Business Services

Partners you count on.

Our trusted partners provide your business with services designed to save you time and money.

Business Insurance

Avoid Paying Too Much for Your Business Insurance

With insight gained from years of working with small businesses in Michigan, our insurance partners from Members Business and Benefits (MBB) help guide your next business insurance decision. For more than 30 years, MBB, and its parent company, Hershey Insurance Group, has provided insurance and loss-control consulting services to business owners like you. MBB's full business insurance and employee benefit programs include:

  • General Liability
  • Workers Compensation & Employers Liability
  • Commercial Auto & Property
  • Professional Liability/Directors & Officers
  • Employment Practices Liability
  • Group Medical, Dental, Vision
  • Disability
  • Contact us for more information

Human Resource and Payroll Services

Save Time, Reduce Costs, Stay Compliant

PayEntry Technologies develops products and services to help human resource departments reduce burdens, lower costs, stay compliant and become active contributors to your strategic goals. No business client is too small--from one employee to thousands--PayEntry has a customized solution for your business.

  • PayEntry Payroll™ offers a full-featured payroll system with tax compliance guaranteed
  • PayEntry Ben Admin™ includes employee initiated changes, eligibility management and bill reconciliation
  • PayEntry Integrated Solutions™ provides a comprehensive system with all the advantages of PayEntry Payroll and PayEntry Ben Admin
  • Fee structures: flat fee, per person, per month–no hidden charges
  • Contact us for more information

Merchant Services

Accept all major payment types with the global leader in merchant services.

Whether your customers shop in store, online or on the go, they want convenient experiences that let them shop seamlessly and pay with ease. We offer everything merchnats need to help serve your customers better, grow sales and simplify the way you run your business.

No matter what type of small bsuiness you run, credit card processing is an integral part of your operations. You need simple, secure, and innovative small business credit card solutions to help you solve the unique challenges you face. 

Take your business to the next level with the right point of sale solution. Not only can our point of sale (POS) solutions help you securely accept payments, they can also help you manage your entire operation. 

From tracking inventory to scheduling employees to marketing to customers, each of our POS solutions for small business owners delivers and integrated experience that can make running your bsuiness easier and smarter. Built in payments, combined with hundreds of business management apps, enable your Clover POS system to scale with your growing needs. 


Zero Balance Accounts

Consolidate funds in your business’s primary operating account while automating transfers between collection and disbursement accounts. At the end of each business day, an automated transfer is made between the operating account and designated ZBA, bringing the ZBA to a $0.00 balance.

  • Consolidate funds in the operating account, maximizing Earnings Credit potential
  • Eliminate the need for manual transfers and prevent overdrafts
  • Streamline account reconciliation
  • Contact us for more information

ACH Services

An Easy and Secure Solution for Your Electronic Transactions 

Accessed through Business DFCU Online, ACH (Automated Clearing House) origination is a computer-based clearing and settlement process to electronically move funds from one account to another of different ownership. Through client support provided by our partners at The Clearing House Payments Authority (TCHPA), our ACH Services makes it easier for businesses to manage electronic transactions and track finances including:

  • Payroll deposit
  • Tax payments
  • Set up and schedule single or recurring payments to vendors
  • Collections from customers
  • Assign unique ACH transactional rights to individual users
To begin the ACH application process:
Download and complete the ACH Origination Application, then submit your application documents your way: Additional Information  

Remote Deposit Capture

A Better Way to Deposit Checks

Depositing checks from your customers to your business account can be very rewarding. Driving to the branch multiple times a week to do it? Not so much. Remote Deposit Capture (RDC) From DFCU Business Banking is the solution you've been waiting for. 

RDC is a secure online service that enables you to scan paper checks from your home or business and deposit them electronically to your DFCU business account in minutes.*

  • Save time and money. No more time wasted driving to a branch and waiting in line for a teller to complete the deposit.
  • RDC is open 24/7. Deposit checks any time, day or night -- even on weekends and holidays.
  • Simpler is better. With easy access from any remote office or storefront, your operations are streamlined and simpler. 
  • Safer is better, too. RDC employs multiple layers of security, including password protection, secure access codes, firewalls and the latest encryption.
To begin the Remote Deposit Capture application process:
Download and complete the Business Remote Deposit Capture Application, then submit your application documents your way: Additional Information:
*In most cases, checks will be available according to our Funds Availability Disclosure Policy.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

DFCU Financial - Copyright © 2020 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA account, and that it be open when Cash Back is deposited. Cash Back to Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.