Business Checking header

Business Checking

Minimize your banking fees with a DRCU Business Checking account which includes a VISA Debit Card and Online Banking plus the ability to pay your bills online for free. No postage and no hassle.

DRCU Benefits

  • No monthly service fees
  • No minimum balance requirements
  • Free online banking
  • Free billpay
  • e-statements are available

Management Tips

“Take advantage of more flexibility and less parameters and keep more of your money in your business.” ~Kraig Black

Deposit Protection green and red header.

Added Deposit Insurance Protection – Coverage to $1,000,000 on Business Deposits

Excess Share Insurance Corporation (ESI) Insurance on Business Deposits

Qualifying deposit accounts* (All business accounts except CDs) at Desert Rivers Federal Credit Union are insured up to $1,000,000. This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Administration (NCUA) and private insurance from Excess Share Insurance Corporation (ESI).

ESI’s Coverage

First, NCUA’s basic federal coverage insures credit union members’ deposits up to $250,000. For details about federal deposit insurance, please check with your credit union or contact NCUA. Second, qualifying deposit accounts* (All business accounts except CDs) exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $750,000 by ESI.

ESI’s Policy

To be eligible for excess coverage, the credit union must comply with ESI’s rigid underwriting standards. Also, ESI’s insurance policy requires that every quarter the credit union submit financial statements and a listing of accounts eligible for excess coverage in order to continue coverage. Individual policies are not provided to members, and there is no direct cost to you for this coverage. It is important to note that excess deposit insurance is payable only upon the failure and liquidation of the credit union. The credit union or ESI may terminate or modify this coverage, but in either case you would be notified in writing of any change in the excess coverage.

About ESI

Headquartered in Dublin, Ohio, ESI is a wholly owned subsidiary of American Share Insurance, a credit union-owned private deposit insurer founded in 1974 by credit unions, for credit unions. As a property and casualty insurer, ESI is subject to licensing and regulation by your state’s insurance department. Furthermore, the company’s financial statements are audited annually by an independent CPA firm and are available upon request through the credit union. ESI is not a federal or state government agency.

* Qualifying deposit accounts at Desert Rivers Federal Credit Union include All business accounts except CDs.
Business LOC title graphic

Business VISA

Enjoy the convenience of paying with a Business VISA while earing rewards.


  • Low interest rates
  • No annual fee
  • Contactless cards
  • Apple or Google Pay
  • Zero fraud liability
  • Earn 1.5% rewards or cash back on every purchase
  • Easy to apply
  • Local approval


Business Line of Credit

Set up a Line of Credit to get you through any future cash issues.


  • Secured by Real Estate, other assets or unsecured
  • Low fees
  • Easy to apply
  • Local approval
Business savings title graphi

Business Savings

With a DRCU Business Savings account, you can put money aside to protect your business and prepare for future expansion or any challenges that may occur.


  • No monthly fees
  • e-statements are available
  • Competitive rates
  • Link to business checking for overdraft protection
  • Product Choices
    • Savings
    • Money Market
    • Certificates of Deposit (CD’s)
    • Premium Savings

Commercial Real Estate

When you need more space or it’s time for remodeling


  • Save on interest and closing costs
  • Flexible terms
  • Local approval


Business Vehicles/Equipment

The same low rates apply as on DRCU personal auto loans.


  • Low interest rates
  • Flexibility on terms and collateral
  • Local approval


“Keep your business and personal finances separate. We can help!” ~Kraig Black

Apply Today 

Start your business loan process by clicking on the loan application to the right.

Loan Limits per Category

  • Business Equipment – up to $150,000
  • Business Vehicles – up to $150,000
  • Lines of Credit – up to $50,000
  • Business Credit card – up to $50,000
  • Residential CRE – up to $399,999

For loan requests higher than the limits listed above please call 435-259-6124 option 7.

Merchant Services

Local Credit Union. Local Merchant Services.

Desert Rivers Credit Union partners with Select Bankcard to offer our business members merchant services.

Accept Credit or Debit Card Payments

Whenever. Wherever your business goes, we’re with you!

We have:

  • In-Store Solutions – Securely accept virtually every payment option, including credit, debit, EBT, gift cards and Automated Clearing House (ACH) with affordable terminals. No leases! No contracts.
  • Online Solutions – Reach more customers in more locations with our fast and secure eCommerce solutions. Accept payments online, by phone or e-mail, or in any card-not-present environment.
  • Mobile Solutions – Take the checkout line to your customers. Accept EMV* chip and ‘swipe’ card payment securely on the go-right from your smartphone or tablet.

No Leases! No Contracts!

  • Equipment discounts for in-store terminals
  • Online integration with accounting software, including QuickBooks.
  • Free ‘swipe’ reader for mobile applications*

*Limit one swipe reader per business. must be new merchant services account.

Partnering with Select Bankcard We Offer:

Local services and on-site support | No contract required | Real-time reporting
Next day deposits/funding | Credit/Debit Cards | Chip Cards | ACH
Apple Pay/Google Pay/Samsung Pay | NFC (Near Field Communication) setup
EMV terminals | Secure gateway
Mobile phone swipes | Account updater for recurring payaments
Reconcilation | POS solution | QuickBooks Solution

Header with red "electronic banking" banner

Our electronic banking products are designed to save you precious time and money.


Get easy access to your account from your PC, laptop or mobile phone.


Access your statements at your convenience.


Save postage and hassle by paying your bills online. It’s free with a checking account.


Load your VISA on your phone and pay with your phone.

DRCU Benefits

  • Free with a Checking Account


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

More information.

Equal Housing Lending logo

Desert Rivers Credit Union is an Equal Housing Lender.

More information