Where Business Meets Lifestyle
No matter your needs, we have a range of accounts and services to make banking easier for your business.
How Can We Help Your Business Today?
Make it here, keep it here, grow it here.
We know running a business takes a lot of your time. So, we work hard to make managing your business finances easier, whether that be in-person, online or over the phone.
Business banking made easy.
Business Showcase: Scottie's Marina
David and Natasha share their inspring story about the journey of going from customer to owner / operators of this homegrown business on the Arrow Lakes near Castlegar.
Local financing decisions
The credit union associate who serves you represents you. When financing decisions are being made, you’ll find we have more local influence over these decisions.
Cutting red tape
It’s a fact of business that policies sometimes limit what you can do. So, here’s what we do better – we’ll be more accountable, we’ll do it personally, and we’ll never pass the buck. Sound fair?
Good judgment vs. formulas
The fact is formulas are used to calculate potential and assess risk. But formulas are only one measure. Your character, your business plan and track record are also considered.
Personal service vs. technology
We’re not against technology – quite the opposite. We use it to make personal service better. Online banking, ATM access and other advancements are always tailored to you, not the other way around.
Business Showcase
There aren't many things better than a local success story!
A Very Real Business
VH Sport from Genelle is definitely one of them.
From Pins to Pints
Congrats to ever talented members, Encore Brewing.
Summer Saving Special
- Interest compounded annually or paid to account.
- Health/Job Interruption Feature: no-penalty redemption (in whole) in case of a medical emergency or job interruption.
- Patronage Rewards apply.
*Promotional rates are shown as high as – terms and conditions apply, and are dependent on new money being brought to the credit union. Please note that all rates and promotional offers are subject to change without prior notice. Our credit union reserves the right to modify or end any rates and promotions at any time based on market conditions or other factors. We encourage our members to check our website regularly or contact us directly for the most current rate information.
Banking Services
Whether you need to make an important transfer or streamline your financial management, we offer a variety of convenient and secure banking services to support your business.
Commercial Interac e-Transfer®
Send and receive money quickly, conveniently, and securely within Canada, using your mobile phone or computer.
e-Transfer Limits
Sending:
- No minimum transfer amount
- Maximum amount per transaction outgoing (send) $10,000
- Maximum amount per day outgoing (send) $20,000
- Maximum amount per 7 days outgoing (send) $50,000
- Maximum amount per 30 days outgoing (send) $100,000
Receiving:
- Maximum amount per transaction incoming (receive) $25,000
- Maximum amount per day incoming (receive) no limit
- Maximum amount per 7 days incoming (receive) no limit
- Maximum amount per 30 days incoming (receive) no limit
Please Note: Some business owners or business accounts may still be listed as personal accounts, which would be subject to personal e-Transfer limits. CLICK HERE to see the personal e-Transfer limits.
Merchant Services
Take your payment processing to the next level with our full range of secure, convenient merchant solutions.
Merchant solutions offered include:
Smartphone/Tablet systems
Designed for lower volume merchants or merchants who conduct business on the go.
In-store terminals and POS systems
We offer several solutions for retails operations.
Mobile terminals
Merchants on the go can accept payment wherever their customers are.
Web-based solutions
Efficiently process real-time transactions via Virtual Terminal, e-commerce, or recurring payments.
Value added solutions
We offer gift card/loyalty programs, chargeback protection, sales analytics, online reporting, and much more.
Automated Funds Transfer
Streamline the processing and settlement of pre-authorized transactions, like payroll, thanks to our AFT service.
How to:
Ways to Bank
Bank for your business however and whenever you want. Whether you’re looking for support online, over the phone or from our friendly team in-branch, we’ll serve you the way that suits your business best.
Mobile App
Our free mobile app gives you easy and secure access to your everyday banking on the go.
Features include:
- Viewing account activity and recent transactions
- Transferring funds
- Viewing and editing post-dated payments
- Scheduling transfers
- Paying bills now or set up payments for the future
- Find a branch or ATM
Deposit Anywhere™
Our Deposit Anywhere feature lets you quickly and securely deposit cheques using your smartphone or tablet.
Note: Deposit Anywhere™ has an automatic four-day hold on your cheques. Members can request that the hold days be removed. Deposits would then be available on the day of the deposit, however, if the deposit is after 6 pm on a Friday, the funds are not released until the following Monday.
Online Banking
Our online banking gives you the freedom to bank whenever and wherever you choose — 24 hours a day, 7 days a week.
Features include:
- Consolidating your business and personal accounts in one place, so you only need to log in once
- Authorizing users, like your bookkeeper or staff, to view and initiate transactions for you
- Setting up dual signature approvals for transactions
ATM Network
Our ATM network gives you access to thousands of ATMs across Canada – surcharge free. Simply look for THE EXCHANGE® logo.
Features include:
- Depositing cheques and cash
- Withdrawing cash
- Checking your balance
- Paying bills
- Printing a mini statement
- Transferring funds between accounts linked to your debit card
US access
When you’re traveling within the USA, THE EXCHANGE Network is still available to you. Just look for the logo. The majority of EXCHANGE ATMs in the USA are also surcharge free, but you may find that some states will have a nominal charge.
For more information on the US Point of Sale network, please visit THE EXCHANGE website.
Member Solutions Centre
Our local, friendly representatives are dedicated to assisting you with over-the-phone requests, or they can transfer you to your branch.
Live staff are available to serve you by phone, Monday to Friday, 10am to 6pm MST.
Debit Card
Our MEMBER CARD® Debit Card allows immediate, easy access to your accounts via ATM or at point-of-sale terminals. It includes contactless Interac Flash technology.
Features include:
- Purchasing directly from your accounts
- Making a deposit using any of the deposit-taking Canadian ATMs on THE EXCHANGE network
- Canada-wide acceptance through ACCULINK®, Interac®, and THE EXCHANGE networks
- U.S. and international use at ATMs and merchants displaying the CIRRUS® or THE EXCHANGE symbols
Note: Transaction fees may apply based on your account.
Lost or Stolen Debit Card
During business hours, call: TOLL FREE1.866.960.6666
After hours:
- Call 1.877.251.5230 (in North America)
- Email Technical Support
Telpay Business Payments
Simplify your payments with our all-in-one payment solution. A cost-effective way to electronically pay any business, anywhere from one secure and reliable payment platform.
In-branch Banking
Our friendly, knowledgeable staff in branch can help you with a complete range of innovative financial products and services to support your goals.