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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 business chequing account 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 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

Business 25
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
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 chequing 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 business chequing 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 chequing 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) 0.10%
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) 0.35%
on this portion ($1,000,000 and over) 0.45%

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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