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 available to eligible People Driven Credit Union members with checking accounts in good standing. If you do not have enough available funds to cover a transaction, we may choose to pay it for you up to the applicable limit.

What Courtesy Pay may cover

Courtesy Pay may apply to checks, ACH transactions such as electronic bill payments, and recurring debit card payments. If you want Courtesy Pay to apply to everyday debit card transactions, such as point-of-sale purchases or ATM transactions, you must first opt in.

Important to know

Courtesy Pay is not a line of credit, and it is not guaranteed. Eligibility depends on your account history and other factors, and we may decline to pay a transaction even if your account is eligible. If we do pay an overdraft item, a fee may apply for each transaction. Any negative balance must be repaid promptly, and repeated or excessive use may result in the service being suspended or discontinued.

Need help or want to opt in?

To ask about Courtesy Pay, request opt-in coverage for everyday debit card transactions, or review current fees, contact us or review our fee schedule.

People Driven Credit Union offers several overdraft options for checking accounts, including Overdraft Protection Transfer, Courtesy Pay for eligible accounts, or the choice to have transactions declined if you do not want overdraft coverage.

Overdraft Protection Transfer

You can link your Basic Checking Account to a PDCU savings account. If you have available funds in savings, money can transfer automatically to help cover a transaction. A transfer fee may apply, so review the Fee Schedule for current details.

Courtesy Pay

Courtesy Pay is available for eligible accounts in good standing. If approved at our discretion, it may help cover overdrafts for checks, ACH payments, and recurring debit card transactions up to the applicable limit. Opt-in is required if you want Courtesy Pay to apply to everyday debit card transactions. A fee may apply for each overdraft item that is paid.

Courtesy Pay is a discretionary service, not a guarantee. To remain eligible, you must bring your account back to a positive balance within 30 days. Other restrictions may apply.

No overdraft service

You can also choose not to use overdraft services. If a transaction exceeds your available balance, it may be declined and no overdraft fee will apply.

Need help choosing an option?

To ask questions about your overdraft options or update your preferences, contact our Member Services team.

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.

Wiring instructions for wiring funds to a People Driven Credit Union account:

Wire to:

• • Alloya Corporate Federal Credit Union 184 Shuman Blvd Suite 400 Naperville, IL 60563

ABA/Routing Number: 271 987 635

Credit:

• People Driven Credit Union 24333 Lahser Southfield, MI 48033 Account Number: 272 484 988

Final Credit Member Name:

• Member’s Name Member’s PDCU Account Number Member’s Address Account Type (Savings, Checking, etc.)

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.

Wiring Instructions: Frequently Asked Questions:

Why do I need to verify wiring instructions before sending a transfer?

Wire transfers are immediate and usually irreversible. Once a wire goes out, there is no way to recall it if the funds go to the wrong account. That makes verification before you send critical. Always confirm the routing number, account number, and recipient details directly with People Driven Credit Union through a trusted contact method before initiating any transfer.

What is wire fraud, and how does it happen?

Wire fraud is one of the most common financial crimes. It typically happens when a fraudster impersonates a trusted institution, a title company, a real estate attorney, or a financial professional and sends fake wiring instructions via email or phone. The funds are transferred to a fraudster-controlled account before anyone realizes what happened. This is sometimes called a Business Email Compromise (BEC) attack. The fraudster may appear convincing, use spoofed email addresses, and even reference real details about your transaction.

How do I know if wiring instructions I received are legitimate?

Any time you receive wiring instructions by email, text, or phone, treat them as unverified until you confirm them directly. Call People Driven Credit Union at 844-700-PDCU (7328) using the number on our official website, not a number provided in the message you received. Do not rely solely on email confirmation. If instructions changed from what you received previously, that is a major red flag. Legitimate institutions rarely change wiring instructions mid-transaction.

What should I do before a wire goes out?

Before you initiate or authorize a wire, verify the following directly with PDCU at 844-700-7328:

• The routing number
• The receiving account number
• The final credit name and account information
• The exact dollar amount

Do this even if the instructions look familiar. Confirm verbally with a PDCU representative, then review what your bank or sending institution displays on screen before you approve the transfer. If anything does not match, stop and call us immediately.

What should I do immediately after a wire goes out?

Contact the sending institution right away and request a wire recall if you believe there is any error. Time is critical. The sooner you act, the better the chance of recovery. Also call PDCU at 248-263-4100 so we can document the situation and assist you. If you believe you are a victim of wire fraud, contact your local FBI field office or report it to the FBI's Internet Crime Complaint Center at ic3.gov.

Will PDCU ever ask me to send a wire to a new or different account by email or text?

No. People Driven Credit Union will never send unsolicited changes to wiring instructions by email, text, or phone without prior verification through established contact channels. If you receive anything like this, call us directly at 844-700-7328 before taking any action.

What are PDCU's wiring instructions?

To wire funds to your People Driven Credit Union account, use the following information:

Wire to: Alloya Corporate Federal Credit Union, 184 Shuman Blvd Suite 400, Naperville, IL 60563. ABA/Routing Number: 271987635.

