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. Just look for the contactless symbol (it looks like a sideways Wi-Fi icon) at checkout. Then:

Look for the contactless symbol (sideways Wi-Fi icon) at checkout. Then simply:

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.

Tip: Prefer your phone or smartwatch? Add your PDCU debit card to your mobile wallet and enjoy the same convenience using Apple Pay®, Google Pay™, or Samsung Pay®.

Start tapping today—your PDCU debit card is built for speed and security.

Contactless purchases may require a PIN or signature for certain transactions. Mobile wallet availability may vary by device or retailer. Terms and conditions apply.

If you notice suspicious activity on your People Driven Credit Union account, report it immediately by calling 844-700-PDCU (7328) or completing the Written Statement of Unauthorized Debit form below.

Step 1: Monitor Your Account Daily

Log in to online banking or the MyPDCU app and review every transaction. Enable real-time alerts in the app so you're notified the moment a charge posts. If you receive paper statements, open them immediately. Continue checking daily until the issue is fully resolved.

Step 2: Report the Unauthorized Charge Right Away

Call us immediately at 844-700-PDCU (7328) the moment you see an unauthorized debit or charge. Then download and complete the Written Statement of Unauthorized Debit form and return it to any branch or mail it to us. Under federal Regulation E, your liability is significantly reduced — often to $0 — when you report promptly. Keep all original receipts until the dispute is fully resolved.

Step 3: Protect Yourself from Phishing Scams

People Driven Credit Union will never call or email you asking you to "verify" your account details, password, or Social Security number. If you receive a suspicious call or message claiming to be from PDCU, hang up and call us directly at 248-263-4100 to confirm. Never share account information over unsolicited contact.

Common Questions About Suspicious Transactions

How long does it take to resolve a disputed transaction? Most disputes are investigated within 10 business days. We may provisionally credit your account while the investigation is ongoing. Will I get my money back? In most cases, yes — federal rules protect you when you report unauthorized transactions promptly. What if my card was used but not lost or stolen? This may indicate your card number was compromised. Call us at 844-700-7328 to cancel the card and request a replacement. 📄 Download: Written Statement of Unauthorized Debit

Why can't I make an ATM deposit at People Driven Credit Union?

In some cases, we may restrict a card from completing an ATM deposit. Please call us at 844-700-7328 if you are having trouble making a deposit. Many members ask why I can't make an ATM deposit when their transaction is declined.

Why Deposits May Not Work at Some ATMs

Many ATMs, including some at People Driven Credit Union, are withdrawal-only machines. Your debit card may also be restricted from deposit capability for security or account reasons. This is common and easy to fix.

Preferred Ways to Make a Deposit

Use the MyPDCU mobile app for fast, secure mobile check deposit anytime. Log into online banking or the app, tap Deposit, endorse your check, take clear photos, and submit. Funds are usually available the next business day.

Deposit at a Branch

Visit any branch and use our Interactive Teller Machine (ITM) or speak with a teller. Bring your debit card, checks, and ID. Deposits made before 5:00 p.m. typically post the same day.

Common Questions

Why is my card restricted from ATM deposits? 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.

Get Help from Our Team

Call us at 844-700-7328 during business hours. Our team checks your card settings instantly and removes restrictions if needed. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints for Making Deposits

1. Use mobile deposit in the MyPDCU app – it is the fastest option.
2. Try a branch ITM or teller instead of a regular ATM.
3. Call 844-700-7328 to check if your card has deposit restrictions.
4. Endorse checks “For Deposit Only” before using mobile deposit.
5. Contact us at 248-263-4100 for help with any deposit issues.

People Driven Credit Union makes deposits easy and convenient with multiple secure options. Mobile deposit and branch services are available 24/7 or during open hours. Many members avoid ATM deposit issues completely by using the app or visiting a branch. Thank you for banking with us. Our team is always ready to help you deposit funds quickly and safely.

To receive a new People Driven Credit Union ATM/debit card, contact us and request a replacement based on your card status and account verification. Many members ask how to obtain a new ATM/debit card when their current card is damaged, is about to expire, or needs replacement.

How replacement works

• Report card issues (lost, stolen, damaged, expiring).
• Complete identity verification with PDCU support.
• Confirm mailing details and expected delivery timing.

Most replacements arrive in 7–10 business days. You pay a $10 fee per card (one free replacement per year for lost or damaged cards).

Request Your Replacement

Call our Member Center at 248-263-4100 during business hours. Tell the representative your card issue. They verify your identity and start the replacement order right away. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints for Receiving a New ATM/Debit Card

1. Call during business hours for fastest service.
2. Have your member number or account details ready.
3. Confirm your current mailing address is correct.
4. Activate the new card immediately upon arrival by calling 866-762-0558.
5. Contact us at 248-263-4100 if you need your card sooner or have questions.

How do I set up a travel alert at People Driven Credit Union?

Travel alerts may be recommended for some card activity. Contact People Driven Credit Union before travel so we can help prevent unnecessary card declines. The easiest and preferred way is to do it directly in online banking. Many members ask how to set up a travel alert, and love doing it themselves in minutes.

Before you travel

• Confirm your destination and travel dates with PDCU if advised.
• Check card expiration and account balances.
• Bring a backup payment method for added flexibility.

