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What Can DCU Save You?

DCU Business Checking

You can save your business hundreds in fees each year

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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 4.6 out of 5 by 111.
Rated 5 out of 5 by from I love the service here! DCU offers excellent services like free checking with no minimum balance, but what I love most of all is the service. I can walk right in to my local branch to have any number of questions answered or services performed (free notary, asking about loans, seeing how I can further invest in my community), I never have to wait very long, and the employees are knowledgeable and friendly. It feels good keeping my money locally and knowing I’m being cared for as a customer.
Date published: 2017-12-09
Rated 5 out of 5 by from Account services Account services are great would definitely recommend to folks I know.
Date published: 2017-10-28
Rated 5 out of 5 by from Has great value The person, Mrs. Lucky, was so professional, congratulations for her job, excellent.
Date published: 2017-10-21
Rated 5 out of 5 by from Excellent client services and happy employees! Love DCU!! Excellent client services and happy employees! Love DCU!! Fast service.
Date published: 2017-10-01
Rated 5 out of 5 by from Just a really good bank I've used DCU for 4 years, so I put my business account there, too. The bank is very convenient, offers the same services as the 'big guys' but has the friendliness of a local bank. No fees like the big banks charge. Free is really free. Instead of paying fees, I make money from my accounts. I'll never use a large traditional banks again.
Date published: 2017-09-30
Rated 5 out of 5 by from Excellent free checking services. Excellent free checking services. Knowledgeable customer reps. Lower credit card rate
Date published: 2017-09-26
Rated 5 out of 5 by from Love the value and customer friendly user interface(mobile app, website etc) You tend to stay ahead of the rest of the pack when it comes to customer service, technology, value, speed to market and low rates.
Date published: 2017-08-27
Rated 5 out of 5 by from DCU has me covered from personal banking to business 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. Their services are simple and straightforward, and customer service exceptional, how it's supposed to be. If you are looking for a potential banking option for your business I would recommend considering DCU as an option I feel that you might be satisfied with them.
Date published: 2017-07-09
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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

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

Is there a fee for opening a personal or business checking account?

Asked by: DCU Member
Not that I am aware of.
Answered by: Debbie
Date published: 2013-10-23

Can I view my personal and business accounts under same login and transfer funds between the two electronically?

Can we transfer funds from DCU personal checking account to DCU business checking account and vice versa electronically? The type of business is LLC partnership and both the partners in business account are spouses (husband and wife) and they are also the joint owners of the DCU personal checking / savings account.
Asked by: Vilas
Yes, if everything is the same with both partners (same names listed for personal and business accounts). I have DCU PERSONAL checking and savings accounts, a BUSINESS (sole proprietorship) checking and savings accounts and a IRA account. Under my personal login, I see my 2 personal accounts, 2 business accounts and my IRA. I can also made transfers electronically between both personal and business checking and savings accounts (except my IRA). Now, you will need to call DCU customer service to have all the accounts shown together under ONE login; probably for both partners account logins. I would suggest using the "personal" checking/savings account login. Reason: I have been a DCU member since 1990, and have kept the same personal checking/savings accounts; but have had 3 different businesses. Those business names were closed and new business accounts added under my "personal" checking/saving login. I hope this helps.
Answered by: Monica
Date published: 2015-03-07

If I have a DCU business checking account but no DCU branch nearby how do I deposit checks I receive.

I am planning on opening a DCU business checking account. My business will do work all over the US. If I am not in Mass or near a DCU branch how do I deposit checks I receive? Can I use the ATM card to deposit in non DCU ATMs?
Asked by: Geno
You can deposit checks using your computer, phone, or iPad. You just take a picture of the checks, and submit them for review. It's faster than going to a bank down the street. Usually the funds are available within an hour, as long as they are submitted early enough in the day. Their speed and efficiency in cashing checks is one of my primary reasons for using this bank.
Answered by: Sn
Date published: 2013-10-23
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"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

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