Banking · default online

Default online. Walk-in on request.

BITRAGE.AI defaults every customer to an all-online business account. Three online options below — pick the one that matches your style. Walk-in to a branch is available if you ask for it. Same opening package either way (articles, GST/CRA Business Number letter, ID requirements, signing authority, initial deposit guidance).

Disclosure. Path A (RBC business banking via the Ownr incorporation flow) is the default because of the $300 cashback and because most customers prefer to handle incorporation + banking in one wizard. BITRAGE.AI receives no commission from any bank for the account itself. We do earn a small referral fee from Ownr if you incorporate through our partner link (which is what unlocks the RBC $300 cashback). You are not locked in — Float (Path B), EQ Bank (Path C, coming soon), or any other Canadian bank are all valid choices. Bank selection is your decision.

DEFAULT · ONLINE · RBC + OWNR

RBC Royal Bank business banking (via the Ownr flow)

Opened during the same Ownr incorporation wizard. National scale, full digital tools, $300 cashback offer.

~20 min

Online application paired with incorporation; account active in 1-3 business days. Standard RBC business chequing fees apply.

+ $300 CAD cashback when you open an RBC business account within 60 days of registering with Ownr.

✓ Opened in the same flow as your incorporation — no second wizard
✓ Active in 1-3 business days alongside your corp filing
✓ National scale — branches in every Alberta city if you ever want walk-in service later
✓ Full digital tools: RBC Online Banking for Business, e-Transfer, mobile cheque deposit, business credit card lineup
✓ Direct path to overdraft, business loan, GICs, merchant services as you grow
✓ Plaid / Flinks bank-feed integration into Wave Accounting
⚠ Standard business chequing monthly fee ($6-25 depending on tier; first 3-12 months often waived)

Start the Ownr+RBC flow →

ONLINE · FINTECH · NO MONTHLY FEE

Float Financial (Canadian fintech)

CAD + USD accounts in one app. Open in 15 min. No monthly fees on the basic tier.

~15 min

Online application, ID verification by camera, debit card mailed in days

✓ Fully online — no branch visit
✓ CAD and USD accounts in one dashboard (great for selling on Stripe)
✓ Open API — your bank balance auto-syncs to the BITRAGE.AI runway endpoint
✓ Founder-friendly fee structure — $0 monthly on basic tier
✓ e-Transfer, virtual cards, expense tracking included
⚠ No $300 RBC cashback (that requires the Ownr+RBC path)
⚠ Newer institution — not the right fit if you need overdraft, business loans, or rural community trust

Open Float account →

ONLINE · COMING SOON

EQ Bank Small Business

Online application, real bank with deposit insurance, GICs and business savings at competitive rates.

~20 min

Online application, 1-3 business days for approval. $0 monthly on basic Business Account, $5 on Pro.

✓ Fully online — like Float, no branch visit needed
✓ Real bank with CDIC deposit insurance
✓ Competitive interest on business savings + access to GICs
✓ Plaid integration via Wave for bank feeds
✓ $0 monthly fee on basic Business Account
⚠ No $300 RBC cashback (RBC-specific)
⚠ Less open API than Float — relies on CSV export + Plaid

Request EQ Bank path →

ON REQUEST · WALK-IN

Print + walk into the bank of your choice

For customers who specifically prefer in-person account opening or want a community bank/credit union.

30-60 min

In-person account opening at the branch you choose

✓ Pick any bank — RBC, ATB, Servus, Scotia, BMO, CIBC, TD, National Bank, local credit union, etc.
✓ Print-ready: articles + GST registration letter + ID requirements + signing authority form + initial deposit cheque template
✓ Step-by-step appointment prep — what to bring, what they'll ask, how to push back on upsells
✓ Local relationship — branch staff who know your business name when you walk in
⚠ Slower than online — typically 2-5 business days for full activation
⚠ Most banks charge $5-25/mo on top of transaction fees

Request the walk-in path →

If you request the walk-in path — bank options to compare

BITRAGE.AI is bank-agnostic. Here are the most common Alberta SMB choices we see customers pick. The opening package works for any of them. Walk-in is a deliberate choice — most customers go online for speed.

