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BUSINESS ACCOUNTS

You do you.
We'll manage the money side.

Business Banking Made Simple

We recognize the importance of financial tools that work as hard as you do

Luminus Financial's business banking accounts are more than just a service; they are a strategic partner in your business journey. Whether you're a start-up, a family-owned business, or a local organization, our accounts are designed to simplify your financial operations, reduce costs, and fuel your growth.

Business accounts

Classic Business Chequing

Our Classic Business Chequing Account is designed to cater to your day-to-day financial needs.
  • Pay-as-you-go: Pay exclusively for the services you use.
  • Comprehensive
    service access:     Enjoy access to a wide range of services tailored to meet your business needs.
  • Flexible deposits: Make deposits effortlessly in-branch or through ATMs.
  • Secured deposits: Insurable nonregistered deposits are covered up to $250,000*.
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Infinite Savings Account for Business

Enjoy the benefit of higher deposit interest while retaining the freedom to withdraw funds whenever you need them.
  • Zero monthly fees: Keep your hard-earned money with no monthly fees.
  • Consistently high rates: Maximize earnings with our highest monthly savings interest rate.
  • Maintain access to your funds: Easily respond to business needs with full access to your deposits at any time without penalty.
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No-Fee Organization Account

Run a nonprofit organization or club? Tired of paying fees? Our No-Fee Organization Account is your perfect fit.
  • Zero monthly fees: Do more with your money without the burden of monthly fees.
  • Tailored service packages: Access a wide array of services tailored to meet the specific requirements of nonprofits and clubs
  • Deposit security: Rest easy with insured deposits from the Financial Services Regulatory Authority (FSRA) of Ontario.
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Discover the credit union difference

Member-owned
Credit unions operate as member-owned cooperatives, prioritizing member needs.
Not-for-profit
Operating as not-for-profit entities, credit unions offer better rates and lower fees.
Community focused
Rooted in communities, credit unions invest locally and prioritize a people-first approach.
Democratic decisions
Members have equal voting power, ensuring a democratic structure in credit unions.
Personalized service
Known for attentive service, credit unions provide individualized attention to members.
Better rates, lower fees
Credit unions offer favorable rates and lower fees due to their not-for-profit status.
Local decision-making
Credit unions make decisions locally, ensuring quick approvals and flexibility for members.
Financial education
Credit unions actively promote financial literacy, empowering members with resources.
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Luminus Financial is dedicated to designing financial products and services that work best for you. Embrace a new era of community banking—all online, all right here. Your financial journey begins with us.
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Dear Members: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union as at December 31, 2025 and for the year then ended, please review your statement. If it does not agree with your records, please report any differences directly to our auditors, MNP LLP: Bryn Hafer, bryn.hafer@mnp.ca, (416) 617-3074.

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