We are truly local

Serving businesses in Niagara is what we do. And our Commercial Account Managers are here to help.

Meet the team

Online Banking

Visit PenFinancial Online Banking to securely manage your accounts.


Sign into other services


Qtrade Guided Portfolios →
Qtrade Direct Investing →


I'm Looking to...


Open an account

Hammer Icon

Finance a project


Get a credit card


Meet the team


Business banking that's truly local.

Niagara has a rich history and a unique economy. Whether you’re a business owner in downtown St. Catharines, a tender fruit grower in Niagara-on-the-Lake, or a winery owner in on the Beamsville Bench — as a business owner in Niagara, you deserve to get the most out of your banking experiences.

PenFinancial has a unique approach to business and agricultural banking: we take the time to care. What does this mean for you?

  • Getting products and services that fit your needs. Our business banking team will take the time to get to know you and then customize services that make sense for you and your Niagara business.
  • Receiving genuine advice. You can expect advice and decisions based on character, not just numbers. Your business or farm impacts the economic fabric of the Niagara Region – so everyone wins when you and your business succeed. Let’s look at the big picture together. 
  • Benefitting from locally-made decisions. You can expect rapid responses and approvals. Less waiting, more growing!

Meet the Commerical Business Team

Banking at PenFi is about more than money.

It’s about financial solutions that generate prosperity for you and your community.

Our Truly Local Commitment is the heart and soul of our philosophy, where we believe the prosperity of our Members and our communities go hand in hand.  Each year, we commit a portion of our profits to support truly local initiatives that help our communities thrive.  We're also a proud living wage employer, and we are a Certified B Corporation committed to using business as a force for good.  There are just a few of the ways we're invested in you and your community.

Learn about our TLC