Credit: People Driven Credit Union, 24333 Lahser Road, Southfield, MI 48033. Account Number: 272484988.

Final Credit: Include the member's name, PDCU account number, address, and account type (Savings, Checking, etc.).

If you are uncertain about any of these details, call us at 844-700-7328 to verify before your wire goes out.

What is the PDCU routing number?

PDCU's routing number is 272484988. This number is used for direct deposit, ACH transfers, and as the account number in the Credit field of wire transfer instructions. The ABA routing number for wires is 271987635, which routes through Alloya Corporate Federal Credit Union.

People Driven Credit Union’s checking accounts do not require a minimum balance and do not have monthly maintenance fees.

If you are opening a new account and are not already a member, a Membership Share Savings Account is required to establish membership. That account requires a $5 deposit.

PDCU checking accounts also include convenient features such as a Visa Debit Card, online banking, mobile banking, bill pay, and mobile check deposit. If you have questions about opening a checking account, call 844-700-7328 during business hours.

To make a mobile deposit, log in to the MyPDCU app or online banking and select “Deposit.” Enter the check amount, choose the account where you want the deposit to go, and follow the prompts to capture clear images of the front and back of the check.

Before you submit your deposit

Sign the back of the check and write “For Mobile Deposit Only at PDCU” along with your PDCU account number. Make sure the photos are clear and complete so your deposit can be processed correctly. Deposits over $2,500 will be reviewed by the credit union and may not appear in your account right away. The mobile deposit check limit is $25,000, and all deposits are subject to holds.

After you submit your deposit

Keep the original check in a secure place for 7 business days after the deposit and verify that the funds have been credited to your account. After that, mark the check “VOID” and destroy it, preferably by shredding it. If you have questions about mobile deposit, call 844-700-7328.

You can help avoid overdrafts by monitoring your available balance, setting account alerts, reviewing pending transactions, and choosing the overdraft option that best fits your needs.

Set account alerts

Use the MyPDCU app or online banking to set low-balance and transaction alerts so you know when your balance is getting low or when activity posts to your account. Alerts can help you act before a transaction causes an overdraft.

Review your available balance

Check your account regularly and pay attention to pending purchases, ACH payments, and other scheduled transactions. Reviewing your available balance instead of only your current balance can help you avoid spending money that is already committed.

Choose the overdraft option that fits you

People Driven Credit Union offers Overdraft Protection Transfer from linked savings, which currently costs $3 per transfer, and Courtesy Pay for eligible accounts, which currently has a $30 fee per item paid. Courtesy Pay is discretionary and not guaranteed. You can also choose to opt out of overdraft services so transactions that exceed your available balance may be declined without an overdraft fee.

Need help?

If you want help reviewing your overdraft settings or choosing an option, call 248-263-4100 or 844-700-7328 during business hours.

Order Checks in the Online Banking Portal

Log in to 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.

Order Checks in the MyPDCU 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.

Reorder Checks from Our Website

Click the Reorder Checks link to our partner, Harland Clark. Enter our routing #272484988. Enter your account number (the full 14 digits) and your Account/Home zip code. On the next screen, enter your address, phone number, and email address. Then select your preferred branch. and complete your order.

Or just ask our Team, "How do I order checks?"

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

Helpful hints for when you plan on ordering checks

1. Double-check your shipping address before you submit the order.
2. Reorder checks when you have about 15-20 checks left to avoid running out.
3. Watch for delivery timing updates after you submit your order.
4. Contact us at 248-263-4100 if you need help ordering checks.

People Driven Credit Union offers checking account options for members who want easy access to their money. Our Basic Checking Account is designed for everyday spending and digital banking. We also offer Money Market Plus and High-Yield Money Market Accounts for members who want to earn more than a standard savings account while still keeping their funds accessible.

Account options to consider

• Basic Checking Account, designed for everyday deposits, payments, debit card use, direct deposit, and bill pay
• Money Market Plus Account, for members who want higher earnings, check writing, and flexible access to funds
• High-Yield Money Market Account, for members who want higher dividends, check writing, and convenient access to funds

What you can do with these accounts

With a Basic Checking Account, you get a free Visa Debit Card, online bill pay, mobile check deposit, and 24/7 digital access through the MyPDCU app. With both the Money Market Plus Account and the High-Yield Money Market Account, you can write checks, send money electronically, and withdraw cash from an ATM or ITM. These accounts can be a good fit if you want stronger earning potential without giving up easy access to your money.

Cash access and digital banking

PDCU members can send money electronically through online and mobile banking and access cash through drive-thru ITMs at branch locations and surcharge-free ATM locations nationwide. PDCU branch ITMs work like an ATM and also offer live teller help during business hours at the push of a button.

Need help choosing the right account?

Call 248-263-4100 during business hours and our team can help you compare your options. You can also visit our Checking Account Options, Money Market Plus, and High-Yield Money Market pages to learn more.