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Business Accounts

 

Banking, with your business in mind

Whether your business is big, small or somewhere in between, we have an account to fit your needs.

 
 

​Check out our accounts

Business Accounts

Ag & Business Enterprise

Enjoy access to a variety of day-to-day banking activities.
Key Features
  • Low monthly fee for the number of included transactions
  • 50 transactions included
  • Enhanced business online banking included
Monthly Fee

$25.00

e-Stride Ag & Business

Best for businesses who prefer to do their banking digitally.
Key Features
  • Unlimited electronic transactions
  • Unlimited Interac e-Transfers
  • Enhanced business online banking included
Monthly Fee

$35.00

Ag & Business Pay As You Go 

A competitively priced option for lower volume business transactions.
Key Features
  • Ideal for small number of monthly transactions
  • Low per-transaction costs
  • Flexible account, pay only for what you use
No Monthly Fee

 

Business Savings

Make your money grow, while still keeping it accessible when you need.
Key Features
  • No transaction limit, simply pay as you go
  • Keep savings accessible
  • Free e-statements
No Monthly Fee

 

High Interest Savings

Grow your funds with a higher rate of interest, when you know you won't need them for awhile.
Key Features
  • Interest accrues on the daily closing balance
  • Perfect for those once-a-year expenses
  • Higher interest than Business Savings
No Monthly Fee

 

Community Chequing

Community chequing is designed for formal and informal non-profit organizations and groups – receive access to many transactions with a monthly rebate on the fees.
Key Features
  • $1.50 e-Transfers
  • Free in-branch bill payments
  • Free transfers
Monthly Fee

Pay as you go

Fees are rebated if a $500 minimum monthly balance is maintained.

Community Savings

Community Savings is designed for formal and informal non-profit organizations and groups. Save up some extra money for different events, functions or outings.
Key Features
  • Pays interest monthly 
  • $1.50 e-Transfers
  • Free e-statements
Monthly Fee

Pay as you go

Fees are rebated if a $500 minimum monthly balance is maintained.
 

Want to see a full breakdown of our chequing account features and fees? Take a look at our Business Accounts Brochure (PDF)

 

Opening a business account is as easy as:

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Book an appointment

When you’re ready, we’ll be happy to book a chat in-branch or come to you to discuss your needs.

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Meet with an expert

Sit down with one of our account managers. You’ll need to bring a few documents (see below).

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Open your account

Once approved, stop by the branch to finalize paperwork and pick up your debit card and cheques.

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Deposit shares & go

Now all you need to do is deposit your member shares and you’re ready to go!

 
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Sole Proprietors

If you’re operating under a registered Trade Name, please bring one of the following to your appointment:    

  • Trade Name Registration     
  • Master Business License 

Partnerships

In all cases, please bring the following identification to your appointment:     

  • Name, address, occupation or nature of primary business     
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25% or more in your business
  • Name, occupation and date of birth, along with personal identification, for authorized signatories 

​General Partnership

If your business is a General Partnership, please also bring the following:

  • Partnership Registration (if applicable)
  • Partnership Agreement 

As well as one of the following if your business is operating under a registered Trade Name:

  • Trade Name Registration
  • Master Business License 

Limited Partnership

If your business is a Limited Partnership, please also bring the following:

  • Limited Partnership Agreement
  • Certificate of Limited Partnership / Declaration of Limited Partnership / Application for Registration of a Limited Partnership 

Corporations

In all cases, please bring the following identification to your appointment:

  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25% or more in your business     
  • Name, occupation and date of birth, along with personal identification, for authorized signatories
  • Name and occupation information for any directors or officers

Corporations less than 18 months old

If your business has been in existence for less than 18 months, please also bring one of the following:     

  • Complete Articles of Incorporation       
  • Articles of Amendment
  • Articles of Amalgamation 

Corporations more than 18 months old

If your business has been in existence for more than 18 months, in addition to the above documents, please bring one of the following:     

  • Annual / Statutory Return     
  •  Certificate of Status     
  • Financial statement or annual report signed by an independent accounting firm
  • Corporate search 

Businesses operating under a Trade Name

If your business operates under a registered Trade Name, please also bring one of the following:       

