Business Checking Accounts

Business Checking Account in South Florida
Business woman looking at smartphone

Our Business Checking options are designed to support organizations of every size—from small businesses to nonprofits to growing companies that need flexible cash-flow management. Dade County Federal Credit Union (DCFCU) supports businesses in Palm Beach, Broward, Miami-Dade, and Monroe counties. Explore the account that fits your operational needs.

Simple Business Checking

A straightforward, affordable checking solution for everyday business activity. Ideal for South Florida businesses that want a low-cost checking account with the opportunity to earn dividends when maintaining a higher balance. 

Requirements & Fees

  • Minimum to open: $30.00
  • Minimum to earn dividends: $3,000.00
  • Monthly maintenance fee: $6.00*

*Mothly maintenance fee is waived if balance is maintained at $3,000 or above. Fees post directly to the checking account.

Community Checking (Non-Profit)

A checking account created specifically for nonprofit organizations that need simplicity and cost-effective account management. Ideal for groups such as churches, food banks, youth programs, community outreach organizations, and other mission-driven nonprofits seeking a no-fee checking solution to support their daily operations and community impact.

Requirements & Fees

  • Minimum to open: $40.00
  • Minimum to earn dividends: No dividends
  • Monthly maintenance fee: None

Eligible Business Types

  • Sole Proprietors
  • Partnerships
  • Limited Partnerships
  • Corporations
  • LLCs
  • Non-Profit Organizations

Opening a Business Account

To open a business account, visit any one of our convenient branch locations and bring the following documents.

Business Information:

(Must be a Florida-registered business (SunBiz) operating in Palm Beach, Broward, Miami-Dade, or Monroe counties.)

  • Business Name
  • Business address
  • EIN Certificate

Personal Information:

  • Full Name
  • Title/Position
  • Phone Number
  • Social Security Number or Taxpayer Identification Number (TIN)
  • Date of Birth
  • Valid government-issued identification or secondary ID

Simple Business Checking Rates

Simple Business Checking

Rates effective as of June 1, 2026

Range Rate APY*
$3,000 and over 0.05% 0.05%

Minimum of $30.00 required to open account.