Business Checking Accounts for Your Growing Business
At People Driven Credit Union, we know that every business has unique needs. That’s why we’ve crafted our Business Checking Account to provide the essential tools and resources to help you manage your finances effortlessly and focus on what matters—growing your business.
Maximize Your Business Potential
We’ve made it easy for you to take full control of your business’s finances with our comprehensive Business Checking Account. Along with powerful financial tools, you’ll have a team of experienced professionals to support you every step of the way. Whether evaluating your products or improving efficiency, our business experts are here to help.
Features:
- Online Bill Pay & Account Alerts
Stay on top of your bills and get real-time alerts to manage your business finances. - Online Statements
Enjoy convenient, paperless statements available 24/7 through our secure online platform. - 24/7 Access to Your Information
With around-the-clock access, you can monitor your account, make transfers, and review transactions whenever you need. - Business Efficiency & Product Evaluation
Our dedicated business professionals are here to offer insights and a “second opinion” on improving your business efficiency. - Access to a Dedicated Business Services Team
Our team is just a call or email away, ready to assist with any questions or concerns. - Online Transfers & ATM Access
Transfer funds and access cash when needed, with convenient ATM locations available.
Ready to Open Your Account?
If you’re ready to streamline your business banking, fill out our short form below. Our team will work with you to ensure your business has the financial support it needs to grow. Fill out the form now, schedule an appointment or contact us at (248) 263-4100.
Let People Driven Credit Union be your partner in business success!
Business checking that does more
Your business checking account should make it easier to manage money coming in and going out. With PDCU Business Checking, you can monitor account activity, make transfers, pay bills, access statements, use a business debit card, and connect your account with additional Business Services as your needs grow.
- No opening deposit requirement: You do not need to make an opening deposit to establish a PDCU Business Checking account.
- No minimum balance requirement: There is no minimum balance requirement for PDCU Business Checking.
- Business debit cards: Use a PDCU business debit card for everyday business purchases and convenient access to account funds.
- Online and mobile access: Monitor your account, review transactions, transfer funds, and manage your business finances when it’s convenient for you.
- Online bill pay: Manage and schedule business payments electronically instead of relying on paper checks for every expense.
- Account alerts: Stay informed about account activity with alerts that can help you monitor your business finances.
- Online statements: Access business account statements electronically through secure online banking.
- Cash deposits at PDCU branches: Business members can make cash deposits at PDCU branch locations during regular business hours.
- Multiple authorized users: Your business can add multiple authorized users.
- Support from our Business Services team: Business Checking accounts are opened with assistance from PDCU Business Services. Our team can help with account setup, required documentation, authorized users, and additional business banking services.
More ways to manage your business with PDCU
Your Business Checking account can connect you with additional services designed to make everyday business banking easier.
More ways to manage your business with PDCU
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Remote Deposit Capture
Deposit eligible business checks using your phone without making a trip to a branch.
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ACH Origination
Send electronic payments for payroll, vendors, taxes, transfers, and other recurring business expenses.
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Fraud Prevention
Explore PDCU tools and resources designed to help businesses reduce fraud risk and monitor account activity.
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Merchant Services
Give customers convenient ways to pay with solutions for accepting credit cards, debit cards, mobile wallets, and online payments.
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Payroll Services
Simplify payroll and give employees convenient access to direct deposit.
Is Business Checking right for your business?
A PDCU Business Checking account may be a good fit if you:
- Need a dedicated account for business income and expenses
- Want no opening deposit requirement
- Want no minimum balance requirement
- Need debit cards for business purchase
- Want multiple authorized users or signers
- Need different employee access levels
- Make cash deposits at branch locations
- Want access to Remote Deposit Capture or ACH Origination
- Want support from a local Business Services team
Keeping business and personal finances separate can also make it easier to track income and expenses, maintain financial records, and understand how your business is performing.
Business Checking and High-Yield Money Market
Different business funds may serve different purposes.
PDCU Business Checking is designed for regular operating activity, including incoming payments, purchases, payroll, vendor payments, and other day-to-day expenses.
PDCU’s High-Yield Money Market can be used for business funds that you want to keep accessible while earning a competitive return.
Depending on how your business manages its cash, you may benefit from using both accounts.
Not a People Driven Credit Union member yet?
People Driven Credit Union membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members.
A Membership Share Savings Account is required to establish membership. A $5 deposit secures your ownership share in the credit union and gives you access to PDCU products and services, including Business Checking.
How to open a Business Checking account
PDCU Business Checking accounts are opened with assistance from our Business Services team.
The information and documentation required will depend on your business structure. Our team can help you understand what is needed for a sole proprietorship, LLC, corporation, partnership, nonprofit, or other eligible organization.
Business Services can also help establish authorized users, account signers, debit cards, and additional services such as Remote Deposit Capture or ACH Origination.
Frequently asked questions
No. There is no opening deposit requirement for PDCU Business Checking.
No. PDCU Business Checking does not have a minimum balance requirement.
No. PDCU Business Checking does not earn dividends. Businesses looking to earn a return on eligible funds may also want to explore PDCU’s High-Yield Money Market.
Yes. Business debit cards are available for PDCU Business Checking accounts.
Yes. A PDCU Business Checking account can have multiple authorized users or account signers.
No. PDCU Business Checking does not currently offer different access levels for individual users.
Yes. Cash deposits can be made at People Driven Credit Union branch locations during regular business hours.
Business Checking accounts require assistance from the PDCU Business Services team. Contact Business Services to discuss your business, required documentation, and account setup.
Yes. PDCU Business Checking includes access to digital banking tools that allow you to monitor account activity, review transactions, make transfers, access statements, and manage your business finances.
Yes. Eligible PDCU Business Checking accounts have access to Remote Deposit Capture, which allows you to deposit eligible business checks using your phone. Remote Deposit Capture is included at no additional cost.
No. PDCU Remote Deposit Capture does not have a deposit limit. It also provides later deposit cutoff times, and funds may be available as soon as the next business day.
Eligible PDCU business members with an active Business Checking account can use ACH Origination for electronic payments such as payroll, vendor payments, transfers, and State and Federal tax payments.
Contact the People Driven Credit Union Business Services team. A representative can explain the required documents, help establish authorized users and signers, and guide you through the account-opening process.
Ready to open a Business Checking account?
Get a business account with no opening deposit requirement, no minimum balance requirement, debit card access, digital banking tools, and support from PDCU Business Services.
Contact our Business Services team to discuss your business and get started.
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Disclosures
People Driven Credit Union savings are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government.
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Related topics
Remote Deposit Capture
Deposit eligible business checks using your phone with Remote Deposit Capture, included at no additional cost with eligible PDCU Business Checking accounts.
Learn about Remote Deposit Capture
High-Yield Money Market
Keep business funds accessible while earning a competitive return with PDCU’s High-Yield Money Market.
Explore High-Yield Money Market
ACH Origination
Send electronic business payments for payroll, vendors, taxes, transfers, and other recurring expenses.
5 Signs It’s Time to Open a Business Checking Account
Learn when separating your personal and business finances can make managing your company easier.
