Effective March 2, 2026, updates to our Business and Community Chequing Accounts will take effect. Learn more about these changes.
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Every business is unique, and yours is no different.

Choose from a range of flexible business chequing accounts from ACU for easy, efficient everyday banking.

Every business is unique, and yours is no different. 

Simplify your everyday banking with a flexible business chequing account from Assiniboine Credit Union (ACU). Whether you're paying bills, depositing funds, managing taxes, or building your business credit, ACU’s chequing solutions are designed to support your day-to-day operations with ease and efficiency. You can also access a full suite of business banking services, including payment processing and financing options, all from one account.

Stay in control of your cash flow anytime, anywhere with secure access through ACU’s online and mobile banking platforms. Plus, you’ll have the support of our knowledgeable Business Account Managers, who are here to provide expert advice tailored to your organization’s unique goals and challenges.

Enjoy benefits like:

  • Flexibility:  ACU offers a range of business chequing accounts to suit the size and structure of your organization. Whether you need unlimited transactions, low monthly fees, or tailored features for nonprofits and larger enterprises, there’s an account designed to match your everyday banking needs and support your business as it grows. 
  • Accessibility: Manage your business finances anytime, anywhere with ACU’s mobile app, online banking, and thousands of ding free® ATMs across Canada.
  • Security: Your business account is protected with industry-standard encryption, secure login options, and customizable alerts that help you stay on top of your banking activity.
  • Peace of mind: Deposits are 100% guaranteed by the Deposit Guarantee Corporation of Manitoba.
  • Community impact: When you bank with ACU, your money is doing more by helping to support values-based initiatives that strengthen communities across Manitoba.
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ACU business chequing accounts

Basic Business

No monthly fee - Keep it simple with a business chequing account that only charges you for the transactions you use.

$0.00 Monthly Fee

Features

  • Pay as you go
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)

Choose Basic Business if your business banks occasionally and wants to pay only for what it uses.

More details

 To open this account, book an appointment

Business 30

A budget-friendly plan for everyday business banking.

$17.00 Monthly Fee

Features

  • 30 free transactions per month. This includes self‑serve and full‑serve transactions.
  • 5 free Interac® e-Transfers per month
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)

Choose Business 30 if your business makes a moderate number of transactions and wants the flexibility of both self serve and full serve banking.

More details

To open this account, book an appointment 

Business 75

An all‑in‑one plan designed for businesses that need more included transactions and added flexibility.

$40.00 Monthly Fee

Features

  • 75 free transactions per month. This includes self‑serve and full‑serve transactions.
  • 5 free Interac® e-Transfers per month
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)

Choose Business 75 if your business transacts regularly and needs more included transactions each month.

More details

To open this account, book an appointment

Business 150

For businesses that bank often and maintain high account balances.

$70.00 Monthly Fee

Monthly fee waived with a minimum monthly balance of $75,000

Features

  • 150 free transactions per month. This includes self-serve and full-serve transactions.
  • 5 free Interac® e-Transfers per month
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)
  • Earn daily interest on your closing balance

Choose Business 150 if your business conducts frequent, higher volume transactions and maintains high account balances.

More details

To open this account, book an appointment

Community Builder (Chequing)

An account built for small not-for-profit organizations, clubs and charities.

$0.00 Monthly Fee

Features

  • 30 free transactions per month. This includes self‑serve and full‑serve transactions.
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)
  • Earn daily interest on your closing balance

Choose ACU Community Builder if you're a nonprofit, social enterprise, foundation, charity or club.

More details

To open this account, book an appointment

US Business

Simplify your cross-border banking with a U.S. business account.

$0.00 Monthly Fee

Features

  • Pay as you go
  • Free self-serve transfers between accounts
  • Free deposits (pre-authorized credits, in-branch and night deposit)
  • Earn daily interest on your closing balance 

Choose US Business if you want to protect your U.S. dollar funds from exchange rate fluctuations.

More details

To open this account, book an appointment

Business lines of credit built for your business.

Get access to funds on demand to manage your short-term cash flow. Combined with an ACU business chequing account, an ACU line of credit keeps your business running smoothly, day in and day out. Work with our Business Financial Centre to get expert advice on business lines of credit and cash flow management tools. 

ACU Member Kilter Brewing Co. - Brewery ACU Member Kilter Brewing Co. - Owner of Kilter

Is overdraft protection right for me?

Overdraft protection is a short-term safeguard in case you spend more than the balance in your chequing account, up to a pre-arranged limit. It gives you peace of mind, knowing you’re protected from costs like non-sufficient funds (NSF) fees or returned cheques.

With overdraft protection you’ll be charged a standard interest rate, but only on the funds you use. Repayment is easy—as soon as you make a deposit to your chequing account, it will be applied to the overdrawn balance.

Call or visit a branch to add overdraft protection to your chequing account today.

