Checking Account

Overdraft Protection Transfer is an optional service offered by People Driven Credit Union that allows eligible members to link a savings account to a checking account. If there are insufficient funds in your checking account to cover a transaction, available funds from the linked savings account may be automatically transferred to cover the shortfall. This service is designed to reduce the likelihood of declined transactions or returned items due to insufficient funds (NSF). Key details:

• Transfers occur only if sufficient funds are available in the linked account.
• A per-transfer fee may apply. View our current fee schedule.
• Funds are transferred in the exact amount needed to cover the transaction, subject to available balance and transfer limits.

Overdraft Protection Transfers are subject to account eligibility, terms, and limitations. Not all accounts qualify. Transfers from savings accounts are subject to regulatory and policy limits. For full details, contact a PDCU representative or review our account disclosures.

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; please refer to the Fee Schedule for details.

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 require no minimum balance and have no monthly maintenance fees! Many members ask whether there is a minimum balance requirement for a checking account, as they want simple, fee-free banking.

No Monthly Maintenance Fees

PDCU checking accounts have zero monthly service charges. This keeps more money in your pocket every month.

Great Features Included

You get a free Visa Debit Card, free online banking, free mobile app, free bill pay, and free mobile check deposit — all with no minimum balance and no monthly fees.

Common Questions

Is there a minimum balance for a checking account? PDCU's checking accounts do not require a minimum balance and have no monthly maintenance fees!

Get Help from Our Team

Call us at 844-700-7328 during business hours if you have questions. Our team helps you open or switch to a checking account with no minimum balance. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints About Our Checking Account

1. Open your account with any amount you want — no minimum required.
2. Enjoy free mobile check deposit and online bill pay right away.
3. Use the free Visa Debit Card for everyday spending.
4. Set up direct deposit to make managing your money even easier.
5. Contact us at 248-263-4100 to switch to a no-fee checking account today.

People Driven Credit Union keeps checking accounts simple and affordable. You never worry about minimum balance requirements or monthly fees. Many members love the freedom and low-cost banking we provide. Thank you for banking with us. .

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.

5 Helpful Hints for Mobile Deposits

1. Always write “For Mobile Deposit Only at PDCU” and your account number clearly on the back.
2. Take photos in good lighting on a dark background for the clearest images.
3. Deposit before 5:00 p.m. on business days for faster availability.
4. Check your account balance in the app after 24–48 hours to confirm the funds posted.
5. Contact us at 844-700-7328 if your deposit is over $2,500 or if you have any questions.

Making a mobile deposit at People Driven Credit Union is simple, secure, and available 24/7 through the MyPDCU app. You can deposit checks from anywhere without visiting a branch. Many members use this feature weekly and love how quickly funds become available. Always follow the 7-day storage rule and shred the original check once the deposit clears. This keeps your money protected while giving you the convenience you expect from your credit union. Thank you for banking with us. Our team is always ready to help you with mobile deposits or any other account questions.

How do I avoid overdrafts at People Driven Credit Union?

You can reduce overdraft risk by tracking balances, setting alerts, and using account tools offered by People Driven Credit Union. Many members ask how to avoid overdrafts and keep their checking accounts healthy and fee-free.

How to avoid overdrafts

• Set low-balance alerts in digital banking.
• Review pending transactions before spending.
• Keep a small buffer in your checking account.

Avoiding overdrafts at People Driven Credit Union starts with good habits. You stay in control and skip the $30 per-item fees. We give you easy tools to help every day.

Set Low-Balance Alerts

Log into online banking or open the MyPDCU app. Go to Alerts. Set a low-balance notification for $50 or $100. You get a text or email before you run low.

Review Pending Transactions

Check your account daily in the app. Look at pending purchases and ACH items. This helps you know your true available balance before you spend.

Choose Overdraft Options

We offer Overdraft Protection Transfer for $3 per transfer from linked savings. Courtesy Pay covers items for $30 each at our discretion. You can also opt out of all coverage so transactions decline with no fee.

Common Questions

Does PDCU offer overdraft options? Available options vary by account and member eligibility. Contact PDCU to review your coverage settings.

