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.

Business Owner Protection

Payment protection insurance is an affordable way to protect your business loans, lines of credit, or mortgages. It ensures your business can continue to operate, generate revenue, and it pays off existing debts if the unthinkable were to happen.

We partner with CUMIS^® to provide a comprehensive payment protection insurance for business owners.

Business Owner Protection Benefits

Protect company assets
Safeguard employee salaries
Uphold your credit rating and protect your personal savings
Receive coverage in case of sickness, injury, death, or critical illness
Support your loved ones in unforeseen circumstances

Even if you already have insurance, it’s a good idea to evaluate your current coverage. Payment protection insurance is designed to complement your personal life insurance policy. Don’t sacrifice your personal financial safety net by using an existing life insurance policy to pay off business debt.

Business Owner Protection Options

Life Insurance

Protect your business and your loved ones from the financial stress of making payments during a difficult time. Life Insurance can help pay any outstanding, insured-loan balances tax-free in the event of your death.

Critical Illness Insurance

Keep your business operations moving and protect your cash flow and employees while you’re recovering.

Disability Insurance

If you’re sick or injured, disability insurance works to pay your insured monthly payment tax-free and protects your assets and credit rating.

Business loan / line of credit / mortgage insurance coverage is optional and is underwritten and provided by CUMIS Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. CUMIS® is a trademark of CUMIS Insurance Society, Inc.