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 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.

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 a transaction on your People Driven Credit Union account that you do not recognize, contact us right away at 844-700-7328. You can review recent activity in online banking or the MyPDCU app, and setting up account alerts can help you spot unusual activity faster. If needed, we may ask you to complete the Written Statement of Unauthorized Debit form to support the dispute process.

Keep monitoring your account while the issue is being reviewed, and let us know about any additional transactions you do not recognize. If your card was used but you still have it, your card information may have been compromised, and we can help determine whether your card should be blocked and replaced. Review times can vary based on the type of transaction and the details involved, but reporting suspicious activity as soon as possible helps us take action faster and explain what protections may apply.

If you receive an unexpected call, text, or email asking for account details, passwords, or other sensitive information, do not respond. Contact People Driven Credit Union directly at 248-263-4100 to verify whether the message is legitimate.

Complete the 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.

Request Your Replacement card by calling our Member Center at 248-263-4100 during business hours. Tell the representative about 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, Romeo. or contact us 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). 5 Helpful Hints for Receiving a New ATM/Debit Card

1. Call during business hours for the 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.

A travel alert may be recommended before you travel, especially if you expect to use your ATM or debit card outside your normal spending area. Setting a travel alert can help reduce the chance of unnecessary card declines while you are away.

How to place a travel alert

You can usually place a travel alert through online banking or the MyPDCU app by going to your card services or travel notice settings and entering your travel details. If you prefer, you can also call People Driven Credit Union at 844-700-7328 during business hours for help.

Before you travel

It is a good idea to check your card expiration date, review your available balance, and bring a backup payment method in case you need it. Entering your travel dates and destination accurately can also help avoid interruptions.

Need help?

If you are not sure whether you should place a travel alert, call 844-700-7328 or 248-263-4100 during business hours.

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:

• Check Your Balance and Pending Items - Log in to 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.

To activate your People Driven Credit Union ATM or debit card, call 866-762-0558 and follow the prompts to verify your identity and card details. Once activation is complete, your card is ready to use for purchases and ATM transactions.

For the smoothest experience, call from the primary phone number we have on file for your account and have your new card with you before you begin. In some cases, you may also be able to update your PIN during the same call.

After your card is activated, you may want to make a small purchase or ATM transaction to confirm everything is working properly. You can also log in to the MyPDCU app to set up account alerts and manage your card activity.

If you need help activating your card, call People Driven Credit Union at 248-263-4100 during business hours, or visit one of our branches in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

If your People Driven Credit Union ATM or debit card is lost or stolen, call 888-241-2510 right away to report it and help protect your account.

What to do right away

• Call our 24/7 lost or stolen card hotline at 888-241-2510.
• If you are calling from outside the United States, call 909-941-1398.
• During regular business hours, you can also contact People Driven Credit Union at 844-700-7328.
• Review your recent transactions and report any activity you do not recognize.
• Request a replacement card.

After you report your card missing, log in to the MyPDCU app or online banking at my.peopledrivencu.org to review recent transactions. If you notice anything suspicious, let us know right away so we can review it with you.

If a replacement card is needed, it will be mailed to the address we have on file. Replacement timing may vary, so contact us if you have questions about when your new card should arrive.

Helpful tips after reporting your card

1. Monitor your account closely in the MyPDCU app or online banking.
2. Report any unauthorized transactions as soon as possible.
3. Update recurring payments once your new card arrives.
4. Activate your replacement card as soon as you receive it. You can call 866-762-0558 from your registered phone.
5. Call our Member Center at 248-263-4100 if you need additional help.