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We go ALL IN on helping Michigan businesses be their best!
BUSINESS SERVICES AND TOOLS
Helping your time, energy, and skills go further.
We go ALL IN so you can too—equipping you with business tools and services that help you BE YOUR BEST.
Access your business accounts anytime, day or night, with secure, 24/7 Online Banking and Mobile Banking access so you can manage funds, transfer money, and monitor every transaction. Our mobile-friendly solutions put your finances in your hands on the go—track your expenses, see what’s coming in, and stay fully up to date on all your accounts, no matter where your business takes you.
Deposit checks anytime, anywhere with Remote Deposit Capture. Simply snap a photo of your check using our mobile app, and we’ll securely process it for you. This convenient tool helps you save time, reduce unnecessary trips, and get faster access to your funds, so you can focus on running your business without interruptions.
Take control of your business finances with Bill Pay. Schedule one-time or recurring payments all in one place to save time and simplify your workflow. Stay on track with automated payments—no more late fees or missed due dates. See all your payments in one view, making budgeting and planning easier than ever. Plus, protect your information by limiting where your data is shared. With Bill Pay, managing expenses has never been easier or more secure.
We make it easy for our business members to send funds quickly and securely anywhere in the U.S. With our domestic wire service, you can pay vendors, transfer money between accounts, or complete large transactions with confidence. Every wire is reliable, traceable, and designed to keep your business moving without delays. Click to learn more.
Our business members can access safe, guaranteed payment options with money orders. Perfect for situations where checks aren’t accepted or you need extra protection, our money orders let you send funds securely to individuals or businesses—helping you manage payments with confidence and peace of mind.
Money Orders are perfect for smaller transactions.
Maximum limit up to $5,000.00
$2.00 fee for each money order purchased
For business members who need guaranteed payments, we provide official checks issued directly by our credit union. These checks are trusted for large transactions like vendor payments, deposits, or other high-value purchases. They offer security, reliability, and nationwide acceptance for all your important payments.
Official Checks are ideal for larger or more formal transactions.
There is no maximum limit
$3.00 for an official check $5,000.00 or below
Our coin machines, located in the Midland Branch lobby, are available to business members to simplify handling loose change. Deposit, sort, and manage coins quickly and efficiently—saving your team time while keeping your finances organized. It’s a practical, easy solution for businesses that deal with cash regularly.
Our Night Deposit service provides business members with a secure way to drop off cash, checks, and important deposits outside of regular credit union hours. Designed for convenience and peace of mind, this service helps protect your funds while keeping your business running on your schedule. Simply place your deposit in a secure night deposit bag and drop it into the designated vault at your nearest branch.
Every beginning should lead to a confident finish.
With personalized financial planning and 401(k) solutions, Wealth Management Services help business owners and their teams strategically plan for retirement.
Business members enjoy surcharge-free access to over 33,000 CO-OP Network ATMs across the U.S.¹ Plus, deposit checks on the go with Mobile Check Deposit and 24/7 Online/Mobile Banking.
Find the closest Surcharge-Free ATM
BETTER BANKING FOR MICHIGAN BUSINESSES
From big ideas to bold moves, we're ALL IN on your success.
Our tailored financial solutions keep pace with your every move.
PLAN & INVEST
LOANS
Back your goals with the right financing at the right term at the right rate.
A business or other entity that is not a natural person may qualify for Credit Union Membership if it meets one or more of the following criteria: Registration on file with the Michigan Department of Licensing and Regulatory Affairs (LARA) & Presence in Michigan: It must maintain a physical location in Michigan (a P.O. Box is not a physical location). Sole Proprietorships: The business owner must be a Michigan resident. The business must be registered with at least one Michigan County. While the Member Saver Reward occurs with great regularity, this credit union benefit is not guaranteed. The Member Saver Reward benefit is determined by the Dow Credit Union Board of Directors and is paid out on January 1st to the Business Prime Savings Account as a lump sum deposit based on earnings from eligible deposit products.
BUSINESS BANKING EXPERT
True partners to small businesses.
Passionate about helping businesses thrive, Emily Migut, our Business Solutions Expert, and her team deliver more than financial solutions—they provide strategic partnership. With strong business insight and end-to-end guidance, they help startups and entrepreneurs secure funding, streamline operations, and build for long-term success. That’s why nearly 200 businesses trust Dow Credit Union as their financial partner—helping them move forward with confidence.
