Business services

Powering your business behind the scenes

Get the guidance and tools you need to help your business start strong and keep growing.

A ceramic studio owner uses a Clover handheld payment terminal to process a customer’s purchase.

Merchant services with Clover

Accept payments, manage sales, and keep your business flowing — all from one smart system.

Designer working at a large desktop computer in a modern creative studio with sketches, plans, and a bicycle in the background.

Automated Funds Transfer

Pay suppliers, collect customer payments, and run payroll as smooth as your next big creative project.

Person choosing acoustic guitar in store.

Corporate Capture

Corporate Capture lets businesses securely deposit cheques online, saving time and boosting cash flow.

Artist painting outdoors on easel.

Foreign exchange payments

Get a great exchange rate on foreign currencies and send funds easily with a simple, self-serve platform.

Person crafting pottery in studio.

Condominium services

Helping property managers and boards thrive with financial tools tailored for creative communities.

The art of banking differently

Our members value our personal touch, competitive rates, and community spirit that helps artists, innovators, and entrepreneurs bring their ideas to life.

Member owned

As a member, you’re also an owner — your voice helps shape how we grow and serve the creative community.

Better rates, lower fees

Our competitive rates help creative professionals handle daily banking, fund projects, and grow their businesses.

Many ways to bank

Manage your money in person, online, or on mobile, with access to thousands of surcharge-free ATMs across Canada and the U.S.

Guided by purpose

We reinvest profits into community programs that help creative professionals thrive and flourish.

What business services are available for creative businesses?

Creative Arts Financial offers a full range of business services designed to support creative businesses at every stage. These services include everyday banking, business accounts, merchant services, payroll support, foreign exchange and payments, and investment options. Each service is designed to help creative businesses manage operations efficiently while navigating irregular income and project based work.

How do business services support creative businesses?

Business services help creative businesses manage cash flow, accept payments, pay suppliers and staff, and plan for growth. Creative Arts Financial understands the unique challenges of creative and project based industries and offers flexible solutions that support changing income patterns and evolving business needs.

Can small and growing businesses use business services?

Yes. Creative Arts Financial business services are suitable for sole proprietors, freelancers, partnerships, and incorporated businesses. These services are built to scale, allowing businesses to start with what they need today and add more support as they grow.

How do business services help with cash flow management?

Business services provide tools to receive payments, manage expenses, and monitor account balances with clarity. Clear transaction records and flexible banking options make it easier for creative businesses to track income, plan ahead, and stay in control of cash flow.

Can business services be customized to different business needs?

Yes. Creative Arts Financial allows business services to be combined and tailored based on how each business operates. This flexible approach ensures creative businesses can choose only the services they need and adjust their setup as their business evolves.

Count on us to help your business grow with confidence.

Open a business account

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

Already a member? Contact us to open a new account.

Become a business member

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

You can also apply online through our self‑serve platform, powered by FirstOntario Credit Union. Select Creative Arts in the Preferred branch drop‑down.

Become a member

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Business U.S. Dollar Investment Savings account

Balance

Rate*

Balance

All balances

Rate*

0.20%

* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Business Savings account

Balance

Rate*

Balance

$0 – $100,000.00

Rate*

1.55%

Balance

$100,000.01 – $250,000.00

Rate*

1.60%

Balance

$250,000.01 – $500,000.00

Rate*

1.70%

Balance

$500,000.01 – $750,000.00

Rate*

1.80%

Balance

$750,000.01 – $1,000,000.00

Rate*

1.90%

Balance

$1,000,000.01 – $2,500,000.00

Rate*

2.00%

Balance

$2,500,000.01+

Rate*

2.10%

* Per annum rate. Rate and terms subject to change without notice. Conditions apply.

Open an account

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Already a member? Log in to online banking.

Creative Arts Financial is closed on the following days

Wednesday, July 1, 2026 Canada Day
Monday, August 3, 2026 Civic Holiday
Monday, September 7, 2026 Labour Day
Wednesday, September 30, 2026 National Day for Truth and Reconciliation*
Monday, October 12, 2026 Thanksgiving Day
Wednesday, November 11, 2026 Remembrance Day*
Thursday, December 24, 2026 Christmas Eve**
Friday, December 25, 2026 Christmas Day
Monday, December 28, 2026 Observation of Boxing Day*
Thursday, December 31, 2026 New Year's Eve**
Friday, January 1, 2027 New Year's Day 2027
* Member Service Centre, Member Solutions Team and Personal Assisted Tellers will be available from 8 a.m. to 5 p.m. ** On December 24 and December 31, branches will close at 1 p.m. Our Member Service Centre and Personal Assisted Teller services will be available from 7 a.m. to 4 p.m. and the Member Solutions Team can be reached from 8 a.m. to 4 p.m.
U.S. Dollar Investment Savings account

Balance

Rate*

Balance

All balances

Rate*

0.15%

* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account for seniors (60+)

Balance

Rate*

Balance

$0 – $1,000.00

Rate*

0.05%

Balance

$1,000.01 – $5,000.00

Rate*

0.05%

Balance

$5,000.01 – $10,000.00

Rate*

0.05%

Balance

$10,000.01+

Rate*

0.05%

* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Investment Savings account

Account options

Rate*

Account options

Non-registered savings

Rate*

0.30%

Account options

TFSA investment savings

Rate*

0.60%

Account options

FHSA investment savings

Rate*

3.20%

Account options

RRSP investment savings

Rate*

0.05%

Account options

RRIF investment savings

Rate*

0.05%

* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account

Balance

Rate*

Balance

$0 – $1,000.00

Rate*

0.05%

Balance

$1,000.01 – $5,000.00

Rate*

0.05%

Balance

$5,000.01 – $10,000.00

Rate*

0.05%

Balance

$10,000.01+

Rate*

0.05%

* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
High Interest eSavings account

Balance

Rate*

Balance

$0 – $100,000.00

Rate*

0.60%

Balance

$100,000.01 – $200,000.00

Rate*

0.75%

Balance

$200,000.01+

Rate*

0.80%

* Per annum rate. Rate and terms subject to change without notice. Conditions apply.apply.