Visa Debit/ATM Card

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.

Contactless cards offer several benefits over traditional cards that require a physical swipe or insertion into a card reader. Some of these benefits include:

1. Speed: Contactless cards can be scanned quickly and easily, resulting in faster and more efficient transactions. This can be especially useful in high-traffic retail environments where lines are lengthy.
2. Convenience: Contactless cards eliminate the need for physical swiping or insertion, making them particularly useful for people on the go, such as commuters or those running errands.
3. Increased security: Contactless cards reduce the risk of fraud by utilizing near-field communication (NFC) technology, which establishes a secure connection between the card and the card reader. Additionally, the risk of card skimming is reduced because a contactless card remains in the cardholder's possession.
4. Reduced contact: Because contactless cards can be scanned without physical contact, they can help reduce the spread of germs and bacteria, which is especially important during a pandemic.
5. Adoption: Contactless payments are becoming increasingly widespread; it may be more convenient for cardholders to have contactless cards, as many merchants are now accepting them.

Contactless card transactions are generally faster and more convenient than traditional card transactions.

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.

Using your People Driven Credit Union contactless debit card is quick, secure, and touch-free. Look for the contactless symbol (represented by a sideways Wi-Fi icon) at checkout. Then:

1. Tap your card on the payment terminal where you see the symbol.
2. Hold it for a second or two—you’ll hear a beep or see a green light when the payment goes through.
3. That’s it! No need to insert, swipe, or touch the terminal beyond the tap.

It’s a fast way to pay—and your card never leaves your hand, adding an extra layer of protection.

Watch the video above to see just how easy it is.

3 steps to take if your debit card was hacked

Keep a close eye on your account activity and report suspicious transactions immediately using this form. The sooner you tell us about any unauthorized debits or charges, the better off you’ll be.

1. Check your accounts for unauthorized charges or debits, and continue monitoring your accounts

If you have online or mobile access to your accounts, check your transactions as frequently as possible. If you receive paper statements, be sure to open them and review them closely.

2. Report a suspicious charge or debit immediately

Contact us immediately if you suspect an unauthorized debit. If your physical credit card has not been lost, you can protect yourself from being liable for unauthorized debit card charges by reporting those charges immediately after you find out about them. If you spot a fraudulent transaction, complete this Written Statement of Unauthorized Debit form and return it.

3. Know when to ignore anyone contacting you to “verify” your account information by phone or email

This could be a common scam, often referred to as “phishing,” to steal your account information. We never ask for account information through phone or email that they initiate. If you receive this type of contact, please call People Driven Credit Union immediately at (248) 263-4100. For more information on phishing scams, visit the FTC’s consumer alerts. For more information, check out Consumer Advisory & Identity Theft and Fraud from the Consumer Financial Protection Bureau.

Download: WRITTEN STATEMENT OF UNAUTHORIZED DEBIT

In some cases we may restrict a card from being capable of completing an ATM deposit.  Please give us a call at 844-700-7328 if you are having trouble making a deposit.

Please give us a call at 844-700-7328 or visit a branch to order a new card.  Cards take up to 10 business days to arrive in the mail.

YES!  Your card may get declined if you are out of state or out of the country.  Please give us a call during business hours at 844-700-7328 and speak with a rep or coming into a branch. You may also log into online banking and send the credit union a secure message!  Please let us know where you will be traveling, dates leaving and returning and a good phone number.

Please give us a call during business hours at 844-700-7328 and speak with a rep or come into a branch.

Please call 866-762-0558 from your primary phone number on your membership to activate your card.

To report a lost or stolen card during our business hours please call 844-700-7328 and a People Driven rep shall assist.  After hours please call 888-241-2510. In the event you need to call the after hours number, please give us a call during our office hours the following business day so we may place an order of a new card.