Special High-Risk Entity Members (SHREM)

Empowering high-risk businesses

SOLUTIONS FOR ALL BUSINESSES

Experience the Luminus advantage

At Luminus Financial, we understand that success often lies at the intersection of risk and innovation. That's why we're proud to introduce our Special High-Risk Entity Member business accounts, tailored specifically for enterprises operating in high-risk industries.

Why choose Luminus Financial?

Tailored solutions

Our Special High-Risk Entity Member accounts are designed to provide you with the financial tools and flexibility needed to thrive in your industry.

Compliance expertise

Luminus Financial has a team of experts well-versed in the regulatory requirements of businesses like yours, ensuring that you remain compliant and focused on growth.

Personalized service

Our dedicated account managers are committed to understanding your business and providing personalized support, so you can make informed financial decisions.

Account features

Simple cheque cashing

Facilitate your day-to-day operations with our specialized cheque cashing services. Enjoy quick and secure transactions, helping you manage your cash flow efficiently.

High transaction limits

We understand that high-risk businesses often involve significant transactions. Our Special High-Risk Entity Member accounts come with elevated transaction limits, ensuring you have the flexibility needed to manage your financial activities.

Quick approval processes

Time is of the essence in your industry, and we respect that. Our streamlined application process ensures quick approval, allowing you to focus on what matters most—growing your business.

Straightforward fees

Our fee structure is designed to be clear and concise, ensuring that you know exactly what to expect. No hidden charges or unexpected surprises. See our fees.

BUSINESS BANKING YOU CAN TRUST

Get started today

Empower your high-risk business with a financial partner that understands your unique needs. Apply for a Special High-Risk Entity Member business account with Luminus Financial today and take the first step toward financial success in your industry.

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Member news & articles

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Halfway Through 2026: A No-Shame Savings Checkpoint

Halfway through the year is a good time to check in on your savings goals. Reflect on what’s working, reset what needs adjusting, and celebrate the progress you’ve already made. The goals you set in January…

When Borrowing Helps (and When It Hurts): A Real-Talk Guide to Personal Loans

Personal loans can be useful tools when used wisely, but they aren’t always the right answer. Learn when borrowing makes sense, warning signs to watch for, and how to build a repayment…

Summer on a Budget That Still Feels Like Summer

Summer fun doesn’t have to wreck your budget. Learn simple ways to plan fun-money envelopes, save on travel, and manage family costs without missing the season.

Ready to get started?

Become a member

Dear Members: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union as at December 31, 2025 and for the year then ended, please review your statement. If it does not agree with your records, please report any differences directly to our auditors, MNP LLP: Bryn Hafer, bryn.hafer@mnp.ca, (416) 617-3074.

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