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Business Checking

At large banks, just selecting an account can be a complex decision. At DCFCU, we keep it simple. We offer just two business checking accounts, a Business Basic and a Business Builder, making it easy to choose the right account to meet the growing needs of your business.

A perfect account for established businesses who are serious about taking their business to a whole new level and who normally maintain a minimum balance of at least $1,000.

  • Reduction or waiver of fees on a variety of business services.
  • A Bonus Rate on a Business High Yield Savings Account.
  • With our unique Business Builder Benefits program, YOU get to choose the benefit that will help you in your efforts to build your business.

Business Builder Checking
Effective Date: Thursday, October 29th, 2020
Minimum Balance $1,000.00
Minimum Balance Fee $10.00
Transaction Allowance Unlimited
Per Transaction Fee None
Per Item Fee None
Monthly Service Charge None
Annual "Business Builder" Benefit Yes
Interest-Bearing Yes
Online Banking FREE
Online Bill Pay FREE
VISA Debit Card FREE
Notary Service FREE
Wire Transfer-Incoming FREE
Wire Transfer-Outgoing $10.00
Foreign Wire Transfer $30.00
Returned Item Fee $5.00
Check Printing Varies
Overdraft Protection Available
Payroll Services Available
Merchant Services Available
Business VISA Credit Card 1% Cash Back
Bonus Rate on High Yield Savings +.25%

Business Builder Benefits:

One of the greatest advantages of the Business Builder Checking account is Downriver Community's unique Business Builder Benefits program, which allows you to select an annual benefit each year to help further grow your business. Every year you'll have the option to either renew your existing benefit, or select a new annual benefit based on the current needs of your business. Be sure to check back often, as we're always updating our list of benefits to better serve your business.

You can choose from:

  • Free checks and checking supplies (up to $120).
  • Free Sponsorship of 2 Grow Your Business Workshops or the Annual Business Conference.
  • Exclusive business offers from other DCFCU business members.
  • Reimbursement of membership dues with participating chambers and business associations (up to $120)
    • Downriver and Detroit Business Association (For membership information, contact Laura Wyatt at 313-595-2624 or visit
    • Southern Wayne County Regional Chamber (For membership information, call 734-284-6000 or visit

As part of the Business Builder Benefits program, you also have the opportunity to offer your products or services as a benefit to other DCFCU business members. For more information, please contact Mark Tremper at 313.460.0438 or by email at

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