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Free Business Checking

Free Business Checking

Now earn .50% APY² 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 - get .50% APY² with Business Earn More.¹
DCU Visa® Debit Cards - Up to 4 per business account. (Upon Approval)
Unlimited check writing - 20 deposits free per day, 10¢ per item processing charge above 20.
DCU Digital Banking - Access your accounts, pay bills, deposit checks, and more – from the DCU mobile app or dcu.org.
AS HIGH AS
0.50% APY²
RATINGS
4.5 4.5 / 5 stars

MINIMUM TO OPEN

$0.00

MONTHLY MAINTENANCE FEE

$0.00

Free Business Checking with Business Earn More

An account that works for you.

Minimum Daily Balance to earn Minimum Daily Balance to earn Interest Rate¹ Interest Rate¹ APY² APY²
$0.01 0.50% 0.50%
Minimum Daily Balance to earn Minimum Daily Balance to earn Interest Rate¹ Interest Rate¹ APY² APY²
$0.01 0.50% 0.50%

¹ Since Business Earn More is a sweep feature, eligible balances are automatically swept out to interest-bearing FDIC insured deposit accounts held at participating institutions throughout the country.  Balances up to the amount of the Maximum Insured Deposit Amount (currently $2,500,000.00) will be eligible for FDIC insurance coverage. You will still have access to your Free Business Checking account funds.

²APY = Annual Percentage Yield. Rates are variable and may change from time to time. Interest begins to accrue no later than the “day of deposit” (as this term is defined in DCU’s Business Account Agreement).

The Business Earn More feature is only available for one Free Business Checking account per membership. Fees or other conditions may reduce earnings. Rate is accurate as of November 23, 2020.

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

Centennial Bank

9.09%

Metropolitan Commercial Bank

9.09%

Texas Capital Bank

9.09%

Citibank N.A.

9.09%

Comerica Bank

9.09%

Peapack Gladstone Bank Trust

9.09%

Morgan Stanley Bank

9.09%

Morgan Stanley Private Bank

9.09%

Wintrust Bank N.A.

9.09%

The Bancorp Bank

9.09%

TCF National Bank

9.09%

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

What Our Members Are Saying

Great to do business with

RATINGS 5 5 / 5 stars

Recently opened up an account with DCU for my small business. Signing up and getting all the information for the account was so easy. They do not charge you for maintenance fees, or other unnecessary charges. I’m so glad that DCU plays a role in my business.

Jeannot16 - Metheun, MA

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Excellent for a new business

RATINGS 5 5 / 5 stars

The features and benefits of a DCU business account make the decision of where to bank a no brainer. So many banks charge fees for everything while DCU offers most things free with your account allowing you to grow your business (and your savings account).

NewBiz - Twin Cities, MN

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DCU has me covered

RATINGS 5 5 / 5 stars

As a young entrepreneur who's just starting out, I trust putting my business banking needs in the hands of DCU. They've always been completely transparent with me on what to expect from their services and that goes a long way.

Jordan - Worcester, MA

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