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
- 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
- $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
- $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
- $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
- $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
Business chequing fees and rates
Interest
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% |
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 |
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 |
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 |
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 |
Interest
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% |
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 |
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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