ATB FinancialAlberta-only Crown corp · strong Edmonton-metro presence · founder-friendly

Servus Credit UnionMember-owned · profit-share dividend · rural Alberta strong

RBC Royal BankNational scale · solid digital tools · default if you used Ownr for incorp

ScotiabankStrong USD + international transfers · good for businesses with US clients

BMONewcomer-friendly · good business credit card lineup

TD Canada TrustLong branch hours · easy student-business transition

CIBCStrong small business support · CIBC SmartBanking for Business

National BankQuebec roots · expanding AB presence · competitive small business fees

Stony Plain / Spruce Grove credit unionsHyper-local relationships · acreage corridor preferred

Side-by-side

What you compare	Default · RBC + Ownr	Online · Float	Online · EQ Bank	On request · Walk-in
Time to open	~20 min online (+1-3 days)	~15 min online	~20 min online (+1-3 days)	30-60 min in-branch (+2-5 days)
Monthly account fee	$6-25 (often waived 3-12 mo)	$0 on basic tier	$0 basic / $5 Pro	$5-25 typical
$300 RBC cashback	Yes	No	No	Only if walking into RBC
USD account	Available, separate account	Built in	Available	Bank-dependent
Branch access	Yes (RBC national)	None	None	Yes
Overdraft / loans	Full access	Limited	Limited	Bank-dependent
Bank-feed integration	Plaid / Flinks via Wave	Open API + Plaid	Plaid via Wave	Plaid / Flinks via Wave
Our recommendation	Default for everyone	If you want USD + zero fees	If you want a real bank without RBC	Only if you ask for it

What you compare

Default · RBC + Ownr

Online · Float

Online · EQ Bank

On request · Walk-in

Time to open

~20 min online (+1-3 days)

~15 min online

~20 min online (+1-3 days)

30-60 min in-branch (+2-5 days)

Monthly account fee

$6-25 (often waived 3-12 mo)

$0 on basic tier

$0 basic / $5 Pro

$5-25 typical

$300 RBC cashback

Yes

Only if walking into RBC

USD account

Available, separate account

Built in

Available

Bank-dependent

Branch access

Yes (RBC national)

None

Yes

Overdraft / loans

Full access

Limited

Bank-dependent

Bank-feed integration

Plaid / Flinks via Wave

Open API + Plaid

Plaid via Wave

Plaid / Flinks via Wave

Our recommendation

Default for everyone

If you want USD + zero fees

If you want a real bank without RBC

Only if you ask for it

What goes in the opening package (either path)

Both paths receive the same generated documents. Path A gets digital uploads; Path B gets a printed binder.

Certificate of Incorporation (or Statement of Sole Proprietor Trade Name Registration)

Articles of Incorporation + Bylaws

CRA Business Number confirmation letter

GST/HST registration confirmation

Notice of Directors / signing authority resolution

Two pieces of government-issued ID (driver's licence + passport or ID card)

Initial deposit cheque template ($100 typical)

Step-by-step appointment prep sheet (what they'll ask, how to push back on upsells)

FAQ

How fast can BITRAGE get me operating?

Day 3. Corp filed Day 1, banking + Wave + insurance live Day 1-2, full agent fleet on Day 3.

Do I keep my data if I cancel?

Yes — every account is in your legal name from minute one. See our disclosures page for the full ownership rules.

What's actually included in the pack?

Incorporation, banking, bookkeeping, insurance broker, voice receptionist, lead-qualifier, quote drafter, scheduler, customer success follow-up, SEO/local search, social media — plus 4 vertical specialists tuned to your trade.

How do you charge?

Pilot $79/mo for 3 months, then standard tier (varies by pack). CAD. No contract. Two-click cancel.

Are you Alberta-licensed for the regulatory work?

We are not a law firm. We help organize the paperwork; an Alberta-licensed registry agent or Ownr handles the actual filing. For complex situations we refer to an Alberta corporate lawyer.