dinged' with a surcharge. A surcharge is simply a fee that the owner of the ATM charges you for using their machine.

How large is large?

THE EXCHANGE® and ACCULINK® networks, provide you with access to over 4,500 ATMs Canada-wide.


Member Card® features

  • ATM access

    • Withdrawals
    • Deposits
    • Transfers
    • Balance inquiries for accounts and credit cards
    • English and French language options
    • PIN change option
  • Chip card enabled
    An embedded microchip on your Member Card® debit card to encrypt information, making it more difficult for unauthorized users to copy or access the data on your card.
  • Point-of-sale purchases
    Safer than carrying cash and allows you to use your Member Card® debit card with retailer terminals to pay for goods and services on-site with ease.

Need a Member Card® debit card?

If you're a member and you don't have a Member Card® debit card, simply visit any one of our branch locations and we'll be happy to provide you with one so you too can start enjoying the freedom of 'ding-free' ATM service.

Protect yourself

It is important that you protect the confidentiality of your Member Card® debit card Personal Identification Number (PIN) so that you are not at risk of debit card fraud.

®ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.
®THE EXCHANGE is a registered trade-mark of Fiserv Inv., licensed for use in Canada by FICANEX Services Limited Partnership.
®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.
®MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.

Want to be ding-free? Opening an account with us is simple!


Contact us online to apply for a new business account—our approval process is quick and simple.

In Person

If you're more comfortable coming in to see us, we'd be happy to open a new business account for you or make changes to your existing account with us.

By Phone

If you’d like to call us, here is a complete list of our branch and insurance office numbers.