ACU_BCorp_Tagline_RGB_FullColour ACU_Digital-_RGB_Asterisk-only
Service status
Sign in
Search

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 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.
2025_PWS-3.0_Lg-text_CC-w-gradient_400-x-400_blue-orange_2 2025_PWS-3.0_Lg-text_slice_400-x-400_19

ACU business savings accounts

Business Savings Account

A simple and convenient business savings account, perfect for businesses with excess funds that aren’t being used to cover day-to-day expenses.

  • No monthly package fee
  • Free intra-account transfers with online, mobile and telephone banking
  • Free pre-authorized credits
  • Free printed or electronic monthly statements
  • Free account deposit books
  • Earn daily interest on your closing balance
  • Night deposit access available

Choose the Business Savings Account if your organization is a small business that has surplus funds and wants to keep them fully accessible.

More details

Monthly High Rate Savings Account

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

  • No monthly package fee
  • Free pre-authorized credits
  • Free printed or electronic monthly statements
  • Free account deposit books
  • Night deposit access available

Choose the Monthly High Rate Savings Account if your organization wants to maximize your savings with our highest interest rate on funds you won't access in the short term—and has a deposit to make when you open the account.

More details

Business High Rate Savings Account

This high-interest business savings account gives you a high rate of return and easy access to your money—perfect for businesses with a consistent cash surplus.

  • No monthly package fee
  • Free pre-authorized credits
  • Free printed or electronic monthly statements
  • Free account deposit books
  • Earn daily interest on your closing balance
  • Night deposit access available

Choose the Business High Rate Savings Account if your organization has additional cash you don’t require for your everyday business needs and wants to earn interest even when you keep a low balance in your account.

More details

Community High Rate Savings Account

A low-cost business savings account for community organizations. Enjoy higher interest rates without locking in your funds.

  • No monthly package fee
  • Free deposits (ATM, in-branch/night deposit)
  • Free pre-authorized credits
  • Free printed or electronic monthly statements
  • Free account deposit books
  • Earn daily interest on your closing balance
  • Night deposit access available

Choose the Community High Rate Savings Account if your organization wants funds to be fully accessible while also earning higher interest on every dollar.

More details

Account details and fees

Business Savings Account

Interest

Interest is calculated daily on your closing balance, and paid on the last day of each month.
 
Balance Rate
on entire balance 0.05%
 
Note: Interest rates are subject to change without notice at any time.
 

Fees

Business Savings service charges (no monthly 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.

Monthly High Rate Savings Account

Interest

Interest is calculated on the lowest monthly balance using a tiered system, and paid on the last day of each month.
 
Balance Rate
on entire balance ($0 - $99,999) 1.45%
on entire balance ($100,000 - $249,999) 1.55%
on entire balance ($250,000 and over) 1.65%
 
Note: Interest rates are subject to change without notice at any time.
 

Fees

Monthly High Rate Savings service charges (no monthly fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $1.25
Deposit (ATM)
 $1.25
Debit card purchase
 $1.25
Pre-authorized payment debit $1.25
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $1.25
Intra-account CAD/CAD transfer (online, mobile, telephone banking) $1.25
Intra-account CAD/USD transfer (online or mobile banking)* $1.25
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $1.25
Deposit (in-branch or night deposit) $1.25
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 High Rate Savings Account

Interest

Interest is calculated daily on your closing balance, and paid on the last day of each month.
 
Balance Rate
on entire balance ($0 - $99,999) 0.85%
on entire balance ($100,000 - $249,999) 0.95%
on entire balance ($250,000 and over) 1.05%
 
Note: Interest rates are subject to change without notice at any time.
 

Fees

Business High Rate Savings service charges (no monthly fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $1.25
Deposit (ATM)
 $1.25
Debit card purchase
 $1.25
Pre-authorized payment debit $1.25
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $1.25
Intra-account CAD/CAD transfer (online, mobile, telephone banking) $1.25
Intra-account CAD/USD transfer (online or mobile banking)* $1.25
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $1.25
Deposit (in-branch or night deposit) $1.25
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 High Rate Savings Account

Interest

Interest is calculated daily on your closing balance, and paid on the last day of each month.
 
Balance Rate
on entire balance ($0 - $99,999) 0.85%
on entire balance ($100,000 - $249,999) 0.95%
on entire balance ($250,000 and over) 1.05%
 
Note: Interest rates are subject to change without notice at any time.
 

Fees

Community High Rate Savings service charges (no monthly fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $1.00
Deposit (ATM)
 Free
Debit card purchase
 $1.00
Pre-authorized payment debit $1.00
Pre-authorized credit Free
Bill payment (online, mobile, telephone banking) $1.00
Intra-account CAD/CAD transfer (online, mobile, telephone banking) $1.00
Intra-account CAD/USD transfer (online or mobile banking)* $1.00
Full-service (in-branch) transactions:
Debit (cheque, withdrawal, intra-account transfer) $1.00
Deposit (in-branch or night deposit) Free
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.
2025_PWS-3.0__CTA_CC-w-gradient_400px-x300px_green_6

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.

Contact us