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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 effortlessly with 24/7 access through ACU’s online banking and mobile app. Enjoy free intra-account transfers via online, mobile, and telephone banking, ensuring your funds are always within reach when you need them.
  • Security: Your business savings are safeguarded with robust security measures, including industry-standard encryption and secure login options.
  • 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 Chequing Account

Keep it simple with a business chequing account that only charges you for the transactions you make.

  • $5 monthly fee
  • 1 free monthly transaction per $500 minimum monthly balance
  • Free intra-account transfers with online and mobile banking
  • Free pre-authorized credits
  • Free printed or electronic monthly statements with cheque images
  • Free account deposit books
  • Night deposit access available
  • Overdraft protection and line of credit available upon qualification

Choose the Basic Business Chequing Account you're a small business that does not make payments frequently and want to pay for only the transactions you make.

Open account

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Business 25 Chequing Account

A simple everyday business chequing account to let you focus on your bottom line.

  • $16 monthly fee
  • 25 free monthly transactions
  • Free intra-account transfers with online and mobile banking
  • Free pre-authorized credits
  • Free printed or electronic monthly statements with cheque images
  • Free account deposit books
  • Night deposit access available
  • Overdraft protection and line of credit available upon qualification

Choose the Business 25 Chequing Accunt if you're a smaller business that uses your account moderately throughout the year.

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More details

Business 75 Chequing Account

Easy everyday banking with 75 free monthly transactions.

  • $45 monthly fee
  • 75 free monthly transactions
  • Free intra-account transfers with online and mobile banking
  • Free pre-authorized credits
  • Free printed or electronic monthly statements with cheque images
  • Free account deposit books
  • Night deposit access available
  • Overdraft protection and line of credit available upon qualification

Choose the Business 75 Chequing Account if you're a business that transacts regularly online and in-branch.

Open account

More details

Business 125 Chequing Account

A convenient business chequing account with 125 free transactions for your growing your business.

  • $75 monthly fee
  • 125 free monthly transactions
  • Free intra-account transfers with online and mobile banking
  • Free pre-authorized credits
  • Free printed or electronic monthly statements with cheque images
  • Free account deposit books
  • Night deposit access available
  • Overdraft protection and line of credit available upon qualification

Choose the Business 125 Chequing Account if you're a growing business that performs a fair number of transactions each month.

Open account

More details

Business 200 Chequing Account

This business chequing account with 200 free monthly transactions is perfect for businesses that bank often and maintain high account balances. 

  • $120 monthly fee
  • 200 free monthly transactions
  • Monthly package service fee waived with minimum monthly balance of $30,000
  • Free intra-account transfers with online and mobile banking
  • Free pre-authorized credits
  • Free printed or electronic monthly statements with cheque images
  • Free account deposit books
  • Night deposit access available
  • Earn daily interest on your closing balance
  • Overdraft protection and line of credit available upon qualification

Choose the Business 200 Chequing Account if you're business regularly performs a large number of transactions and maintain high account balances.

Open account

More details

Community Builder Chequing Account

Convenient, simple business chequing account for small not-for-profit organizations, clubs and charities. No monthly fee, so you can focus your resources on helping and supporting your community.

  • No monthly fee
  • 5 free monthly transactions, plus 1 extra transaction per $200 minimum monthly balance
  • Free intra-account transfers with online and mobile banking
  • Free pre-authorized credits
  • Free printed or electronic monthly statements with cheque images
  • Free account deposit books
  • Night deposit access available
  • Earn daily interest on your closing balance
  • Overdraft protection and line of credit available upon qualification

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

Open account

More details

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U.S. Business Chequing Account

Doing business south of the border? Simplify your everyday banking with a U.S. business chequing account.

More details

Open account

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

Fees

Basic Business service charges ($5.00/month package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $0.75
Deposit (ATM) $0.75
Debit card purchase $0.75
Pre-authorized payment debit $0.75
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $0.75
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $0.75
Deposit (in-branch or night deposit) $0.75
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfers®  $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free
 
*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and foreign exchange rates page for current rates.
 
