Business Investment Savings
Grow your savings at a premium rate.
- Interest calculated daily
- Deposits are 100% guaranteed†
Our business savings accounts offer:
- Free Online, Mobile and Telephone Banking
- Surcharge-free access to Canadian currency accounts at over 4,500 THE EXCHANGE® or ACCULINK®ATMs across Canada with your Access Card
- Deposits are 100% guaranteed†
- Environmentally sensitive e-statement options reduce paper, enhancing security and privacy
The Business Investment Savings Account offers you a flexible way to save your money. It's ideal for parking surplus funds that can earn high daily interest without sacrificing liquidity. Your money is entirely accessible; withdraw funds to finance a business improvement or transfer them to a higher yielding investment vehicle when the time is right. Deposit or withdraw at any time.
- Free Online, Mobile and Telephone Banking access
- Two free transactions per month such as withdrawals, pre-authorized payments, bill payments
- Unlimited electronic deposits
- Low deposit and withdrawal fees
- Interest calculated daily*
- Deposits are 100% guaranteed**
- Free statement available online or by phone anytime
- Easy access to your money through your Access Card (available on accounts requiring only one signature)
| Balance | Rates |
| $0-9,999 | |
| $10,000-49,999 | |
| $50,000 – 249,999 | |
| $250,000 – 499,999 | |
| $500,000 – 999,999 | |
| $1MM+ |
| Business Investment Savings Package Service Fees | ||
|---|---|---|
| In-branch | ||
| Deposits | Free | |
| Night Deposits / Mail Deposit | Free | |
| Withdrawals | $5.00 b | |
| Bill Payments | $5.00 b | |
| Transfers (between BlueShore Financial accounts) | Free | |
| Electronic | ||
| Deposits - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | Free | |
| Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | $5.00 b | |
| Withdrawals - Interac® ATM | $5.00 | |
| Withdrawals - Cirrus or U.S. EXCHANGE® ATM | $5.00 | |
| Point of Sale (in Canada) | $5.00 b | |
| Bill Payment | $5.00 b | |
| Interac® e-Transfers - request money | Free | |
| Interac® e-Transfers - send money | $5.00 b | |
| Pre-authorized Payment Credits | Free | |
| Pre-authorized Payment Debits | $5.00 b | |
| Cheque Clearing | N/A | |
b as free transaction(s) as per package set-up; fees charged after transaction limit.
Premium Business Savings
Enjoy premium business savings with tiered, higher rates of interest.
- One free debit transaction per month
- No minimum amount required
- Tiered interest based on balance
- Deposits are 100% guaranteed†
The Premium Business Savings Account offers a tiered interest rate that increases as your balance grows, allowing you to grow your business’ savings as your account balance increases.
- Set goals and accumulate business savings faster
- Competitive rate; no minimum balance required
- One free debit per month, such as a withdrawal, transfer or electronic bill payment
- Make unlimited deposits, when and how you choose
- Withdraw funds at any time
- Free monthly statement
- Easy access to your money through ATMs, Online, Mobile or Telephone Banking
- Deposits are 100% guaranteed**
| Balance | Rates |
| $0 – 24,999 | |
| $25,000 – 99,999 | |
| $100,000 – 499,999 | |
| $500,000 – 999,999 | |
| $1,000,000 – 4,999,999 | |
| $5MM+ |
| Premium Business Savings Package Service Fees | ||
|---|---|---|
| In-branch | ||
| Deposits | Free | |
| Night Deposits / Mail Deposit | Free | |
| Withdrawals | $5.00 b | |
| Bill Payment - In branch | $5.00 b | |
| Transfers (between BlueShore Financial accounts) | Free | |
| Electronic | ||
| Deposits - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | Free | |
| Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | $5.00 b | |
| Withdrawals - Interac® ATM | $5.00 | |
| Withdrawals - Cirrus or U.S. EXCHANGE® ATM | $5.00 | |
| Point of Sale (in Canada) | $5.00 b | |
| Bill Payment - Online | $5.00 b | |
| Interac® e-Transfers - request money | Free | |
| Interac® e-Transfers - send money | $5.00 b | |
| Pre-authorized Payment Credits | Free | |
| Pre-authorized Payment Debits | $5.00 b | |
| Cheque Clearing | N/A | |
b as free transaction(s) as per package set-up; fees charged after transaction limit.
Business U.S. Savings
Shelter from exchange rate fluctuations
- Ideal if you conduct business in U.S. dollars
- Interest calculated daily*
- Pay only for the services you use
- Transfer funds online between your Canadian and U.S. accounts
Ideal for clients who conduct business in the U.S on a regular basis and want protection from volatile exchange rates.
- Buy U.S. currency when rates are favorable; earn interest while you hold it
- 1 free transaction per month; then pay on a per-transaction basis
- Transfer funds between your Business U.S. Savings and Business U.S. Chequing account without currency conversion – online, in-branch or by phone through our Solution Centre
- Transfer funds between your Canadian and U.S. accounts online – standard currency conversion rates will apply
- Free monthly statement
- Deposits are 100% guaranteed**
Please note this account cannot be accessed from ATMs that dispense U.S. funds.
| Business U.S. Savings |
| Business U.S. Savings package service fees | |
|---|---|
| In-Branch | |
| Electronic | |
| Transactions included: | 1 |
| Deposits | $1.25 a,b |
| Night Deposits / Mail Deposits | $1.25 a,b |
| Withdrawals | $1.25 a,b |
| Bill Payment - In branch | N/A |
| Transfers (between BlueShore Financial accounts) | Free |
| Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | N/A |
| Withdrawals - Interac® ATM | N/A |
| Withdrawals - Cirrus or U.S. EXCHANGE® ATM | N/A |
| Point of Sale (in Canada) | N/A |
| Bill Payment - Online | N/A |
| Interac® e-Transfers | N/A |
| Pre-authorized Payment Debits | $1.25 a,b |
| Pre-authorized Credits | $0.25a |
| Cheque Clearing | N/A |
a Service charges in U.S. dollars.
b as free transaction(s) as per package set-up; fees charged after transaction limit.
From the Help Centre
Lauren Robinson
Business Advisor
Have a question? Ask an expert
Our team of experienced professionals are here to answer any questions you may have.
* Rates are subject to change without notice at any time.
**Rates are subject to change without notice. Interest is calculated per annum and paid monthly on the portion of the closing daily balance within the tier.
† Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).
®THE EXCHANGE and ®THE EXCHANGE & Design are registered trademarks owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.
®ACCULINK is a registered trademark owned by Credit Union Central of Canada, used under license.