FAQ Category: Accounts
Wiring Instructions and Electronic Funds Transfer (ACH/ETF) Requests
Need to send money to your People Driven Credit Union account or start a wire transfer or Electronic Funds Transfer request? Use the information below to help route funds correctly and learn how to begin your request securely. Important: Wire transfers can move quickly and may be difficult or impossible to reverse once sent. Always verify wiring instructions directly with ...
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 ...
Continue ReadingWhat types of checking accounts does People Driven Credit Union offer?
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 ...
Continue ReadingIs there a limit to how many times I can withdraw/transfer out of my Money Market account?
No. There is no limit on withdrawals or transfers from People Driven Credit Union’s Money Market Plus Savings Account. How you can access your funds You can access money in your account in different ways, including transfers and check writing. The account is designed to give you more flexibility than a certificate while still helping you earn more than a ...
Continue ReadingDoes People Driven Credit Union offer business accounts?
Does People Driven Credit Union offer business accounts? Yes. People Driven Credit Union offers business accounts and services for businesses in Michigan, including business checking, business savings options, loans, payment services, and treasury management tools. Business accounts and services available Business services at PDCU include Business Checking, High-Yield Money Market Accounts, Remote Deposit Capture, Fraud Prevention, Payroll Services, Merchant Services, ...
Continue Reading