Note: Fees are subject to change without notice at any time.

Business 25 Chequing Account

Fees

Business 25 service charges ($16.00/month package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $0.90
Deposit (ATM) $0.90
Debit card purchase $0.90
Pre-authorized payment debit $0.90
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $0.90
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $0.90
Deposit (in-branch or night deposit) $0.90
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfers® $1.00
Bill payment (in branch) $1.50
Mobile deposit Free
 
 
*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and foreign exchange rates page for current rates.
 
Note: Fees are subject to change without notice at any time.

Business 75 Chequing Account

Fees

Business 75 service charges ($45.00/month package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $0.90
Deposit (ATM) $0.90
Debit card purchase $0.90
Pre-authorized payment debit $0.90
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $0.90
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $0.90
Deposit (in-branch or night deposit) $0.90
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfers®  $1.00
Bill Payment (in-branch) $1.50
Mobile deposit Free
 

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and foreign exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.

Business 125 Chequing Account

Fees

Business 125 service charges ($75.00/month package fee)
Electronic transactions
Withdrawal (ACU or credit union ATM) $0.90
Deposit (ATM)
 $0.90
Debit card purchase
 $0.90
Pre-authorized payment debit $0.90
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $0.90
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $0.90
Deposit (in-branch or night deposit) $0.90
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfers®  $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free
 
*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and foreign exchange rates page for current rates.
 
Note: Fees are subject to change without notice at any time.

Business 200 Chequing Account

Interest

Interest is calculated on the daily closing balance using a tiered system, and paid on the last day of each month.
 
Balance Rate
on this portion ($0 - $24,999 0.00%
on this portion ($25,000 - $49,999) 0.10%
on this portion ($50,000 - $99,999) 0.10%
on this portion ($100,000 - $249,999) 0.20%
on this portion ($250,000 - $499,999) 0.25%
on this portion ($500,000 - $999,999) 0.25%
on this portion ($1,000,000 and over) 0.25%
 
Note: Interest rates are subject to change without notice at any time.
 

Fees

Business 200 service charges ($120.00/month package fee)
Electronic transactions
Withdrawal (ACU or credit union ATM) $0.90
Deposit (ATM)
 $0.90
Debit card purchase
 $0.90
Pre-authorized payment debit $0.90
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $0.90
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $0.90
Deposit (in-branch or night deposit) $0.90
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfers®  $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free
 
*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and foreign exchange rates page for current rates.
 
Note: Fees are subject to change without notice at any time.

Community Builder Chequing Account

Interest

Interest is calculated on the daily closing balance using a tiered system, and paid on the last day of each month.
 
Balance Rate
on this portion ($0 - $999) 0.00%
on this portion ($1,000 - $2,999) 0.00%
on this portion ($3,000 - $4,999) 0.00%
on this portion ($5,000 - $9,999) 0.10%
on this portion ($10,000 - $24,999 0.10%
on this portion ($25,000 - $49,999) 0.20%
on this portion ($50,000 - $74,999) 0.20%
on this portion ($75,000 - $99,999) 0.25%
on this portion ($100,000 and over) 0.25%
 
Note: Interest rates are subject to change without notice at any time.
 

Fees

Community Builder service charges (no monthly fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $0.50
Deposit (ATM)
 $0.50
Debit card purchase
 $0.50
Pre-authorized payment debit $0.50
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $0.50
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $0.70
Deposit (in-branch or night deposit) $0.70
Additional services:
ATM withdrawal (Interac) $1.50
Interac e-Transfers® $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free
 
*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and foreign exchange rates page for current rates.
 
Note: Fees are subject to change without notice at any time.

U.S. Business Chequing Account

Fees

U.S. Business service charges ($5.00/month package fee)
Electronic transactions:
Pre-authorized payment debit $1.00
Pre-authorized credit Free
Intra-account USD/CAD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $1.00
Deposit (in-branch or night deposit) $1.00
 

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and foreign exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.

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Have questions? We're here to help.

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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