Delivering on our promise
You’re now part of a credit union that combines BlueShore Financial's legacy of personalized service with Beem’s commitment to innovation and community banking. From the North Shore to Fort Nelson, over 192,000 members are building their futures with us—united by a shared belief that financial wellness can be achieved by all.
Important changes coming to business and USD accounts
On December 1, 2025, your current business operating and/or savings account(s) will automatically transition to Beem Credit Union's lineup of business banking and USD accounts.
You may have questions about these changes. We’re ready to help walk you through what’s coming, explore which features best suit your specific business needs, and ensure this transition is seamless for you.
What’s improving
Many of the new accounts have enhancements:
✓ Simplified pricing
✓ Lower monthly fees
✓ More flexible transaction options
✓ Minimum monthly balance waivers
What stays exactly the same
Your business operations won't skip a beat:
✓ Account numbers and routing information
✓ Online and mobile banking login
✓ All pre-authorized payments and direct deposits
✓ Linked business credit cards
✓ Account nicknames
✓ Business Advisor and branch team
Your new business banking experience
New business operating accounts
Your account(s) will automatically transition to Essential Business, Everyday Business, Unlimited Business, or Everyday Business Community based on your current account and specific business needs as of November 30, 2025.
Please see below for more details.
| Current accounts | Business Chequing Business Chequing 20 | Business Chequing 40 Business Chequing 60 | Business Unlimited | Chequing Incorporated Society Chequing Community Groups |
|---|---|---|---|---|
| New accounts | Essential Business1 | Everyday Business1 | Unlimited Business1, 2 | Everyday Business Community1 |
Made for businesses with just a few monthly transactions. Suitable for self-employed businesses or microbusinesses with a limited need of transactions. Includes 10 limited transactions2. $1.25 per additional transaction. | A competitively priced account to conduct your daily business bankings needs. Suitable for businesses that require more than just digital banking. Includes 50 limited transactions2. $1.25 per additional transaction. | Perfect for businesses making lots of transactions. Suitable for small to commercial businesses. Includes unlimited transactions and transfers between accounts. | A cost-effective account for qualifying non-profit organizations. Includes 50 limited transactions2. $1.25 per additional transaction. | |
| Monthly fee: $6.95 Waived with min. $10,000 balance | Monthly fee: $24.95 Waived with min. $50,000 balance | Monthly fee: $49.95 Waived with min. $75,000 balance | Monthly fee: $2.00 Waived with min. $50,000 balance |
New business savings accounts
Your account(s) will automatically transition to our Everyday Business Savings or High Interest Business Savings account based on your current account and specific business needs as of November 30, 2025.
Please see below for more details.
| Current accounts | Business Investment Savings Plan 24 Business Plan 24 - Associations | Premium Business Savings |
|---|---|---|
| New accounts | Everyday Business Savings1 | High Interest Business Savings1 |
Perfect for savings you want to keep handy and use soon. Current rate 0.05% Includes 5 limited transactions2. $1.25 per additional transaction. | Includes 2 limited transactions2. $5.00 per additional transaction. Tiered interest rate—interest earned will be the sum of corresponding interest earned for each tier | |
| Monthly fee: $0 | Monthly fee: $0 |
New USD accounts
Your account(s) will automatically transition to our USD Business Spending or USD Business Savings account based on your current account and specific business needs as of November 30, 2025.
Please see below for more details.
New accounts
| Current accounts | US Chequing Business | US Savings Business |
|---|---|---|
| New accounts | USD Business Spending3 | USD Business Savings3 |
4 transactions included4 $1.25 USD per additional transaction. No interest paid. | 1 transaction included4. $5.00 USD per additional transaction. Earns interest. | |
Monthly fee: $4.95 Priced in USD | Monthly fee: $0 Priced in USD |
Transaction information
¹ ALWAYS FREE TRANSACTIONS: Direct deposits, Online transfer withdrawals, Online transfer deposits, Incoming Interac e-Transfer payments, Request for Interac e-Transfer payments, In-branch deposits, In-branch transfer deposits, Smart device cheque deposits.
² LIMITED TRANSACTIONS: Outgoing Interac e-Transfer payments, Online bill payments, Cheque withdrawals, Debit card purchases, Pre-authorized debits, EXCHANGE Network ATM withdrawals, In-branch bill payment, In-branch withdrawals, In-branch transfer withdrawals.
³ US ALWAYS FREE TRANSACTIONS: Direct deposits, Online transfer withdrawals, Online transfer deposits, In-branch deposits, In-branch transfer deposits.
⁴ US LIMITED TRANSACTIONS: Cheque withdrawals, Pre-authorized debits, In-branch withdrawals, In-branch transfer withdrawals.
On this journey together
You deserve a partner that’s invested in your success as much as you are. This account transition is one of the first steps in delivering on that promise. Looking ahead to 2026, you'll gain access to:
- New online banking, mobile app and website purpose-built for effortless banking
- Improved products and services to fuel your business vision
- Enhanced banking solutions that your business and community can count on
Your trusted BlueShore Financial team, as a part of Beem, is backed by expanded resources and technology. We’re ready to empower your business with the human connection you value and the forward-thinking approach you need.
Throughout this journey, you play an essential part in shaping our shared vision. This is just the beginning of what we're building together.
