JavaScript must be turned on in order for this site to display properly.

Personal and Business Banking

DCU Business Checking

You can save your business hundreds in fees each year

  • Features
  • Details
  • Reviews
  • Open Now
  • Resources


Basic Business Checking Benefits

  • No minimum balance and no monthly maintenance fees
  • Unlimited check writing
  • Business debit card*
  • Free online, mobile, and branch access
  • Federally insured to $250,000 by NCUA

*Upon approval

"Small Business Account"

Open quote I was looking for a business account that I could manage online, was free of fees, and one that I could trust. I have found that in DCU. Close quote

— Lean LLC, Athens, Alabama

Business Checking

If your business checking account is at a bank, chances are you're paying big fees or getting little for the huge minimum balance you're forced to keep. Take a close look at your statement. You're in for a shock. Do they really want your business?

When you swap your old checking account for a DCU Business Checking, you can save your business hundreds in fees each year. There are no monthly service fees and no minimum balances. You get unlimited check writing, no fees to call us, no fees to use a teller. Plus it's loaded with great benefits and free services banks love to charge your business for.

Business Checking Benefits

  • No minimum balance and no monthly maintenance fees
  • Unlimited check writing – Deposit up to 20 items per day free. Above 20, there is a 10¢ per item processing charge.
  • Business debit cardDCU Visa® Debit Card for Businesses. Up to 4 per business account.
  • Free online, mobile, and branch access – You can access your account 24 hours a day using any DCU ATM, Online Banking, and Easy Touch Telephone Teller. You can access your account in any DCU branch and make deposits online anytime with a scanner or camera in your smart phone by Online Deposit.
  • Federally insured to $250,000 by NCUALearn more about insurance on all your savings at DCU and how to maximize your coverage.

Some institutions may charge you extra to use their ATMs. To avoid surcharges, use a different ATM or make purchases with your Debit Card instead of cash.

Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, and Electronic Services Disclosure and Agreements.

Business Checking Fees

Free Checking

Item Fee
Monthly Maintenance Fee: DCU FREE Checking

No minimum balance required.

Business Accounts Deposit

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 (html) (or as a printable pdf).

Free Business Checking is rated 4.5 out of 5 by 153.
Rated 5 out of 5 by from Tyanna was superb! I needed to open a business account. Tyanna was very helpful, and really knew how to get it done.
Date published: 2019-08-19
Rated 5 out of 5 by from Opening a business account Had such a great experience opening my new business account. They are very friendly and knowledgeable and made me feel very comfortable.
Date published: 2019-06-22
Rated 5 out of 5 by from Great service! Everyone I encounter at your bank is friendly, professional, and knowledgeable. You answer my questions, and help me find the right products to fit my needs.
Date published: 2019-06-17
Rated 5 out of 5 by from Wonderful Experience I went to the DCU in Acton to open a Business Checking account and had a wonderfull banking experience. Chaitali helped me open the account and she helped me every step of the way.
Date published: 2019-06-16
Rated 5 out of 5 by from Excellent Service Great Service ! I have been a customer for 20 plus years.
Date published: 2019-05-25
Rated 5 out of 5 by from A great bank to do business with Recently opened up an account with DCU for my small business and 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. Very simple and quick and I am so glad that DCU plays a role a in my business.
Date published: 2019-04-15
Rated 5 out of 5 by from So easy to set up and use Super practical and useful for my business, So easy to set up and use!
Date published: 2019-04-14
Rated 5 out of 5 by from Excellent Service Excellent service always with a smile. Great products.
Date published: 2019-03-30
  • y_2019, m_8, d_22, h_15
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.13
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_153
  • loc_en_US, sid_13-7, prod, sort_[SortEntry(order=RATING, direction=DESCENDING), SortEntry(order=SUBMISSION_TIME, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion

The business account application says at least one member needs to be "eligible" - what does this mean exactly? And how do I become eligible?

Asked by: jy
To become a *member* of DCU (for personal, or for business banking) you need to meet the (credit union) criteria for membership. (Originally, the 'Digital' (D) in DCU referred to Digital Equipment Corp -- only employees of DEC were 'eligible'. With mergers and buyouts and a general expansion of the 'umbrella' of DCU over the years, more and more companies/organizations are now covered for DCU membership. Generally, if you work for an eligible company (primarily high tech companies) or belong to an eligible organization, you can become a member of DCU. Like all credit unions, relatives of credit union members are also eligible to join. For a business, where you may have several partners/officers/owners, DCU requires that at least of of them must be eligible. See for DCU's explanation of eligibility.
Answered by: Matt64
Date published: 2018-06-16

How can I deposit a check my employer gave me into my account?

I'm in Malden right now and is supposed to be leaving for new york in the next few hours.
Asked by: yvie
You can do it on the DCU app on your smart phone just by taking a picture of the check. Works great.
Answered by: Derek02
Date published: 2019-06-23

Can multiple checking accounts be open for same business?

If we need multiple account numbers for the same business, can we have more than one checking account open for the same business?
Asked by: Sudeep Kishan
I'm pretty sure you can open as many accounts as you want. All linked together for convenience. Just like a personal account. Make a call to be sure. I have 3 personal and 2 business and I can transfer freely from any one to any one.
Answered by: John L
Date published: 2017-12-02

Is Mobile Banking available with the Business Checking account?

Asked by: Matt
Yes - just like personal banking at DCU, you will open a business banking *membership* (with associated member number -- log into the mobile banking app with that member number, and the app works just like it does for personal banking.
Answered by: Matt64
Date published: 2018-06-16

A check I wrote was deposited in an account in another country. When will it clear DCU?

Asked by: DCU Member
I have done this before long time ago. It took me close to a month to have the whole process done. The time may have come down now, however.
Answered by: Abby
Date published: 2013-10-23
  • y_2019, m_8, d_22, h_15CST
  • bvseo_bulk, prod_bvqa, vn_bulk_2.0.13
  • cp_1, bvpage1
  • co_hasquestionsanswers, tq_25
  • loc_en_US, sid_13-7, prod, sort_[SortEntry(order=LOCALE, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING), SortEntry(order=NUM_ANSWERS, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion

"Kept DCU For My Business, Been A Member Over 10 Years!"

Open quote Can't imagine using another bank. Their hours are great for small business owners and the lack of unnecessary fees explains why they are so easy to work with. Never a hassle! I recommend DCU to any friend, family, and even other business owners! Close quote

— Veteran HVAC, Clinton, Massachusetts

Open a Business Checking Account Today

Refer to the Resources tab and complete the appropriate Business Account Application to open your account today. For more information about DCU Business Checking or other products and services, visit your nearest DCU branch or call the Information Center at 508.263.6700 or 800.328.8797.

"Excellent Service"

Open quote Having earlier been a member of DCU, I opened my own company and opted for DCU for my Business accounts. I looked at other options but none were as customer friendly as DCU. A lot of features on their website you will not get at other banks. Their rates for loans are low and hassle free to obtain. I would definitely recommend DCU. Close quote

— Abby, Newton, Massachusetts

Related Links and Forms