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Account details and fees

Basic Business Chequing Account

Only be charged for what you use.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions Pay as you go
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque $0.90
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁶
 $2.00
Cirrus® ATM Withdrawal (US/International)⁶ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁷  FREE
Interest N/A
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 Business deposits must be made at an ACU ATM machine.
3 Includes immediate, scheduled and recurring bill payments.
4 ATM and Telephone Banking transfers are not available with the USD account.
5 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
6 The withdrawal counts as a transaction. In addition to this fee, a transaction fee will apply.
7 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Business 30 Chequing Account

A budget-friendly plan for everyday business banking.

Fees

Monthly Fee $17.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions 30
Number of FREE Interac® e-Transfer (send/Request Money¹)² 5
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit³ FREE
Bill Payment (Online, Mobile, Telephone)⁴ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁵)⁶ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque $0.90
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁷ 
 $2.00
Cirrus® ATM Withdrawal (US/International)⁷  $3.50
Interac® e-Transfer (send/Request Money¹)² 5 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁸ FREE
Interest N/A
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 $1.00 is charged in real-time and refunded at the end of the month up to 5 free e-Transfers or Request Money Transactions included with your account.
3 Business deposits must be made at an ACU ATM machine.
4 Includes immediate, scheduled and recurring bill payments.
5 ATM and Telephone Banking transfers are not available with the USD account.
6 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
7 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions.
8 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Business 75 Chequing Account

All in one easy, budget-friendly monthly plan.

Fees

Monthly Fee $40.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions 75
Number of FREE Interac® e-Transfer (send/Request Money¹)² 5
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit³ FREE
Bill Payment (Online, Mobile, Telephone)⁴ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁵)⁶ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque $0.90
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁷ 
 $2.00
Cirrus® ATM Withdrawal (US/International)⁷   $3.50
Interac® e-Transfer (send/Request Money¹)² 5 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁸ FREE
Interest N/A
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 $1.00 is charged in real-time and refunded at the end of the month up to 5 free e-Transfers or Request Money Transactions included with your account.
3 Business deposits must be made at an ACU ATM machine.
4 Includes immediate, scheduled and recurring bill payments.
5 ATM and Telephone Banking transfers are not available with the USD account.
6 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
7 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions.
8 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Business 150 Chequing Account

For businesses that bank often and maintain high account balances.

Fees

Monthly Fee $70.00
Minimum Monthly Balance to Waive Monthly Fee $75,000
Number of FREE Transactions 150
Number of FREE Interac® e-Transfer (send/Request Money¹)² 5
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit³ FREE
Bill Payment (Online, Mobile, Telephone)⁴ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁵)⁶ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque $0.90
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁷ 
 $2.00
Cirrus® ATM Withdrawal (US/International)⁷  $3.50
Interac® e-Transfer (send/Request Money¹)² 5 FREE; $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁸ FREE
Interest Daily⁹
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 $1.00 is charged in real-time and refunded at the end of the month up to 5 free e-Transfers or Request Money Transactions included with your account.
3 Business deposits must be made at an ACU ATM machine.
4 Includes immediate, scheduled and recurring bill payments.
5 ATM and Telephone Banking transfers are not available with the USD account.
6 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
7 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions.
8 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
9 Interest is calculated daily and paid monthly.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Community Builder Chequing Account

A business account built for small not-for-profit organizations, clubs and charities.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions 30
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $0.75
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.75
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $0.75
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.75
FULL-SERVE
Cheque $0.75
Debit (Withdrawal, Transfer) $0.75
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁶
 $2.00
Cirrus® ATM Withdrawal (US/International)⁶ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁷ FREE
Interest Daily⁸
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 Business deposits must be made at an ACU ATM machine.
3 Includes immediate, scheduled and recurring bill payments.
4 ATM and Telephone Banking transfers are not available with the USD account.
5 Cross-currency transfers between USD and CAD accounts are only available
through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
6 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions.
7 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
8 Interest is calculated daily and paid monthly.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

US Business Chequing Account

Simplify your cross-border banking with a US business account.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions Pay as you go
Number of FREE Interac® e-Transfer (send/Request Money) N/A
SELF-SERVE
Point of Sale N/A
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) N/A
ATM Deposit N/A
Bill Payment (Online, Mobile, Telephone) N/A
Transfers Between Accounts (Online, Mobile, Telephone, ATM¹)²  FREE
Member to Member Transfers (Online, Mobile) N/A
Pre-authorized Credit FREE
Pre-authorized Debit $1.25
FULL-SERVE
Cheque $1.25
Debit (Withdrawal, Transfer) $1.25
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)
 N/A
Cirrus® ATM Withdrawal (US/International) N/A
Interac® e-Transfer (send/Request Money) N/A
Bill Payment (In branch) N/A
eStatements FREE
Mobile Deposit N/A
Deposit Books³ FREE
Interest N/A
1  ATM and Telephone Banking transfers are not available with the USD account. 
2  Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre. 
3 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.
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Whether you're looking for more information or need guidance on your next financial move, our team is ready to support you. Reach out and let us know how we can assist.

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