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Business Share Savings
Dividends are compounded quarterly, credited quarterly and paid on a tiered-balance method, which provides more earning potential on your money. To earn dividends on your account and to obtain the disclosed annual percentage yield, you must maintain an average daily balance of $100.00 or more.
Simple Business Checking
Very simply, if you maintain an average daily balance of $3,000.00 during the month, you will earn a flat rate on your balance. If the $3,000.00 average daily balance is not maintained, there is a fee of $6.00. The following benefits are available:
- Merchant Processing
- Overdraft Protection (from business share savings for a small fee)
- Night Drop Access
- On-Line Banking w/Bill Pay
- TellerLine24
- Electronic Federal Tax Payment System
- Business Checks & Supplies
- Debit Card- Combine the Simple Business Checking Account with our VISA® Check Card for even more convenience. Transfer funds, perform balance inquiries or withdraw up to $400 per day by using a Dade County Federal Credit Check Card at any ATM displaying the STAR or Cirrus logos at no cost to you. If you should use an ATM that does not display the STAR or Cirrus logo, your first four (4) transactions each month are free.
Business Money Management Account
Earn a premium interest rate without tying up your cash! This easy-access account lets you enjoy complete flexibility- whether it’s through Tellerline 24 or at any of our branches! This powerful money management tool keeps your funds liquid and flexible while strengthening the earning potential of your hard-earned money. The minimum balance required to open this account is $2,500. A minimum daily balance of $2,500 must be maintained in your account to obtain the disclosed annual percentage yield. Dividends are compounded daily and credited to your account every month.
Community Checking
This account has no balance requirements and is ideal for non-profit organizations. Although it does not earn dividends, it is a great companion to the Business Share Savings. The following benefits are available:
- Overdraft Protection (from business share savings for a small fee)
- Night Drop Access
- On-Line Banking w/Bill Pay
- Tellerline24
- Business Checks & Supplies
- Debit Card – Combine the Simple Business Checking Account with our VISA® Check Card for even more convenience. Transfer funds, perform balance inquiries or withdraw up to $400 per day by using a Dade County Federal Credit Check Card at any ATM displaying the STAR or Cirrus logos at no cost to you. If you should use an ATM that does not display the STAR or Cirrus logo, your first four (4) transactions each month are free
As of January 2, 2007
| Business Share Savings |
Simple Business Checking | Community Checking (nonprofit) | Business Money Management | |
| Minimum to Open | $5.00 (Minimum shares) | $ 30.00 | $40.00 | $2,500.00 |
| Minimum to Earn Dividends | $100.00 | $3,000.00 | Non-Dividend Bearing | $2,500.00 |
| Monthly Maintenance Fee | None | None*** | None | None |
| Transaction Fee* (All business products combined for member) | $ .20 each over the 60 free debits & 60 free credits | $ .20 each over the 60 free debits & 60 free credits | $ .20 each over the 60 free debits & 60 free credits | $ .20 each over the 60 free debits & 60 free credits |
| Deposited Check Item Fee* | $.05 each over 10 checks in a deposit | $.05 each over 10 checks in a deposit | $.05 each over 10 checks in a deposit | $.05 each over 10 checks in a deposit |
| Coin Purchased or Deposited Fee* | 3% fee for total amount of coin | 3% fee for total amount of coin | 3% fee for total amount of coin | 3% fee for total amount of coin |
* Fees posted to the business share savings.
*** If average daily balance of $3,000.00 is not maintained for the month, there will be a monthly maintenance fee of $6.00.
Membership is open to businesses and other legal entities located in Miami-Dade County, Florida.
Check out our rates (subject to change). Please contact your local branch for details. Fees or penalties may apply. Certain transaction limitations apply.
DCFCU Business Account Rates as of 9/12/11
| BUSINESS SHARE SAVINGS | ||
| Range | Dividend Rate | APY* |
| $100-$499.99 | 0.05% | 0.05% |
| $500.00-$999.99 | 0.10% | 0.10% |
| $1,000-$4,999.99 | 0.15% | 0.15% |
| $5,000 AND OVER | 0.20% | 0.20% |
| SIMPLE BUSINESS CHECKING | ||
| Range | Dividend Rate | APY* |
| $3,000 AND OVER | 0.50% | 0.500% |
| BUSINESS MONEY MANAGEMENT | ||
| Range | Dividend Rate | APY* |
| $2,500 – $9,999 | 0.25% | 0.250% |
| $10,000 – $24,999.99 | 0.30% | 0.30% |
| $25,000 – $49,999.99 | 0.35% | 0.35% |
| $50,000 AND OVER | 0.40% | 0.40% |
