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Commercial Enterprise

The Expertise You Need. The Outstanding Service You Deserve.

Our dedicated and experienced commercial and real estate banking teams know that relationships must come first. We’re a Calgary-based commercial banking unit specialized in partnering with local businesses to offer streamlined banking solutions, exceptional personalized attention and easy online access to the reporting tools you need. 

 

Ask us for a free no-obligation review of all your accounts and services to get the peace of mind that your business finances are working just as hard for you as your teams are. 

 

From managing your day-to-day cash flow, improving cash clarity and visibility, and maximizing your earnings on surplus business funds, our specialized business banking packages and services are designed to save your business money.

 

Get accounts sized for the scale of your business operations, paired with banking and cash management tools that streamline payments, transactions and reporting.

 

Ask us about options for interest bearing savings accounts or strategies to keep your money working harder through short and long term business investment strategies.
 

Business First

$100,000 and Over

0.05%

$40,000 to $99,999

0.05%

$10,000 to $39,999

0.05%

Business Optimum Savings

$50,000 and Over

0.10%

Up to $49,999

0.05%

U.S. Business First

$5,000 and Over

0.05%

?Did You Know

When you choose to bank with us, you have a rock solid guarantee that your deposit and interest is 100% protected* (this is unique to credit unions!).

 

Tell Me More

Step 1: Choose the Everyday Business Chequing Account That’s Right For You.

1

Strictly Business

The practical and essential solution for business owners who keep less than $10,000 in their everyday business chequing account.

  • No Minimum Balance Required
  • Overdraft protection starting at $500, upon approval
  • Easy accounting with an All-In-OneĀ® statement cheque transaction imaging feature


2

Business First

This flexible account combines the convenience of business chequing with the interest earning benefits of a savings account for organizations that hold balances of $10,000+.

  • Interest earned on a tiered basis
  • Interest calculated daily on closing balance, and paid monthly
  • Free currency handling, subject to negotiation and volumes


Step 2: Select The Business Chequing Account Add-On Option That Fits Your Business Needs

1

Business Option 1

Up To 15 Free Transactions

  • Monthly Fee: $12.00
  • Free Deposits
  • 15 Free Transactions can include: Purchases, ATM Withdrawals, Transfers, Payments, Chargebacks, In-branch withdrawals, transfers and bill payments, Cash Advances, or Cheques
  • e-Transfers: $1.50 each
  • Coverdraft: $4.00 each


2

Business Option 2

Up To 30 Free Transactions

  • Monthly Fee: $20.00
  • Free Deposits
  • 30 Free Transactions can include: Purchases, ATM Withdrawals, Transfers, Payments, Chargebacks, In-branch withdrawals, transfers and bill payments, Cash Advances, or Cheques
  • e-Transfers: $1.50 each
  • Coverdraft: $4.00 each


3

Business Option 3

Up To 55 Free Transactions

  • Monthly Fee: $35.00
  • Free Deposits
  • 55 Free Transactions can include: Purchases, ATM Withdrawals, Transfers, Payments, Chargebacks, In-branch withdrawals, transfers and bill payments, Cash Advances, or Cheques
  • e-Transfers: $1.50 each
  • Coverdraft: $4.00 each


4

Business Option 4

Up To 100 Free Transactions

  • Monthly Fee: $55.00
  • Free Deposits
  • 100 Free Transactions can include: Purchases, ATM Withdrawals, Transfers, Payments, Chargebacks, In-branch withdrawals, transfers and bill payments, Cash Advances, or Cheques
  • e-Transfers: $1.50 each
  • Coverdraft: $4.00 each


Step 3: Let Us Know If You Need a U.S. Dollar Business Account

1

U.S. Business First

Save the hassle (and fees!) of conversion. All transactions conducted in U.S. dollars.

  • Monthly Fee: $10.00 (USD)
  • Daily Interest earned on balances of $5,000+
  • Free deposits
  • Free debit transaction for every $1,000 on deposit
  • Free U.S. Travelers Cheques


BONUS: Get a Business chequing account card that’s accepted like a credit card!

 

 

The First Cheque™ GLOBAL PAYMENT® Mastercard®, has all the convenience, global access and flexibility of a Mastercard credit card, without the credit card fees. It automatically deducts your purchases directly from your business chequing account. Use it anywhere the Mastercard logo is displayed- including shopping online and at an ATM! Funds are automatically moved from your credit union business chequing as the transaction is completed. Only available through First Calgary Financial.

 

Ask When You Apply

 

 

Coming in for a business banking appointment?

Make the most of our time together by ensuring that you have everything you need. You’ll want to bring $1.00 to become a member, plus:

Personal Information

  • You need two pieces of ID for each person who has signing authority.

Incorporated Business Documentation

  • Articles of incorporation
  • Certificate of incorporation
  • Business or trade name registration
  • List of all shareholders, directors and officers
  • If your business has been incorporated for more than 12 months, you also need to bring:
  • Certificate of status
  • Annual government filing

Unincorporated Association

  • Articles of Association or if not formally established a letter or meeting minutes that name the individuals with signing authorities.
  • Incorporated Society
  • Articles of Association or meeting minutes
  • Certificate of incorporation
  • Copy of registration of Non-Profit Status ( if applicable)

Sole Proprietor

  • Business or trade name registration
  • Power of attorney authorization (if another person is to have signing authority)

Partnership & Joint Ventures

  • Partnership or joint venture agreement
  • Trade name registration
  • Declaration of partnership or limited partnership (if applicable)
  • For incorporated partnerships, you also need to bring all documents required for an incorporation business.

Condominium Corporations

 

  • Land titles search
  • Copy of the Bylaws
  • Meeting minutes that name the individuals with signing authorities.

 

The Legal Stuff:

*Rates effective as of 3 October 2017. Terms and conditions apply. Additional account fees may apply. All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation, excluding common shares, investment shares, and mutual funds. All rates and products are subject to change without notice. All transactions on U.S. dollar accounts are conducted in U.S. dollars. ATM and card access is not available on U.S. Business First Account. Authorized credit approvals required for all overdraft, credit card and lending products. ATM charges from other institutions may apply. Some First Cheque™ GLOBAL PAYMENT® Mastercard® limitations apply - see the certificate of insurance when you receive your card. All trademarks are the property of their respective owners. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you, and reach out to our teams to help determine if the product is appropriate for you. All trademarks are the property of their respective owners. Legal Terms of Use apply.