Business

Business When you run a business, every dollar counts. When you’re an NCCU business member, so do you.
Tools When it comes to money, having the right tools can give you the answers you’re looking for. How much do you need to save to buy a house? Or retire comfortably? What will it cost to send your kids to college? Our simple online tools can help. Go ahead. Check them out. You’ll be one step closer to your goal. Tools When it comes to money, having the right tools can give you the answers you’re looking for. How much do you need to save to buy a house? Or retire comfortably? What will it cost to send your kids to college? Our simple online tools can help. Go ahead. Check them out. You’ll be one step closer to your goal. Business Investing We offer planning and investment services that will help you take your business to new heights. Learn more here. Business Lending Lending products designed to keep you growing in the right direction—toward profit, expansion and sustainability right here in Saskatoon: Commercial Loans Commercial Quick Loans Commercial Line of Credit Commercial Mortgage Decisions Made Locally Decisions Made Locally Our business account managers have more than experience and insight. They’re from Saskatoon and know the local business climate. Because decisions are made right here in our branch, they can act quickly on your behalf. They’re dedicated to helping you succeed in your business goals. Card Services Credit and solutions to make business banking easier: MasterCard® MasterCard® We offer our members the following Business MasterCard® products: Low Rate Business MasterCard No Fee Cash Back Business MasterCard Platinum Business MasterCard GLOBAL PAYMENT MasterCard® GLOBAL PAYMENT MasterCard® The GLOBAL PAYMENT MasterCard® offers you the convenience, flexibility and worldwide global acceptance of a traditional MasterCard® credit card. GLOBAL PAYMENT MasterCard® can be used anywhere MasterCard® is accepted including shopping online and accessing cash at an ATM. Unlike the traditional MasterCard® credit card, the funds are automatically moved from your credit union account to pay off the balance after the transaction is completed. GLOBAL PAYMENT MasterCard® is a convenient extension of your account and is only available through your credit union. FLEXREWARDS FLEXREWARDS Cards with FlexRewards give you more. Points add up quickly, and there’s no limit to the number of points you can earn. Select how to redeem your points from three options: 1. Cash Back — Rewards are simple and easy. Redeem points for cash back in the form of an account credit. 1 point equals $.01 cash back! 2. Merchandise and Gift Cards — With thousands to choose from, there’s something here for you. Available merchandise and gift items range from electronics and sporting goods to kitchen tools and bestselling books. Or select gift cards to a variety of stores and restaurants. It’s like having a global marketplace at your fingertips. 3. Travel — Choose from worldwide flight options on more than 100 airlines. Find the perfect place to stay from more than 80,000 hotel locations. Take a cruise. Get pro and college sports tickets. Go whitewater rafting or visit a spa. Enjoy fine dining. The list of possibilities goes on and on. For a firsthand look at the available selections, visit the FlexRewards Catalogue Lost or Stolen Cards Lost or Stolen Cards Lost or Stolen MemberCard®/ MasterCard® Call us at 306.653.1300 and for after hours and weekends call 1-800-567-8111 for Global Payment MasterCard® and 1-888-277-1043 for Interac Flash debit cards.	Business Accounts Running a business and daily banking go hand in hand. Our business accounts make it as simple as possible: Commercial Chequing Commercial Chequing This is the ideal chequing account for your day-to-day business banking. It’s designed to keep your daily banking simple, so that you can focus on running your business. US Account US Account If you have frequent business transactions in US funds, this account can simplify your daily banking. It will help smooth the ups and downs of exchange rates. Even if you don’t use your US account often, you’ll value the flexibility it offers. Starting a Business We embrace the entrepreneurial spirit at NCCU and show our support with products designed to help you get started: Commercial Loans Commercial Loans We know how challenging it is to run a business. That’s why we’ve designed a commercial loan that flexes to meet your needs, whether it’s to expand, buy equipment or help out with cash flow. In addition to competitive rates and flexible repayment terms, every loan application is processed in-branch by someone who understands the local business climate and wants to see you succeed. Commercial Quick Loans Commercial Quick Loans If you like the repayment structure of a loan and the flexibility of a line of credit, this product may be the ideal fit for your business. With an NCCU Commercial Quick Loan, you just apply once, receive your approved limit, then access the money whenever you need it. Any portion paid down can be re-advanced without having to apply again. Commercial Line of Credit Commercial Line of Credit Whether you like the comfort of an emergency fund, need a cash flow cushion or want to be in a position to take advantage when opportunity knocks, our Commercial Line of Credit could be a great financial tool for your business. It gives you access to cash whenever you need it. Deposits made to the account will lower the balance owing, reducing interest costs to you. Commercial Mortgage Commercial Mortgage We understand that growing your business means being in the right kind of space. If your business is ready to move from a rented space to a new building or you need to renovate your current building, our commercial mortgage is designed to fit your needs. With competitive rates, flexible terms and help from our commercial specialists, you’ll be in the right space in no time. Electronic Services Online banking and other convenient services that make life easier: MemberDirect® Internet Banking MemberDirect® Internet Banking Our free MemberDirect® Internet Banking gives you to access to your account online, 24 hours a day, 7 days a week, making it easy to take care of both personal and business banking transactions when it works for you. You can use MemberDirect® Internet banking to: pay bills check account balances and transaction history transfer funds between accounts make loan payments access an archive of your monthly statements (if you opt for eStatements) To get set up, all you need to do it contact us. It’s as easy as that. Other Electronic Services Other Electronic Services Direct Deposit You can save a lot of time and hassle by having your payroll or cheques automatically deposited into your business, chequing or savings account. You’ll have access to your funds the minute they are deposited into your account. Contact us to find out how to get direct deposit set up for you today. PreAuthorized Debits With so many things to do to run your business, it’s easy to lose track of bill payments. That’s why we offer preauthorized debits that ensure that funds are automatically transferred from your business account to the vendor on time every month. Just come into our branch to fill out a simple form to get set up for preauthorized debits and you’ll never have to worry about remembering to make bill payment dates again. Electronic Funds Transfer If you need to transfer money to another financial institution in Saskatchewan or Canada, or even the Ukraine, we can make it happen quickly and easily with an electronic funds transfer (money wire). Contact us us today. We’ll be happy to help you get your funds wherever you want, on time. eStatements When you choose to receive your monthly account statements electronically rather than through the mail, you’re doing more than saving a tree. You’ll also be able to view archived imaged statements for the past 18 months. Everything you need to review and keep track of your finances will be at your fingertips, rather than hiding in your filing cabinet or stacked in your ‘to-be-filed’ pile. We’ll also need you to sign a consent form, giving us permission to discontinue your paper statements. To learn more about how to sign up for eStatements, contact us. We’re happy to help.