  • Trade Name Registration     
  • Master Business License
  • Identification 

Unincorporated Associations / Organizations

In all cases, please bring the following identification to your appointment:

  • Name, address, occupation or nature of primary business
  • Percentage ownership and type of ownership (direct or indirect) for any person or company with an interest of 25% or more in your business       
  • Name, occupation and date of birth, along with personal identification, for authorized signatories
  • Name and occupation information for any directors or officers 

Formally established association

If your association or organization has been formally established, please also bring one of the following:       

  • Articles of Association
  • Copy of by-laws or constitution disclosing names and titles of directors and/or officers 

Informally established association

If your association or organization isn’t formally established, please also bring a letter from the organization disclosing who has the authority to open and operate the account.

 

Manage your business finances anywhere, anytime

 
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On your phone or tablet
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On your computer
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​Via thousands of ATMs
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​In your local branch
​SEE OUR WAYS TO BANK

Your business deserves to be rewarded

From travel rewards to cash back, our credit cards offer the features your business needs and the perks it deserves.

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Your business banking questions answered

You can choose from 20 alert options for account activity. To start, we highly recommend including the following:

  • “New Payee Added” – anytime a new bill payee is added, you’ll be notified
  • "Online Login” – anytime someone new logs in using your credentials, you’ll be notified
  • "Transaction Pending Approval” – for accounts with dual signors, this alert will notify you when a transaction is ready for secondary approval 

To set up an alert, simply: 

  • Log in to your online banking
  • Select  “Messages and Alerts” from the menu on the left-hand side of the screen
  • Click the “Get Started Today” link on the page that appears
  • Under the heading “Add a New Alert”, select the alert you would like to receive
  • Once selected, click the “Get Started” button at the bottom of the page
  • To finalize set up, you will then need to accept and add the cell phone number and/or email address you would like to use

Repeat these steps for each alert you wish to set up. 

Note: Bell MTS can be inconsistent for text alerts. If you are a Bell customer, we recommend using an email address to ensure you receive all notifications.

To set up your e-Transfer profile, simply: 

  1. Log in to your online banking
  2. Select “Transfers” from the menu on the left-hand side of the screen
  3. Select “Send Interac e-Transfer” from the dropdown menu that appears
  4. Select “Create Sender Profile” directly under the “Send Interac e-Transfer®” heading on the page that appears
  5. In the “Create Sender Profile” form, enter your name, email address and/or cell phone number and click the “Continue” button beneath.

You have now completed your sender profile set-up!

Note: The name chosen above will be used to identify you as the sender of funds, so we recommend you use your business name. 

To set up e-Transfer auto-deposit, simply: 

  1. Log in to your online banking
  2. Select “Transfers” from the menu on the left-hand side of the screen
  3. Select “Send Interac e-Transfer” from the dropdown menu that appears
  4. Select “Auto-Deposit” directly under the “Send Interac e-Transfer®” heading on the page that appears
  5. In the “Autodeposit Registration” form, enter your email address and your preferred deposit account. Then click the “Register” button beneath.

You have now completed your auto-deposit set-up! 

Note: You will receive an email to the chosen address confirming auto-deposit set-up.

With MemberDirect Small Business online banking you can manage your business and personal finances together in one convenient place by consolidating your memberships in one online banking login. 

  • Easily view and access up to four memberships in one place
  • Simply transfer between accounts
  • One convenient Login ID and Personal Access Code (PAC)

Business members can add up to three additional memberships in addition to the one they've logged in with. Each membership number must be set up in online baking and have its own dedicated Login ID and password. If you are the authorized signer on more than one business membership, you will need to complete a one-time set up to consolidate your accounts in Small Business Online Banking. Once it is set up, you will be able to use the same login for all of your accounts.

How to set up consolidated accounts in MemberDirect Small Business online banking:

  • Click Business Services on the main menu
  • Select Manage Consolidated Accounts to open the Account Consolidation Manager page
  • Click Consolidate Account to add an account you'd like to consolidate
  • Enter the Personal Access Number (PAN) and password for the account you wish to add
  • Click Submit and Confirm

It's that easy!

If you need help or more information, don't hesitate to contact us. 

Need help or advice?

Don't hesitate to get in touch. We'll be happy to chat in-branch or stop by your business to lend a hand.

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Ready to get set up?

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