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Business Savings Accounts

Flexible savings options that help your business build for the future, while staying ready for what’s next.

Sometimes you need to save money to make money.

Strengthen your business’ financial foundation and plan for long-term success with a business savings account from ACU. Keeping your business and personal finances separate not only helps with organization and budgeting—it’s also essential for clear financial reporting and tax preparation. With an ACU business savings account, you can easily manage your cash flow, set aside funds for future expenses, and transfer money between your business accounts with ease.

Maximize your company’s earning potential by putting extra funds into a high-interest business savings account. Your money will grow safely while remaining accessible whenever you need it. Enjoy 24/7 access to your account through ACU’s secure online and mobile banking platforms—making it simple to stay in control of your finances, no matter where business takes you.

Enjoy benefits like:

  • Flexibility: ACU offers a variety of business savings accounts to meet different organizational needs. Whether you're managing excess operational funds or seeking higher interest rates for surplus cash, ACU accounts provide solutions to support your short- and long-term financial goals. 
  • 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 savings 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 savings accounts

Business Savings

A simple and convenient savings account for your everyday business needs.

$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)
  • Earn daily interest on your closing balance 

Choose Business Savings if your business has extra funds and wants simple, everyday access while earning interest.

More details

To open this account, book an appointment

Business High Rate Savings

Maximize your earnings without sacrificing flexibility—perfect for businesses that maintain a consistent cash surplus.

$0.00 Monthly Fee

Features

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

Choose Business High Rate Savings if your business has additional funds not needed for daily operations and wants to earn higher interest, even with a low balance.

More details

To open this account, book an appointment

Monthly High Rate Savings

Put that extra cash to work. Benefit from our highest interest on your lowest balance each month.

$0.00 Monthly Fee 

Features

  • 1 free transaction per month. This includes self‑serve and full‑serve transactions.
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)
  • Earn interest on your lowest monthly balance

Choose Monthly High Rate Savings if your business or organization wants to maximize growth with our highest interest rate on funds you won’t need in the short term - and has a deposit to make when opening the account.

More details

To open this account, book an appointment

Community High Rate Savings

Maximize your earnings without sacrificing flexibility—perfect for organizations that maintain a consistent cash surplus.

$0.00 Monthly Fee

Features

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

Choose Community High Rate Savings if your organization wants full access to its funds while earning higher interest on every dollar.

More details

To open this account, book an appointment

Account details and fees

Business Savings Account

A simple and convenient savings account for your everyday business needs.

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 N/A
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 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 will apply.
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.

Monthly High Rate Savings Account

Put that extra cash to work. Benefit from our highest interest on your lowest balance each month.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee) N/A
Number of FREE Transactions 1
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $2.00
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $2.00
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $2.00
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ $2.00
Member to Member Transfers (Online, Mobile) $2.00
Pre-authorized Credit FREE
Pre-authorized Debit $2.00
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) $2.00
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 Monthly⁸
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 on the lowest monthly balance 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.

Business High Rate Savings Account

Maximize your earnings without sacrificing flexibility—perfect for businesses that maintain a consistent cash surplus

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee) N/A
Number of FREE Transactions 1
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $2.00
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $2.00
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $2.00
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ $2.00
Member to Member Transfers (Online, Mobile) $2.00
Pre-authorized Credit FREE
Pre-authorized Debit $2.00
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) $2.00
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.

Community High Rate Savings Account

Maximize your earnings without sacrificing flexibility—perfect for organizations that maintain a consistent cash surplus. 

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee) N/A
Number of FREE Transactions 1
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $1.50
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $1.50
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $1.50
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ $1.50
Member to Member Transfers (Online, Mobile) $1.50
Pre-authorized Credit FREE
Pre-authorized Debit $1.50
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) $1.50
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.
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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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