Accounts
Earn competitive interest on every dollar and grow your business savings accounts that give you:

Tiered rates for larger deposits, starting at $100K

100% deposit guarantee

No minimum balance requirement
Keep your business running smoothly with flexible day-to-day chequing accounts that give you:

Low fees

Free deposits

Daily interest
Save the world and your money too with chequing and savings accounts designed for registered not-for-profit organizations.

Low fees

Earn interest on every dollar, tiered rates start at $100K

No minimum balance requirement
Local, low-cost chequing and savings accounts for clubs, community organizations, and places of worship.

Low fees

Earn interest on every dollar, tiered rates start at $100K

No minimum balance requirement
Manage your business accounts your way with easy and effortless banking options including:

Online banking options for every business size

Dedicated business tellers at every branch
Investing
- All Investing
- Guaranteed Investment Certificates (GIC)
Get expert advice so you can invest with confidence and take your business to the next level.

Earn a guaranteed rate of return

100% deposit guarantee

Available in both Canadian and U.S. funds
Borrowing
Grow your business with flexible financing for retail, manufacturing, and every business venture in-between.

Competitive lending rates

No pre-payment penalties

Flexible payment options
Expand your facilities, purchase land, or consolidate debt with mortgages for commercial, retail, and agricultural members.

Competitive interest rates

Flexible payment options

Your choice of terms
Cover day-to-day operating costs and control your cashflow with a line of credit designed for your business

Competitive lending rates

Earn interest on positive balances

Only pay interest on what you use
Credit Cards
For business owners who want an affordable card with convenience, rewards, and premium privileges.

Perfect for small-business owners looking for the convenience and flexibility of credit while keeping cost low.

Earn cash rewards on your everyday business purchases and there’s no cost for additional cards.
More Services
Pay staff and suppliers, accept money from customers, and transfer funds to accounts at other financial institutions.

Safe, smart, and cost-effective

Audit trail of all transactions

Compatible with most accounting software
Manage your business with an affordable suite of merchant services, including:

Point-of-sale terminals that accept all major credit cards, Interac^® debit, and gift cards

Mobile Pay Plus and e‑commerce platforms

Gift card and loyalty solutions
Protect your business and your loved ones should the unforeseen occur.

Protect company assets including inventory, real estate, equipment, and cash reserves

Safeguard your employees’ salaries and uphold your credit rating

Receive coverage in case of sickness, injury, death, or critical illness

Debit cards at Verifone POS terminals

Please be advised that some members may have their credit or debit card declined when making purchases at some point of sale terminals. This issue is affecting multiple financial institutions, and is a result of an issue with the merchant's point of sale terminal, not the debit card itself. If you experience an issue with your card, you can:
* Pay through contactless transaction, splitting your transaction in two if necessary
* Enable Google Pay, Samsung Pay, or Apple Pay on your mobile phone.

Learn more about this issue on the Interac website.

MEMBER CARD^® Debit Card

Your SCU business account comes with a MEMBER CARD^® debit card, which allows you to perform several banking transactions at any Interac^®, Acculink**, Maestro^®, or Cirrus^® ATM in the world. Your debit card is required for access to SCU Direct^® online services, the SCU mobile app, mobile banking, mobile web, CU BY PHONE^®, and to conduct Interac e-transfer^†

Interac Debit

Pay for business purchases automatically, at retailers or suppliers that offer payment by debit. Simply swipe your card and enter your PIN (personal identification number) when prompted. At retailers that offer Interac Flash^® (typically for purchases below $100), you can tap your Member Card on the card reader to pay for your purchase.

Feel free also to use your Member Card for debit payment in the United States, with no need to carry American cash or traveller’s cheques, or depend on just your credit card. Your US transactions will appear on your monthly statement as the Canadian equivalent, converted at the time of processing.

ATM Surcharge-Free

Your Member Card also gives you access to over 1,800 surcharge-free ABMs across Canada. This national network of ding free^® ATMs allows you to do your banking without surcharges anywhere you see the ding free^® logo. Get the ding free locator app today by visiting ding-free.ca.

Interac Zero Liability Policy

The Interac Zero Liability Policy ensures you’re not liable for any losses resulting from unauthorized transactions using Interac debit services*. Protection applies to losses resulting from circumstances beyond the cardholder’s control.

If you suspect fraudulent charges, please call 1.800.728.6440 during regular SCU business hours. Outside of business hours, please call 1.888.277.1043.

Change your PIN anytime

If you know your existing PIN, you may change it anytime you like at any SCU branch or credit union ATM that displays the Acculink** symbol.

*Interac Debit, Interac Flash, Interac Cash, Interac Online, and Cross-Border Debit. Some conditions apply.
**Acculink is a registered trademark owned by Credit Union Central of Canada and is used under license.
^†INTERAC e-Transfer is a registered trademark of Interac Inc., used under license.
®MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.