Business Checking
Move Money Without the Business of Fees
Focus on growth, not bank charges—free business checking with unlimited transactions, no monthly fees, instant debit cards, and the digital tools that keep you moving forward.
Free Business Checking
Every Dollar Stays Where It Belongs: With Your Business
Traditional banks nickel-and-dime businesses with maintenance fees, per-transaction charges, and minimum balance requirements that drain working capital. DFCU takes a different approach, we believe your money should fuel growth, not feed bank profits. That's why our business checking is genuinely free, with no asterisks or fine print surprises.
No account origination fee
to get started
Unlimited transactions
Checks, ACH, deposits, transfers
Zero monthly maintenance fees
regardless of balance
Free business debit card
issued instantly at branches
NCUA insured
for complete peace of mind
Mobile deposits
included at no extra charge
Finally, checking that respects your bottom line.
Modern Banking Tools
Run Your Business From Anywhere
Your business moves fast—and your banking should too. DFCU's modern digital tools help you manage every dollar in real time, from the office, the job site, or the road.
Deposit checks with a quick photo, pay bills online, and track spending through QuickBooks integration. With 24/7 access via desktop or mobile app, your finances stay at your fingertips, wherever business takes you. Banking that moves at the speed of business.
Nationwide Access Network
Your Business Goes Everywhere: So Does Your Banking
Whether you're a contractor working across state lines, a consultant traveling to clients, or a local business with national ambitions, your money stays accessible. With one of the nation's largest ATM networks and thousands of shared branches, you're never far from full banking services—all without the fees that eat into profits.
13 Utah branches
For local, personal service.
5,000+ shared branches
Through CO-OP network.
30,000+ fee-free ATMs
Across the country.
2 mobile apps
For iOS and Android devices.
Coast-to-coast access without coast-to-coast fees.
Business Visa Debit Cards
Instant Issue Cards With Enterprise Control
Simplify business spending while maintaining control. DFCU's Business Visa® Debit Cards let you manage purchases, set limits, and track transactions—all in one secure platform.
Cards are issued instantly at any branch, accepted worldwide, and compatible with Apple Pay®, Google Wallet™, and Samsung Pay®. Real-time alerts and fraud protection keep every transaction secure. Empower employees to spend responsibly with full visibility and control.
Simple Account Opening
Get Started With Just Two Requirements
We make opening your business account as simple as running your business should be. All it takes is a $5 business savings account and basic business verification. You can open your account in-branch, online, or even schedule an on-site visit with our Business Services team.
Our specialists are available Monday through Friday, 9 AM–5 PM to help you get started quickly and confidently. Real bankers who understand real business needs.
Give Your Business the Financial Foundation It Deserves
Stop paying for the privilege of accessing your own money. With truly free business checking, unlimited transactions, and tools that integrate with how you already work, DFCU helps businesses thrive without the typical banking burden. Join Utah businesses that discovered better.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
No monthly fees or per-transaction charges. Free business debit cards with instant issue. QuickBooks compatible. Mobile deposits included. Federally insured by NCUA. Business Services available weekdays 9am-5pm. Phone 801-456-7060 for general business inquiries. Membership and eligibility required.