Business Banking Services
As a business, we know business. That’s why we’ve got your finances covered so you can successfully run your business.
Banking Services
Automated Funds Transfers (AFT)
Pre-authorized debits and direct deposit transactions speed along quickly with our Payment Stream Automatic Funds Transfer System (PSAFT) partner. This service is ideal for all kinds of recurring payments like payroll, strata fees, and even charitable donations that are originated by you.
Speed
The ability to send (originate) same-day AFT credits. You can collect payments for things like:
- Accounts receivable
- Member fees or dues
- Rent
- Condo fees
- Donations or pledges
Security
- Enhanced originator ID limits help mitigate risk.
- Dual Authorization for added risk mitigation
Convenience
- The ability to release AFT transactions up to 14 calendars days in advance.
- Avoid printing or receiving cheques by automatically transferring funds from one account to another. It’s efficient, affordable, and will improve your accuracy.
- The ability to download AFT product reports in CSV and PDF formats.
- Increased record retention – up to 18 months of history.
- Real-time file validation during the file upload and release process.
- Email confirmations for File Upload and Manual Release are sent only when a file is validated successfully – less emails!
Note: U.S. dollar transactions can be originated if the recipient’s account is held at a Canadian financial institution.
You’ll require 2-Step Security to access PaymentStream AFT which includes:
- a username and password and
- a Soft Token on a smart phone for instant access. (Hard tokens are available at a cost.)
PaymentStream AFT Service | Service Description | Fees |
---|---|---|
Originator Setup | Set up originator identification number for a business | $250 |
Additional Originator Setup | Set up additional originator identification number | $100 |
Data Entry *Manual Release | Fee charged for every AFT file released *Transactions with a due date of 14 days or less can be confirmed and released at one time | $15 per file |
Data Entry *Auto Release | Fee charged monthly for AFT file(s) released | $50 per month |
File Upload | Fee charged per AFT file uploaded | $15 per file upload |
Hard Token | Upon Request | $10 |
Soft Token | A Soft Token is an app that can be installed on the user’s mobile device for two-step authentication when logging in | Free |
Please refer to the following sections to access a wealth of helpful user guides, training videos and more.
Deposit Services
We don’t charge you extra for cash deposits so whether it’s $50 or $5,000, there are no additional fees for monthly cash deposit totals.
Need change for your business? Order coin or exchange bills for no additional cost. Visit our business priority line in branch for all your business cash needs.
Foreign Exchange
With our foreign exchange network, we have access to many different currencies. If your business is transacting in US Dollars, our USD accounts can be used to buy/sell funds when the exchange rate is favourable. To learn more about Foreign Exchange Rates, visit our Rates page.
Speak with your business account representative to learn more about your options.
Merchant Services
Paystone, our partner for merchant services, offers 24/7 customer support. Leveraging their relationship with Elavon, First Data and Global payments, Paystone will pair you with the solution that best suits your needs.
Whether your business accepts payments in person, online, in-app or on the go, Integris and Paystone understand the importance of seamless payments solutions to help you meet the needs of your customers and support your business growth.
How your business can benefit:
Still have questions? Check out our blog post with a list of FAQs.
Paystone will work with you to provide you the best solution for your needs. Contact us today to begin your journey.
Wire Transfers
Our wire transfer system provides an efficient way of sending money whether it’s domestic or international.
Institution | Fee |
---|---|
Canadian Credit Union | $40 CAD |
Canadian Bank | $40 CAD |
USD Bank/CU | $40 USD |
International | $75 CAD |
Contact us for more information on Wire Transfers or Routing Information.

Business Planning
Plan for the future with one of our business advisors.

Business Insurance
A life insurance specialist can show you all your options, even for those with pre-existing health conditions.

Our Locations and Hours
Our insurance offices can help you over the phone or in person.
Read Our Blog

Banking System Update Notification
We are planning on updating our banking system – subject to board/Executive leadership approval in early April – from April 17 – 21, 2025. Read our blog for full details.

Tutorial: International Transfers for Business
Check out this quick tutorial on how you can access and utilize international transfers for your business!

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