Setting up a travel alert at People Driven Credit Union is quick and free. It stops your debit or credit card from being declined for unusual activity while you are away. We strongly recommend it for any trip outside Michigan.

Preferred Method: Set Up in Online Banking

Log into online banking at my.peopledrivencu.org or open the MyPDCU app. Go to your account settings or card services section. Select Travel Alert or Travel Notice. Enter your travel dates, destination, and contact phone number. Submit and you will see instant confirmation.

Alternative: Call Us

If you prefer personal help, call 844-700-7328 during business hours. Give your travel details and our team adds the alert right away.

Common Questions

Do I need to place a travel alert? Yes, especially for out-of-state or international travel. Domestic local trips may not always need one.

Get Help from Our Team

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

5 Helpful Hints for Setting Up a Travel Alert

1. Use online banking or the app – it is the fastest preferred method.
2. Enter your exact travel dates and destination accurately.
3. Provide a phone number where we can reach you during your trip.
4. Place the alert at least one business day before you leave.
5. Contact us at 248-263-4100 to extend or cancel the alert after your trip.

People Driven Credit Union makes travel alerts simple so you travel with confidence. The preferred online banking option lets you set it up anytime, anywhere. Your debit and credit cards work smoothly wherever you go. Many members use the self-service tool every time they travel. Thank you for banking with us. Our team is always ready to help you prepare for worry-free trips.

If your People Driven Credit Union debit card is being declined, contact us so we can review transaction status, account settings, and any security blocks. Common reasons include low balance, pending items, or security holds. Our team checks everything for you in minutes. What to check first

• Available balance and pending transactions
• Card expiration date and activation status
• Travel status, merchant type, or fraud-prevention blocks

Fixing your debit card being declined at People Driven Credit Union is usually quick. Check Your Balance and Pending Items Log into online banking or open the MyPDCU app. View your available balance. Look at pending purchases or ACH items that may not show yet. Verify Card Status Confirm your card is activated and not expired. If you just received it, call 866-762-0558 from your primary phone number to activate. Place a Travel Alert if Needed Traveling out of state or out of the country? Call during business hours at 844-700-7328 to place a free travel alert. This prevents unnecessary declines. 5 Helpful Hints to Fix Your Debit Card Being Declined

1. Check your available balance in the MyPDCU app before you shop.
2. Review pending transactions that may reduce your spending power.
3. Call 844-700-7328 before travel to place a free alert.
4. Ensure your card is activated and not expired.
5. Contact us at 248-263-4100 if the issue continues after you check these items.

Activation steps:

• Use the activation phone number 866-762-0558 or the digital prompt provided.
• Verify your identity and card details.
• Confirm activation before first purchase or ATM use.

Activating your PDCU ATM/debit card is quick and secure. The easiest way is by phone from your primary number on file. This automatically confirms your identity and takes less than 2 minutes. After Activation Test your card with a small purchase or ATM withdrawal. You can also change your PIN at the same time by calling 866-762-0558. Log into the MyPDCU app to set up alerts and start using your card safely. Get Help from Our Team Call us at 248-263-4100 during business hours if you need extra help. Our team guides you through activation. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo. 5 Helpful Hints for Activating Your Debit Card

1. Always call from your primary phone number on file.
2. Have your new card ready before you dial.
3. Activate the same day you receive the card in the mail.
4. Set up transaction alerts in the MyPDCU app right after.
5. Contact us at 248-263-4100 if the automated system does not work.

To report a lost or stolen ATM/debit card to People Driven Credit Union, call 888-241-2510 immediately so we can help secure your account and issue a replacement.

Immediate steps

• Contact our 24/7 lost/stolen hotline at 888-241-2510.
• Review recent transactions and report unauthorized activity.
• Request a replacement card and update recurring merchants.

The moment you realize your card is missing, call our dedicated 24/7 lost/stolen hotline at 888-241-2510. If you’re calling from outside the United States, use 909-941-1398. During regular business hours, you can also speak with our friendly local team at 844-700-7328 (844-700-PDCU). Our representatives will instantly deactivate your card to stop any potential misuse. Have your member number ready to speed things along. Once reported, log in to the MyPDCU mobile app or online banking at my.peopledrivencu.org to review all recent transactions. Spot anything suspicious? Tell us right away so we can investigate and reverse it. Under federal Regulation E, your liability for unauthorized transactions is usually $0 when you report promptly, before any fraud occurs or within two business days of noticing the loss. We’ll immediately order your new Visa Debit card, which typically ships in 3–5 business days and arrives at the address on file in 7–10 calendar days. While you wait, you can still access your funds anytime through the app, mobile check deposit, bill pay, transfers, or by visiting any of our five convenient branches in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

Here are 5 important things you should do after you report your card lost or stolen:

1. Monitor your account daily in the MyPDCU app and report any unfamiliar activity immediately.
2. Update all recurring payments (utilities, subscriptions, insurance, etc.) with your new card details as soon as it arrives.
3. Activate the replacement card right away by calling 866-762-0558 from your registered phone.
4. Enable real-time transaction alerts and use the app’s debit card controls to set limits or lock spending.
5. Contact our Member Center at 248-263-4100 if you need help with anything or want extra fraud protection tips.