Whether you’re just getting started or continuing to grow, we understand the importance of having a strong financial partner that you can trust. That’s why we’ve designed a wide-range of business products and services coupled with competitive pricing, local decisions and excellent service with your success ― and time ― in mind.
Business Checking Accounts
At DCU, we understand your need for a trusted financial partner to achieve the level of success you deserve. That’s why we offer a choice of accounts to help you manage your resources more effectively and simplify your cash management.
Choose from our three business checking accounts and find the one that fits your business best. Call Dave today and learn the personalized financial support DCU members have come to expect.
- $500 minimum balance
- $10 monthly fee if average daily balance falls below $500
- First 250 transactions free per monthly fee period
- After 250 transactions, $.20 per transaction per monthly fee period
- No minimum balance
- No monthly fees
- First 150 transactions free per monthly fee period
- After 150 transactions, $.20 per transaction per monthly fee period
- No minimum balance
- No monthly fees
Value-added benefits for all business accounts include:
- Visa business debit card
- Secure online banking
- Mobile deposits
- Direct deposits
- Account alerts
- Two incoming domestic wire transfer per monthly fee period
- Waived ATM access for two domestic (U.S.) non-DCU ATM cash withdrawals per monthly fee period
Business Loans from Diversified Credit Union
DCU is interested in helping you grow your business. Because we’re member owned, decisions are made quickly and locally plus all of the money we receive goes straight back to the membership, in the form of lower loan rates on commercial loans and business lines of credit. So whether you need to finance inventory, purchase equipment, purchase or refinance your commercial property, or get working capital, DCU is your lending partner.
From day-to-day operations to financing large projects, DCU offers the following business loans:
- Visa Business Credit Card
- Business Lines of Credit (Secured and Unsecured)
- Overdraft protection for your business checking
- Bridge gaps between accounts receivable and accounts payable
- Business Term Loans
- Commercial Real Estate Loan
- Commercial Construction
- Business Equipment
- Business Expansion
- Existing Business Purchase
- Small Business Administration (SBA) 7a Loan
- SBA 504 Program Loan
- Business Auto and Commercial Vehicle Loans
Merchant Card Services
If you’re in need of a secure payment solution for your business that offers a wide variety of payment options and helps increase your cash flow potential, we have a solution. DCU has partnered with First Data ― the worldwide leader in card payment processing ― to bring you convenient and flexible payment solutions to help manage your payment processing needs.
Whether it is debit and credit card (including EMV® chip cards) acceptance, a gift card program, wireless terminals, cell phone payment capability, or high-speed terminals, First Data offers the secure payment processing you want.
Merchant Services Benefits:
- Leading edge technologies
- Customized payment solutions
- No hidden fees
- No long-term contracts
- Industry leader with in-depth knowledge of electronic payments
- Uncompromising service
Just submit your current merchant statement and learn how much you can save on a payment processing solution that fits your needs! You will receive a Visa® gift card if First Data is unable to match or do better than your current payment processing rate.
Merchant services are great for all types of industries that sell goods and/or services including:
- Retail establishments
- Home-based businesses
- Mail-order companies
- Internet merchants
- Professional services
- Any other type of business
Business Visa® Card
As a small business owner, you understand that separating your business expenses from your personal finances is a necessity. Now you can track and organize your spending with the Diversified Credit Union’s VISA® business credit card. Our business credit cards now feature chip technology, which is the new industry standard to help reduce credit card fraud and to provide increased security for your credit card transactions.
ANNUAL PERCENTAGE RATE (APR) | 10.65%-23.25% is the current business APR for purchases, balance transfers and cash advances. The APR is based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
REWARDS | You work hard for your money, and you manage it well—you deserve to be rewarded! With a Diversified Credit Union VISA® business credit card you get to choose how to redeem the points you earn while making your everyday purchases. Reward points can be redeemed for cash back, airline tickets, cruises, hotels and merchandise.
LOW RATE | Every dollar matters to you. Your Diversified VISA® business credit card brings you our best value to help you save on your purchases. Our card charges no annual fees with an industry low APR, saving you even more.