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Banking built for businesses — simple, secure, scalable
Heritage Credit Union’s Business Current Account provides the digital-first tools your company needs: multi-user access, integrated merchant services, predictable pricing, and quick transfers. Designed for startups, small businesses, and growing enterprises in the USA and Canada, our account helps you manage cash flow and operations efficiently.
Key Features
Higher Transaction Limits
Process higher daily and monthly transaction volumes with predictable fees and priority processing for urgent transfers.
Multi-User Access & Permissions
Grant role-based account access to employees, accountants, or managers — control who can view, approve, or initiate transactions.
Merchant Services & Card Solutions
Accept payments in-store and online with integrated merchant solutions, business debit cards, and secure payment gateways.
Fast Transfers & Payroll Support
Pay suppliers and employees quickly using our instant transfer rails and payroll integration options.
Business-Grade Security
Multi-factor authentication, role audit logs, and real-time alerts help protect your business finances from fraud.
Integrated Business Tools
Access invoicing, accounting integrations, expense categorization and cashflow analytics inside the online dashboard.
Benefits for Your Business
Scale with Confidence
As your business grows, your banking should keep pace. Our Business Current Account is built to scale — higher throughput, bulk payment support, and account admin tools that keep finance teams productive.
Transparent Pricing
Access a pricing model designed for businesses — clear fees for transfers, merchant processing, and premium services. Many businesses qualify for volume-based discounts and bundled packages.
At a Glance — Business vs Personal Current Accounts
| Feature | Business Current Account | Personal Current Account |
|---|---|---|
| Transaction Limits | Higher, business-oriented | Standard consumer limits |
| Multi-User Access | Yes — role-based | No |
| Merchant Services | Integrated | Not included |
| Fees & Pricing | Business fee schedule | Consumer fee schedule |
| Best For | Small businesses & entrepreneurs | Individuals & everyday banking |
How to Open a Business Current Account
Opening a Business Current Account is fast and secure. Follow these steps to get started:
- Click “Open a Business Account” and complete our secure online application.
- Provide business documents (business registration, tax ID/EIN, owner ID, proof of address).
- Choose account signatories and set user permissions as needed.
- Fund your account and set up merchant or payroll services if required.
Need help? Book a call with our Business Specialist to review account packages and onboarding requirements for your region (USA or Canada).
Common Questions About Our Business Current Account
Small businesses, sole proprietors, partnerships and incorporated entities with valid business registration and ID may apply. Availability and documentation requirements vary by country (USA & Canada).
Typically: business registration documents, tax ID (EIN/BN), government-issued ID for owners, and proof of business address. Additional documentation may be required for specific entity types.
Yes — deposits are protected under applicable deposit insurance schemes and regulatory limits in your country. See our disclosures for details.
Yes. You can create multiple user logins and set granular permissions for viewing, approving, or initiating transactions.
Yes. We provide integrated merchant services including card processing, online payment gateways, and invoicing options. Contact our Business Specialist for pricing and setup.
Open a Business Current Account online and get dedicated support, modern merchant tools, and banking that scales.
