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Business Chequing Accounts

Every business is different, and yours is no different :)

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

  • Open a business chequing account to pay bills, deposit funds, make and receive payments, manage taxes, access business financing, and build your business credit score
  • Manage your cash flow anywhere, anytime with ACU online and mobile banking
  • Get expert advice and support from our dedicated Business Account Managers
Community Builder
Convenient, simple banking for small not-for-profit organizations, clubs and charities. No monthly fee, so you can focus your resources into 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
Basic Business
Keep it simple with an 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

Business 25
A simple everyday 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
Business 75
Easy everyday banking with 75 free monthly transactions to help you manage your business better.

  • $45 monthly fee
  • 75 free monthly transactions
  • 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
Business 125
A convenient business account with 125 free transactions to free up your time and concentrate on 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

Business 200

This account is perfect for businesses who bank often and maintain high account balances. Includes 200 free monthly transactions.


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

Business chequing fees and rates 

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.

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.

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.

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.



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.

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) 0.20%
on this portion ($100,000 - $249,999) 0.25%
on this portion ($250,000 - $499,999) 0.30%
on this portion ($500,000 - $999,999) 0.40%
on this portion ($1,000,000 and over) 0.65%

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.

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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