Checking Account

Courtesy Pay is a discretionary overdraft service offered by People Driven Credit Union to eligible members with checking accounts in good standing. If you do not have sufficient funds available in your account to cover a transaction, we may choose to pay it on your behalf, up to a preset limit. This service is intended to help avoid declined transactions or returned items due to insufficient funds (NSF). Courtesy Pay may apply to the following types of transactions:

• Checks
• ACH transactions (such as electronic bill payments)
• Recurring debit card payments

To extend Courtesy Pay coverage to everyday debit card transactions (such as point-of-sale or ATM transactions), you must provide affirmative consent (opt-in). Contact us to learn more or to request opt-in coverage.

Important Disclosures:

• Eligibility is based on account history and credit union discretion. Not all accounts qualify.
• A per-item overdraft fee will apply to each transaction we pay using Courtesy Pay. View our current fee schedule.
• There is no guarantee that we will authorize and pay any transaction, even if your account is eligible for Courtesy Pay.

Courtesy Pay is not a line of credit. Any negative balance must be repaid promptly. Repeated or excessive use may result in suspension of the service. Courtesy Pay is a discretionary service provided by People Driven Credit Union. The credit union reserves the right to suspend or discontinue this service at any time. Terms, conditions, and eligibility requirements apply. For full details, contact us or review our Courtesy Pay disclosure.

Overdraft Options

Life happens, and sometimes your balance doesn’t quite cover a transaction. At People Driven Credit Union, we offer several ways to help you manage those moments:

1. Overdraft Protection Transfer

Link your Basic Checking Account to a PDCU savings account. If your balance runs low, funds will automatically transfer (if available) to cover your transaction. A small transfer fee may apply; view the Fee Schedule.

2. Courtesy Pay

With Courtesy Pay, we may authorize and pay overdrafts on your account at our discretion — up to a preset limit — for checks, ACH payments, and recurring debit transactions. This can help avoid declined payments or returned items.

• Available to eligible accounts in good standing
• Applies to checks, ACH, and recurring payments (opt-in required for everyday debit card use)
• A per-item fee applies for each overdraft covered

Important: Courtesy Pay is a discretionary service, not guaranteed. You must bring your account to a positive balance within 30 days to remain eligible. Other restrictions may apply.

3. No Overdraft Service

You may also choose to opt out of all overdraft services. Transactions that exceed your balance will be declined, and no overdraft fee will apply. Do you have questions about your overdraft protection options, or would you like to set your preferences? Contact our Member Services team — we’re here to help you choose the option that’s right for you.

Gone are the days when you had to visit a branch to deposit your checks. With People Driven Credit Union’s mobile check deposit service, managing your finances becomes a breeze. This technology, known as remote deposit capture, lets you deposit checks from anywhere by simply snapping a picture with your device.

How Mobile Check Deposit Works:

1. Set the Stage: Place your check against a dark background to ensure all details are captured clearly due to the contrast.
2. Sign and Specify: Endorse the back of the check and write “For Mobile Deposit Only to PDCU” along with your clear signature and account number to streamline processing.
3. Open the MyPDCU App: Log in and select "Deposits."
4. Enter the Check Details: Enter the check amount and select the account where you want to deposit it.
5. Capture the Check Images: Place the front of the check within the phone's frame and tap the screen to capture an image. Repeat for the back of the check.
6. Verify the Deposit: Check your transaction history in the app to ensure the deposit was successful.
7. Secure Disposal: After confirming the deposit, cut up the check to secure your personal information. Dispose of the pieces separately.

The check will be deposited into the requested account and become available according to our standard check processing timeline. Past deposits can be viewed in the app.

For additional details, please visit our website at peopledrivencu.org/amazing or contact us if you have questions.

Embrace simplicity and security with our digital banking solutions. At People Driven Credit Union, we're here to make your financial management effortless.

For wiring funds to a People Driven Credit Union account: Wire to:

• Alloya Corporate Federal Credit Union 26555 Evergreen Southfield, MI 48076 ABA number: 2724-78075

Credit:

• People Driven Credit Union 24333 Lahser Southfield, MI 48033 Account Number: 2724-84988

Final Credit Member Name:

• Member’s PDCU Account Number Member’s Address Account member wants funds deposited into (for example, Savings or Checking)

  Electronic Fund Transfer (EFT) Disclosure – Reg E:
You have rights under the Federal Electronic Fund Transfer Act (Reg E). For questions or to report an unauthorized EFT, call us at (248) 263‑4100 immediately.
• Report errors within 60 days of statement receipt.
• We will investigate and correct errors within 45 days.
For complete details, see our Electronic Funds Transfer Disclosures page.

PDCU's checking accounts do not require a minimum balance and have no monthly maintenance fees!

To make a mobile deposit to your PDCU account using your smartphone, log into your MyPDCU app or the MyPDCU online banking portal and click on "Deposit." Enter the check amount, click "Continue," and select which of your accounts (if you have more than one) you want to make the deposit to. Sign your check, write "For Mobile Deposit Only at PDCU", and include your PDCU account number. Follow the instructions provided in the app to capture an image of the front and back of the check.

Anything deposited over $2,500 will be reviewed by the credit union and will not show in your account right away. Check limit is $25,000. All deposits are subject to holds.

Securely store the original check for 7 business days after the deposit. Verify you check has been credited to your account. After 7 business days, destroy the original check by marking it "VOID" and shredding it.

To minimize the risk of overdrafts, we recommend checking your account balance daily. Pay transactions only when sufficient funds are available, and avoid assuming that all items will clear your account immediately. Additionally, consider utilizing e-alerts to receive notifications when your balance is running low. For more information, please refer to the E-Alerts section.

Please log into the online banking site.  Under the e-statements tab you will see ‘order checks’.  Please click that and you will be directed to Harland Clarke to compete your order.  Prices vary by style.

PDCU offers a few types of checking accounts, view all our Checking Account Options.