Get Help from Our Team

Call us at 248-263-4100 during business hours. Our team reviews your options right away. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints to Avoid Overdrafts

1. Turn on low-balance alerts today in the MyPDCU app.
2. Review pending transactions every morning.
3. Keep at least $50 extra in checking as a buffer.
4. Link savings for Overdraft Protection Transfer if you want automatic help.
5. Contact us at 248-263-4100 to set or change your overdraft preferences.

People Driven Credit Union helps you avoid overdrafts with smart tools and flexible options. You protect your account and save on fees. Many members use alerts and buffers successfully every month. Thank you for banking with us. Our team is always ready to help you manage your checking account.

How do I order checks at People Driven Credit Union?

You can order checks through People Driven Credit Union using our approved check-ordering service. M

How to reorder checks

• Use the check reorder link provided by inside online banking.
• Confirm your account and shipping information.
• Submit your order and watch for delivery timing updates.

Ordering checks at People Driven Credit Union is fast and secure. Existing members reorder directly through online banking. You receive high-quality checks from our authorized provider delivered straight to your home.

Reorder Checks in Online Banking

Log into online banking at my.peopledrivencu.org. Click on your checking account. Scroll about halfway down the page to find the “Check Reorder” link. Click it and follow the prompts to complete your order.

Reorder Checks in the Mobile App

Open the MyPDCU app on your phone. Go to your checking account details. Look for the Check Reorder option. Confirm your details and submit the order. It is quick and easy.

Common Questions

Can I reorder checks online? Yes. Existing members can typically reorder checks online through the authorized provider link.

Get Help from Our Team

Call us at 248-263-4100 during business hours. Our team helps you order checks. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints for Ordering Checks

1. Log into online banking and locate the Check Reorder link on your checking account page.
2. Double-check your shipping address before you submit the order.
3. Reorder when you have about 15-20 checks left to avoid running out.
4. Watch for delivery timing updates after you submit your order.
5. Contact us at 248-263-4100 if you need help ordering checks.

People Driven Credit Union makes it easy to order checks. You keep your checking account running smoothly with fresh supplies. Many members reorder every few months. Thank you for banking with us. Our team is always ready to help you with your checking needs.

How do I choose the right checking account at People Driven Credit Union?

People Driven Credit Union offers checking account options designed for everyday spending, digital banking convenience, and member-focused service. Many members ask how I choose the right checking account to perfectly fit their daily needs.

Checking options at PDCU

• Every day, checking for deposits, payments, and debit card use
• Digital access through online and mobile banking
• Member support for account setup, card services, and account questions

Choosing the right checking account at People Driven Credit Union is easy because we keep it simple. Our main PDCU Checking Account has no monthly maintenance fee and no minimum balance requirement. You get a free Visa Debit Card, online bill pay, mobile check deposit, and 24/7 digital access through the MyPDCU app.

Why Members Love Our Checking Account

You enjoy free ATM access at thousands of locations nationwide. Use Round Up to Win to automatically save spare change. Overdraft options give you flexibility when needed. All this comes with friendly local support from a Michigan-based credit union.

How to Open Your Checking Account

Apply online in minutes or stop by any branch. You need your ID, Social Security number, and initial deposit. Our team walks you through setup and helps you add direct deposit or bill pay right away.

Common Questions

How do I choose the right checking account? Compare account features, fees, and usage needs, then contact PDCU for help selecting the best fit.

Get Help from Our Team

Call us at 248-263-4100 during business hours. Our team reviews your needs and recommends the best checking account. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints for Choosing Your Checking Account

1. Think about how often you use debit and mobile deposit.
2. Decide if you want overdraft protection or to opt out.
3. Check if you qualify for direct deposit perks.
4. Consider linking savings for easy transfers.
5. Contact us at 248-263-4100 to compare options side by side.

People Driven Credit Union designs checking account options that makes life simpler. You get powerful tools with personal service. Many members switch and love the fee-free experience. Thank you for banking with us. Our team is always ready to help you choose the right checking account and get started today.