FAQ Category: Checking
What is Overdraft Protection Transfer?
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 ...
Continue ReadingWhat is Courtesy Pay?
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 ...
Continue ReadingWhat overdraft options are available for checking accounts?
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 ...
Continue ReadingHow do I deposit a check with my phone?
Gone are the days when you had to visit a branch to deposit your checks. With People Driven Credit Union’s mobile check deposit service, managing your finances becomes a breeze. This technology, known as remote deposit capture, lets you deposit checks from anywhere by simply snapping a picture with your device. How Mobile Check Deposit Works: Set the Stage: Place ...
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 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 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 ...
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