Business CheckingTake Your Business Further With DFCU
Our business checking accounts are built to save you time and money. Choose the account that fits how you operate, keep more of what you earn with low fees, and earn Cash Back* on your balances.
Choose the Checking Account That’s Right for Your Business
Business Interest Checking Plus
Interest bearing account for businesses that keep a higher balance.
Make an Appointment
Non-Profit Checking
If your organization is an approved non-profit, discover the freedom of unlimited check writing without maintenance fees.
Make an Appointment
Business Checking |
Business Interest Checking Plus |
Non-Profit Checking |
|
|---|---|---|---|
| Best for |
Everyday business banking with moderate transaction volume |
Businesses that want to earn dividends on checking balances |
Qualifying non-profit organizations |
| Minimum to open |
$100 |
$100 |
$100 |
| Fee-free activity |
250 transactions/month |
500 transactions/month |
Unlimited check writing, no per-item charges |
| Earns dividends |
|
 |
|
| Overdraft protection |
BPOD available** |
BPOD available** |
See note below** |
| Cash Back eligible |
|
|
|
| Make an Appointment | Make an Appointment | Make an Appointment |
| Best for |
Everyday business banking with moderate transaction volume |
|---|---|
| Minimum to open |
$100 |
| Fee-free activity |
250 transactions/month |
| Earns dividends |
|
| Overdraft protection |
BPOD available** |
| Cash Back eligible |
|
| Best for |
Businesses that want to earn dividends on checking balances |
|---|---|
| Minimum to open |
$100 |
| Fee-free activity |
500 transactions/month |
| Earns dividends |
|
| Overdraft protection |
BPOD available** |
| Cash Back eligible |
|
| Best for |
Qualifying non-profit organizations |
|---|---|
| Minimum to open |
$100 |
| Fee-free activity |
Unlimited check writing, no per-item charges |
| Earns dividends |
|
| Overdraft protection |
See note below** |
| Cash Back eligible |
|
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.01% |
| $2,500 to $9,999 | 0.01% |
| $10,000 to $24,999 | 0.01% |
| $25,000 to $49,999 | 0.01% |
| $50,000 to $74,999 | 0.02% |
| $75,000 to $99,999 | 0.02% |
| $100,000 and up | 0.02% |
Rates effective as of 08/03/2026
Business Interest Checking Plus Rates
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
Business debit Mastercard®
Your business debit Mastercard gives your team fast, secure access to your DFCU accounts without a trip to the branch with access to 1,700 ATMs.
Business Switch Kit
Considering a switch? Our experts will help you determine which business accounts and services best meet your banking needs and maximize business efficiency and effectiveness.
Business Premium Overdraft Protection (BPOD)
BPOD allows select businesses to overdraw a DFCU Business Checking account by up to $500, or DFCU Business Interest Checking Plus account by up to $750.
Frequently Asked Questions
Switching banks sounds like a hassle. We make sure it isn’t. Our business banking team handles the details so your business doesn’t miss a beat.
Here’s how it works:
- Assess your current banking needs. Stop by any of our locations and we will assess your current banking needs, match your business’s needs to a DFCU business deposit solution and answer your questions about switching your business accounts to us.
- Gather documentation. Please have the documents needed to open your business deposit account based on the legal type of business you operate: Documents Required to Open an Account
- Open your account(s). Forms and signatures are a necessary part of the account opening process. All owners of the business must sign the Business Resolution and a Business Membership Application (forms below).
Signature verification is required for all signers on the account, i.e., copy of valid driver’s license, etc.
The business must reside or be located within Michigan’s lower peninsula or in one of the approved counties in Florida. If the business is not located within our field of membership, eligibility will be determined by the owners, where more than 50% of your business owners must qualify to be a member at DFCU Financial. Business Non-Member Record
If you are moving your banking relationship from another financial institution, our representatives will help you determine which business accounts and services best meet your small business’s banking needs. During our initial conversation, we’ll explain how to use your DFCU Financial business accounts to your company’s advantage in the future.
Business Account Funding Options
Business Automatic Payment Transfers Checklist
Automatic Payment Transfers Packet
Common Electronic Payment Contact Information
We’ll work with you to identify automatic payments transferred from your existing business account(s) and provide you with the necessary letters to make the transition to DFCU. We’ll generate a letter for you to submit to your current financial institution to close your existing business account(s). Start to finish, we’re here to guide you through the steps necessary to complete the switch:
- Updating account information on websites you use often
- Switching online bill-pay service, if applicable
- Changing recurring transactions linked to an existing debit card.
- Business Switch Kit Checklist
To start this process, visit your local DFCU Branch Office.
Cash Back is DFCU Financial’s way of sharing our success with the members who make it possible – and we’ve paid it every year since 2007. If your business qualifies, we calculate Cash Back* as 0.25% of your average yearly business deposit balance and deposit it directly into your account each January.
Have your business account number handy then call our trusted partners at: Harland Clarke® Business Solutions: 800.503.2345
DFCU Financial routing number: 072486791
Bank Smarter With These Solutions
Support You Can Count On
Whether you’re ready to join or just have questions, our team is here to help you move forward with confidence.
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Learn More**Business Premium Overdraft Protection is available to qualified businesses; some restrictions apply. Per-item fees apply to BPOD transactions.
Note: Business deposit balances are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government agency.
1Dividends are paid from current income and available earnings, after required transfers to reserves have been made. These are prospective APYs (Annual Percentage Yields) and dividend rates expected to be paid. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term, even if the minimum balance for the next tier is met. All APY rates are based on $1,000 or minimum balance requirements, whichever is higher. Please refer to your statement for the actual Annual Percentage Yield. All savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government by the National Credit Union Administration, a US Government agency. Rates are subject to change without notice.
