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. At DFCU, we believe your money should fuel your business’s growth—not bank profits. That’s why our Business Checking is designed to help you keep more of what you earn, without the fees that get in the way.
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 digital banking tools help you manage your finances from the office, the job site, or wherever business takes you.
Deposit checks in the DFCU mobile app with a quick photo, pay bills online, and connect with QuickBooks to keep your finances organized. With secure 24/7 access from your desktop or mobile device, your business is always within reach.
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
Simple Requirements to Open Accounts
We make opening your business account simple. A $5 minimum balance requirement and basic business and owner verification are required. Open your account in-branch or through 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 to access your own money. With no monthly maintenance fees, unlimited transactions, and business banking tools that fit the way you work, DFCU helps your business keep more of what it earns. Discover why more Utah businesses are making the switch.
Become a Member Today
Church members and immediate family members can join the credit union.
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.