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Personal and Business Banking

Premier Business Checking

Earn High Tiered Dividends

  • Features
  • Details
  • Rates
  • Reviews
  • Open Now
  • Resources


Premier Business Checking Benefits

  • Earn competitive tiered dividends on your entire daily balance
  • 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, be free of fees etc., and one that I could trust. I have found that in DCU. Close quote

— Lean LLC, Athens, Alabama

Premier Business Checking Details

If you keep $20,000 or more in your account, you'll earn high dividends and save on small business checking account fees with DCU Premier Business Checking. Plus it's loaded with great benefits and free services banks love to charge your business for.

  • Earn competitive tiered dividends on your entire daily balance – Dividends are compounded daily and paid monthly based on your daily balance. The dividend rate you earn is based on rate tier your balance falls each day.
  • You account is free when you maintain your daily balance at $20,000 or more – If it drops below during the month, there is a flat $25 fee for that month.
  • 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, Schedule of Fees and Service Charges and Electronic Services Disclosure and Agreements.

Premier Business Checking Rates

Minimum / Terms Dividend Rate Annual Percentage Yield
When daily balance is $400,000 or more 0.20% 0.20%
When daily balance is $150,000 to $399,999 0.15% 0.15%
When daily balance is $75,000 to $149,999 0.10% 0.10%
When daily balance is $20,000 to $74,999 0.05% 0.05%

Rates are effective .

Please refer to DCU's Truth-in-Savings Disclosures and Account Agreements.

Premier Business Checking Fees

Premier Checking

Item Fee
Premier Checking
If daily balance of at least $20,000 maintained during the month.
Premier Checking
Fee charged If daily balance falls below $20,000 during the month.

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).

Premier Business Checking is rated 4.0 out of 5 by 3.
Rated 5 out of 5 by from buisnessay loan The quickest response than any of the 4 banks I delt with prior. Friendly helpfull.
Date published: 2014-11-01
Rated 5 out of 5 by from DCU delivers We love DCU. They do what they say and all services really are free.
Date published: 2014-01-21
Rated 2 out of 5 by from difficult to obtain antiquated requirements for business accounts - makes using a business account almost impossible
Date published: 2014-04-26
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What is my membership number

I received my welcome letter and pin, but I can't figure out what my membership number is. I'm anxious to get online so I can order checks that are needed at my company to set up direct deposit and I also have money I'd like to deposit into my accounts.
Asked by: Becca
Your Membership Number is sent to you by mail, seperate from your PIN. If it has been over 10 business days since your membership was opened please contact us by phone for assistance with having another copy sent out.
Answered by: DCU Staff
Date published: 2015-08-22

Is the member number different than the account number?

Asked by: Calvin
Yes, member numbers and Checking account numbers are entirely different.
Answered by: DCU Staff
Date published: 2014-10-25
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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 explain 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

Easy Ways To Apply Today

Refer to the Resources tab and complete the appropriate Business Account Application to open your account today. For more information about DCU Premier Business Checking or other products and services, visit your nearest 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 in 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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