Treasury Management

Designed for active businesses with complex needs.

If your business has a high level of activity and more complex banking needs, then DFCU Commercial's treasury management services are what you need. 

Features include:

  • Competitive earnings credit rate
  • Online banking, bill pay and mobile banking at no charge
  • Incorporate Treasury Management Services available including:
    • ACH
    • Remote deposit capture
    • Zero balance accounts
    • Merchant services
  • Cash back – qualified members receive one-half percent (0.50%) on their average yearly business loan and deposit balances from the prior year

Business Savings

  • Interest-bearing savings account
  • Minimum balance of $5,000 to avoid a monthly fee
  • Business Cash Back loyalty reward--our way of thanking you for choosing us

Business Certificates

  • Interest-bearing certificate providing businesses both short- and long-term savings options
  • Low minimum amount of $1,000 to open
  • Business Cash Back loyalty reward--our way of thanking you for choosing us

Note: our business loans and credit cards could also pay Cash Back to qualified members each January.

Cash Back is one-half percent (0.50%) of your average yearly business loan and deposit balances. Example: For every $100,000 in average yearly business loan and deposit balances, receive $500 in Cash Back!

You can increase efficiency and reduce costs by collecting and disbursing payments through Automated Clearing House (ACH). This allows you to safely and conveniently issue ACH transactions through business online banking.

Features include:

  • Direct deposit of payroll
  • Vendor payments
  • State and federal tax payments
  • Mitigate payment fraud
  • Simplify account reconciliation
  • Forecast accurate cash position

Improve cash flow and make deposits without taking a trip to the branch. Utilizing a desktop scanner and business online banking, you can deposit checks at your convenience, from the comfort of your desk.

Features include:

  • Deposits made prior to 8:00 p.m. on business days receive same-day credit
  • Deposit to multiple DFCU Financial business accounts
  • Create reports and view archived check images for up to 180 days
  • Encrypted data transmission for added security

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 zero balance account (ZBA), bringing the ZBA to a $0.00 balance.

Features include:

  • Consolidate funds in the operating account, maximizing earnings credit potential
  • Eliminate the need for manual transfers and prevent overdrafts
  • Streamline account reconciliation

DFCU Financial has partnered with First Data®, the global leader in merchant services.

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

POS Solutions

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

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

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 © 2021 - 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.