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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) | 0.25% |
| on this portion ($1,000,000 and over) | 0.25% |
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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