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DCU Routing Number: 211391825

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Free Business Checking

Save on fees. Earn interest each month with Business Earn More on your account.

At a Glance

At DCU, when we say Free Business Checking, we mean it. So, with no monthly maintenance fees or minimum balance, why wouldn’t you open an account?

Business Member Benefits

An account that works for you – Earn interest each month with Business Earn More.¹
DCU Visa® Debit Cards – Up to 4 per business account. (Upon Approval)
Unlimited check writing – No fees, no matter how many checks you write
20 free deposits per day – 10¢ per item processing charge after that
DCU Digital Banking – Access your accounts, pay bills, deposit checks, and more – from the DCU mobile app or dcu.org.
AS HIGH AS
0.10% APY²

MINIMUM TO OPEN

$0.00

MONTHLY MAINTENANCE FEE

$0.00

Free Business Checking with Business Earn More¹

An account that works for you.

Minimum Daily Balance to earn Interest/Dividend Rate
$0.01 0.10%

¹ Business Earn More is a sweep feature, which means that eligible balances up to the Maximum Program Deposit Amount (currently $2,750,000.00) will be automatically swept to FDIC and/or NCUA-insured accounts held at participating Receiving Financial Institutions. Balances that exceed the Maximum Program Deposit Amount will remain in the Business Checking Account at DCU.   You will still have access to your Free Business Checking account funds. The Business Earn More feature is only available for one Free Business Checking account per membership. The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. To review the list of the current Receiving Financial Institutions and the current Maximum Program Deposit Amount, visit https://www.dcu.org/bank/business-services/free-business-checking.html

²APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Interest and/or dividends begin to accrue no later than the “day of deposit” (as this term is defined in DCU’s Business Account Agreement). The same Interest (Dividend) Rate and APY apply to the entire account balance (including funds that remain in the Business Checking Account). Fees or other conditions may reduce earnings.

This DCU Business Earn More feature Rate Sheet is incorporated into the Business Earn More Terms and Conditions. Please refer to DCU's Business Account Agreement, and Schedule of Fees and Service Charges, for important information and disclosures regarding your Free Business Checking account and to DCU's Business Earn More Feature Terms and Conditions for additional terms and conditions on the Business Earn More feature.

Business Accounts Deposit Fees

Item Fee
20 Items or Less FREE
Over 20 Items $ .10/item

For a complete listing of all of DCU’s fees and service charges, please see the Schedule of Fees and Service Charges.

Current Participating Program Institutions:

RECEIVING FINANCIAL INSTITUTIONS^

ALLOCATION

City National Bank

8.34%

Metropolitan Commercial Bank

8.34%

Citizens Bank, NA

8.34%

Comerica Bank

8.34%

Peapack-Gladstone Bank

8.33%

First Business Bank

8.33%

Sallie Mae Bank

8.33%

BOK Financial

8.33%

HSBC Bank USA, NA

8.33%

Greenstate Credit Union

8.33%

Bell Bank

8.33%

Umpqua Bank

8.33%

^Total percentage of the allocation may not add up to 100% due to rounding.

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