FAQ Category: Accounts
Is my money safe in a Money Market Savings Account?
Yes. Money in a People Driven Credit Union Money Market Savings Account is federally insured by the National Credit Union Administration, or NCUA, to at least $250,000 per member, per ownership category. How NCUA insurance helps protect you NCUA insurance protects eligible deposits at federally insured credit unions. Coverage limits apply by ownership category, so your total protection may vary ...
Continue ReadingWhat is a Money Market Savings Account?
A Money Market Savings Account is a type of savings account that can offer higher dividend rates than a regular savings account while still giving you access to your funds. It may be a good fit if you want to earn more on your savings without locking your money into a certificate. How it works at People Driven Credit Union ...
Continue ReadingWhat is Community Alliance Credit Union’s (CACU) routing number?
Former Community Alliance Credit Union members should now use People Driven Credit Union’s routing number, 272484988. Community Alliance Credit Union merged with People Driven Credit Union in 2023. The former CACU routing number, 272477885, has been phased out. As of January 1, 2026, the old routing number is no longer accepted for check processing. Former CACU members should use 272484988 ...
Continue ReadingWiring Instructions
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 ...
Continue ReadingWhat is an IRA Certificate of Deposit?
An IRA Certificate of Deposit is a retirement savings account that combines the tax advantages of an Individual Retirement Account with the fixed rate and set term of a Certificate of Deposit. It can be a good option if you want predictable growth and a more conservative way to save for the future. How it works With an IRA Certificate, ...
Continue ReadingIs there a minimum balance requirement for a checking account?
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 ...
Continue ReadingHow do I make a mobile deposit?
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 ...
Continue ReadingHow Do I Set Up E-Alerts?
You can set up e-alerts in People Driven Credit Union online banking to receive account notifications by text message, email, or both. There is no fee from PDCU to use e-alerts, although standard text message rates may apply. How to set up e-alerts Log in to online banking, click the “Services” tab, and select “E-Alerts.” Verify your contact information, then ...
Continue ReadingCan I set up alerts for my account?
You can set up e-alerts in People Driven Credit Union online banking to receive account notifications by text message, email, or both. There is no fee from PDCU to use e-alerts, although standard text message rates may apply. How to set up e-alerts Log in to online banking, click the “Services” tab, and select “E-Alerts.” Verify your contact information, then ...
Continue ReadingCan I save or print my Estatement?
Yes. After you open your eStatement in online banking, you can usually save or print it using the download or print icons shown in your browser or PDF viewer. Depending on your device, you may also be able to right-click and choose “Save as” or “Print.” How to save or print your eStatement Open your eStatement in online banking or ...
Continue ReadingHow do I protect my account when using mobile banking?
To help protect your account when using mobile banking, use a strong password that only you know, do not save passwords on shared devices, and enable facial recognition or fingerprint sign-in on your personal device when available. It is also a good idea to turn on account alerts so you can spot unusual activity quickly. Good habits that help protect ...
Continue ReadingIs there a charge for monthly statements?
Most members pay nothing for monthly statements by selecting digital delivery to get eStatements at no cost. We charge $5 per month for paper statements mailed to your home. Members under 23 years old receive paper statements free. 5 Helpful Hints About Monthly Statements Switch to eStatements today to avoid the $5 monthly paper fee. Check your current preference in ...
Continue ReadingDoes People Driven offer financial counseling?
Yes, we are proud to offer financial counseling resources through trusted partner services. What support is available Debt and credit counseling guidance Budgeting and financial wellness resources Education-focused support for better financial decisions Available Financial Counseling Services We connect you with certified counselors. They offer one-on-one sessions about debt management, credit improvement, and budgeting strategies. You learn skills to make ...
Continue ReadingHow do I avoid overdrafts?
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 ...
Continue ReadingHow do I order checks?
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 ...
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