Business Checking

We'll take care of your banking. You take care of your business.

We created a simplified checking solution to help businesses save time and avoid costly mistakes.

Business Checking

For businesses with low monthly transaction volume

  • No fees for the first 125 transactions
  • No minimum balance required
  • Business Premium Overdraft Protection–must qualify; some restrictions apply
  • Business Cash Back loyalty reward--our way of thanking you for choosing us

Business Interest Checking Plus

Interest-bearing business checking account

  • No fees for the first 250 transactions
  • Minimum balance required to avoid monthly fee
  • Business Premium Overdraft Protection–must qualify; some restrictions apply
  • Business Cash Back loyalty reward--our way of thanking you for choosing us

Note: our business products could also pay Cash Back to qualified members each January.

Cash Back is one-half percent (0.50%) of your average yearly business loan and deposit balances. Example: For every $100,000 in average yearly business loan and deposit balances, receive $500 in Cash Back!

How to Open a Business Deposit Account

Special Services for Business Checking Accounts

Business debit Mastercard® 
Business Premium Overdraft Protection (BPOD)
  • Available to qualified businesses for the rare occasion when funds run short
  • BPOD allows select businesses to overdraw a DFCU Business Checking account by up to $500, or DFCU Business Checking Plus account by up to $750; per item fees apply
  • For business checking accounts and/or a debit card transactions that require more funds than are available, BPOD saves you from merchant fees on returned items and the hassle of returned checks
  • BPOD doesn't replace overdraft coverage on draw accounts but is accessed only if accounts do not have funds available to cover a transaction
  • Business signers may opt out of BPOD at any time by visiting a DFCU branch

Tier APY1
$0 to $2,499  0.01%
$2,500 to $9,999  0.01%
$10,000 to $24,999  0.01%
$25,000 to $49,999  0.01%
$50,000 to $74,999  0.02%
$75,000 to $99,999  0.02%
$100,000 and up  0.02% 

Rates effective as of 12/2/2022

Note: Business deposit balances NCUA federally insured up to $250,000

1Dividends are paid from current income and available earnings, after required transfers to reserves have been made. These are prospective APYs (Annual Percentage Yields) and dividend rates expected to be paid. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. All APY rates are based on $1,000 or minimum balance requirements, whichever is higher. Please refer to your statement for actual Annual Percentage Yield. All savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government by the National Credit Union Administration, a US Government agency. Rates are subject to change without notice.


NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

DFCU Financial - Copyright © 2022 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.