Vancity vs Zirtue: Lend & Borrow Money Utilisation & Stats
As a values-based financial co-operative, Vancity is committed to transforming how banking is done so we can help our members and their local communities thrive financially, socially and environmentally.
Our full-service mobile banking app allows you to:
See balances instantly with QuickView
Check your account balances without logging in.
Log in to your accounts quickly with Touch ID® and 3D-Touch®
If your phone supports TouchID (find in Settings), you can quickly access your accounts using just your fingerprint. Use 3D-Touch (long press on the app icon) to go directly to transfers, bill payments or Vancity Mobile Deposit™.
Deposit cheques on the go
With Vancity Mobile Deposit, you can deposit a cheque within the app by taking a picture. Save time and avoid a trip to the branch or ATM.
View Vancity enviro Classic Visa* and enviro Gold™ Visa transactions and balances.
Cardholders can see both pending and posted transactions, balances and reward points in the app.
Find the nearest ding-free® ATM or Vancity community branch
Enjoy ding-free access to over 4,000 ATMs Canada-wide including all credit union ATMs. Locate one of our community branches or ATMs in the app.
Get a Fair & Fast Loan™ in less than 10 minutes
Unexpected expenses can happen to anyone. We may be able to help you get back on your feet with $100 - $2,500 in your account, in as little as 10 minutes. No fees, no hassle.
Pay your bills and add new payees on the go
Pay your bills easily and on time by scheduling in advance. Manage your bill payees from within the app.
Request, send and receive funds with INTERAC e-Transfers®
No need to run to the ATM to pay back a friend. It can all be done through an INTERAC e-Transfer®. Plus register for Autodeposit within the app.
Messaging and Alerts
Messages and epost™ mail can be accessed through their icons on the home screen. Financial reminders are accessible under Alerts and displayed under the Received tab.
Safety & Security
We’re committed to keeping your personal and financial information safe and protecting your security no matter how you choose to bank with us. For us, security means safeguarding your personal and financial information and working with you to prevent fraud, theft and other scams that could lead to losses.
*Trademark of Visa Int., used under license.
®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.
®Trade-mark of Interac Inc. Used under license.
®MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.
®Touch ID is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Apple Inc. is not a sponsor or participant of Mobile Banking or Vancity Mobile Deposit for Vancity Credit Union.
Good Money, enviro, Make Good Money, Vancity Mobile Deposit, Vancity Fair & Fast Loan, Vancity, Vancity Make Good Money & Design, and Vancity Design are trademarks of Vancouver City Savings Credit Union.
IOS® is a registered trademark of Cisco Systems, Inc. and/or its affiliates in the United States and certain other countries.
epost™ is a trademark of Canada Post Corporation.
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Remember the last time money and loved ones mixed? Yeah – us too. It’s no secret that borrowing or lending money with someone you care about can make things… weird.
With Zirtue, you can manage your money and your relationships all in one place. We make IOUs with a friend or family member far less awkward. Here’s how:
Transparency: Details of the loan and the repayment plan are clearly broken down for complete clarity.
Billpay: Money goes straight to a bill-pay service partner and not the borrower’s pockets.
Flexibility: Set up auto-repay with a plan that works for you – not against you
Relationships: Helping you set up a plan so you can focus on your relationship instead
Download the app to create an IOU with someone you trust and get your bills paid – without the awkwardness. There are no fees, no interest and the money goes straight to a bill-pay service partner to pay for bills.
With Zirtue you can…
Avoid loan sharks and sky-high interest
Borrow money without a negative impact to your credit score
Create a repayment plan that works for you (from 3 months - 36 months)
Get your bills paid in 3 simple steps…
1.) Sign up - Open a free Zirtue account and verify your identity.
2.) Connect your bill - Connect your bill using your provider’s account number.
3.) Request and repay - Send the IOU request to someone you trust. Pay them back on your terms with Auto-pay.
So, there’s really no interest?
Nope! The Interest paid to your lender (friend, family member, or trusted peer) is 0% APR. So, if you borrow $1,000 over a 10-month period with no interest (0%), your monthly payments would be $100 per month with a total loan cost of $1,000.
How it’s working for Jane (an example based on a true story)…
Jane hit a tough spot financially and came home to her utility bill in the mail – $350. If she didn’t pay in full, her services would’ve been cut off. She considered going to pay payday lender or getting cash advance, but the interest rates would’ve left her off worse. She figured her mom would help her. So, she used Zirtue to borrow the money and set up a repayment plan with her mom. Through Zirtue, Jane is repaying the $350 over a 10-month period with no interest (0%) at $35/month. So, Jane’s total loan cost is still just $350.
The fine print:
Zirtue itself is not a lender. Zirtue is the world’s first relationship-based, peer-to-peer lending application with direct payments to creditors. Zirtue simplifies loans between friends, family, and trusted relationships by turning informal promises into structured agreements with an automated repayment process. There are no fees to use Zirtue. Both the lender and borrower must agree to loan terms. Zirtue, LLC (the "Zirtue"), knows that you care about how your personal information is used and shared, and we take your privacy seriously. We're serious about security and use cutting-edge technology to ensure your personal information is fully encrypted and securely stored. For more information, see our Terms and Privacy Policy.
https://zirtue.com/legal
https://zirtue.com/privacy-policy
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Vancity VS. 
Zirtue: Lend & Borrow Money11écembre d, 2024