DMCU's Main Branch in Detroit will close at 4:00 pm on Wednesday, December 7. We will reopen with regular business hours on Thursday, December 8.

It is time to rethink how you manage your business' funds

discover what's possible.

Credit Union Business Services

As a member with a business account, you benefit from a variety of credit union business services to assist you as you grow your businesses, including:
  • Remote Deposit Capture

  • Positive Pay

  • ACH

  • Lockbox

  • Wire Transfer

  • Merchant Services.


Remote Deposit Capture

Remote Deposit Capture offers the ability to scan multiple checks, including high-value checks, directly to us from the comfort of your office. Your business can deposit on your schedule by using an electronic deposit, and funds will be available as soon as the next business day.

  • Convenience:- Deposits checks when it is convenient for you, one at a time or in branch.
  • Flexibility: Gains access to later deposit cut-off times.
  • Savings: Significantly reduces collection float. 

Positive Pay

As a business owner, you shouldn’t have to worry about check fraud. Using our Positive Pay service, you will gain peace of mind knowing that you can mitigate risk, reduce losses, and increase account security. You will benefit from reduced errors and faster reconciliation.

  • Flexibility- Digitally confirms check information.
  • Security- Ensures only valid checks get cashed. 
  • Protection- Prevent unauthorized payments.


If your primary source of receiving payments is by check, you can automate your business’ invoicing through a centralized lockbox. Using a comprehensive lockbox solution will expedite payment processing and allow access to your funds more quickly.

  • Saves Time: Reduces mail float and manual processes.
  • Convenience: Provides timely information for cash flow. 
  • Security: Improves audit controls and data accuracy. 

ACH Origination

Using ACH Origination, you can initiate electronic business payments, including direct employee deposits, payments to vendors and suppliers, collection of periodic dues or memberships fees, transfers to or from non-credit union accounts, and State and Federal tax payments.

You can create and manage as many payees as you’d like. All recipient detail is stored in a secure database of payment instructions that includes payee details and relevant banking information.

  • Control: Manage your cash flow. 
  • Cost-effective: Lower transaction fees. 
  • Convenience: Schedule your payments in advance.
  • Secure: Reduces risk inherent with paper checks. 

Wire Transfer

Efficiently managing your business requires reliable, on-time payments to your vendors. Wire transfers are a simple, secure, and practical way to transfer funds while giving your business additional time to manage your receivables. Our digital platform allows you to manage these payments at your convenience, to provide peace of mind that your business is taken care of.

  • Convenient: Real-time, optimal exchange rates
  • Ease of Use: Track domestic wires with a Fed reference number.

Merchant Services

Efficient payment processing can be the most effective way to grow and manage your business. Whether you accept payments in person, online, or on the go, we have the solutions for your merchant service needs. Your business will receive all of the technology needed to start accepting credit and debit cards.

  • Saves Time: Accept Payments for credit cards, debit cards, and mobile wallets with versatile card readers.
  • Convenience: Enable online payment processing for highly integrated e-commerce systems or even the most basic storefronts. 

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