Reach your financial goals with a Small Business Advisor
Tens of thousands of CFIB members enjoy exclusive discounts on small business, commercial, and personal banking—and you can join them today.
As a CFIB member, you will receive a dedicated Small Business Advisor who will help you reach your financial goals. Your advisor will help you map out strategies to improve your cash flow, reduce your expenses, and grow your business.
Choose Scotiabank®, and you can take advantage of the following offers that are exclusive to CFIB members:
Maximize your savings with Scotiabank and Chase

CFIB members can get even more savings for their business when they combine the benefits from two of our trusted partners, Scotiabank and Chase® Payment Solutions:
- Save $498/year on waived deposit fees
- Save $72/year when the minimum monthly fee is waived on the Right Size Account for business
This partnership is a perfect way to maximize the value of your CFIB membership!
Business Banking: Discounts and savings to reduce your monthly fees Show more Show less

CFIB members can receive discounts and savings on select banking products and services based on their unique banking needs. This includes:
- Minimum monthly fee waived on the Right Size Account for business
- Monthly maintenance fee waived on the Basic Business Account (CDN & USD)
- 20% off the monthly fee on the Select Account for business (Both Small Business and Commercial)
- 20% off a Scotia One Account Plan1 for agriculture
- Take advantage of the Agricultural Switch Incentive Program to reimburse legal/appraisal costs of up to 0.5% of new funds or global limit to a maximum of $5,000 on the following products:
- Scotia Farm Mortgage Loan
- Scotia Farm Legacy Mortgage
- Scotia Flex® for Agriculture
- Reduced setup fees for all business term loans and credit lines
- 0.25% interest rate discount up to Prime on select variable rate term loans, including Term Loan for business, Term Loan for business under the CSBFA program, or a Term Loan for agriculture
(Exclusions apply)
- Annual fee waived for the first year for up to two cards on the Scotiabank Visa Business Card (for commercial clients)
Personal banking: Save on bank accounts, mortgages and more
Owners of CFIB member businesses, as well as their employees, can take advantage of the following offers:
- New customers get the first 12 months free on the following accounts: Ultimate Package, Basic Plus Bank Account, Preferred Package1
Footnotes Show more Show less
1Not applicable to government guaranteed loans under CSBFA and FIMCLA. Subject to credit approval and security provided. Interest charges apply. 2A business account at Scotiabank is required. Subject to credit approval and security must be provided. Interest charges apply. 3Subject to credit approval and security must be provided. Interest charges apply. For credit lines, a business account at Scotiabank is required. Not applicable to government guaranteed loans under CSBFA and FIMCLA. Final rates cannot be below Scotiabank Prime. Prime rate subject to change. 4Scotiabank Prime refers to the Prime Lending Rate of The Bank of Nova Scotia as published from time to time. Scotiabank Prime Rate as of September 7, 2017 is 3.20% and is subject to change. 5Subject to credit approval and security provided. Interest charges apply. After 6 months, the interest rate will increase to the prevailing interest rate (as low as prime +2.49%, on an unsecured basis, effective November 1, 2013), less the 0.50% CFIB discount. Subject to change. 6Subject to credit approval and security provided. Interest charges apply. 7Subject to meeting Scotiabank and its insurers’ lending criteria. Minimum 1% discount is in comparison to regular posted rates, applies only to 5 and 7-year terms and cannot be combined with any special offer. Offer may vary without notice. 8Credit products are subject to credit approval and security provided (if applicable). Interest charges apply to them. For GICs the interest rate is compounded annually and paid annually or at maturity. The GIC bonus cannot be combined with any other offer including special rate offers and is only available on 1 year Cashable GICs and non-redeemable GICs with terms of 1 to 5 years with a $1,000 minimum investment. This GIC offer may be discontinued at any time without notice (excluding RESPs). 9 Businesses with annual revenue over $15,000,000 or with borrowing needs over $500,000 are defined as commercial banking clients by Scotiabank. ScotiaConnect® is available to commercial banking clients, but the 20% discount does not apply. For commercial banking, pricing on these products varies per business and is negotiated on a case by case basis. Commercial banking clients should contact their relationship manager.
Find out what you can save!

- 20% discount off the standard monthly fee on the Select Account for business (available to both Small Business & Commercial)
- Waived annual fee for the first year for up to two cards on the Scotiabank Visa Business Card
- Monthly fee waived on the Right Size Account and Basic Business Banking Account
or call:
1-877-878-1473
What does a membership cost?
Monthly membership fees are $34 plus $3 per employee.
Find out what this means for your business.
Want to offer more to your members? If you are responsible for an association or a group of franchisees, we offer you an incomparable alliance that will allow you to offer even more advantages to your members. We have already signed agreements with more than 120 groups across the country and their members now benefit from all CFIB services.
Learn more about group agreements.
Want to offer more to your members? If you are responsible for an association or a group of franchisees, we offer you an incomparable alliance that will allow you to offer even more advantages to your members. We have already signed agreements with more than 120 groups across the country and their members now benefit from all CFIB services.
Learn more about group agreements.