FAQ Category: Other
What 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...
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...
Continue ReadingHow do I get started?
Simply fill out the contact form below, and a PDCU Business Services representative will guide you through the setup process. You can also call us at (248) 263-4100 for...
Continue ReadingCan I schedule recurring payments?
Yes. You can set up one-time or recurring payments to payees, making it easier to automate payroll, rent, or vendor...
Continue ReadingHow secure is ACH Origination?
PDCU’s ACH Origination includes multiple layers of security such as encrypted authentication, customizable user permissions, dual approval workflows, and automatic notifications for each ACH...
Continue ReadingIs there a limit to how many transactions I can process?
There’s no hard limit on the number of transactions you can initiate, but transaction volume and limits may be based on your account profile and risk...
Continue ReadingWhat types of payments can I make with ACH Origination?
You can make a wide range of payments, including: Employee payroll Vendor and supplier payments Membership dues Interbank transfers State and Federal tax...
Continue ReadingWho can use ACH Origination at PDCU?
ACH Origination is available to eligible People Driven Credit Union business members with an active business checking account. Our team will work with you to assess your needs and get you set...
Continue ReadingWhat is ACH Origination?
ACH Origination is a service that allows businesses to send and receive electronic payments through the Automated Clearing House (ACH) network. It’s commonly used for direct deposit, vendor payments, recurring billing, and tax...
Continue ReadingWhat is Nacha (National Automated Clearing House Association)?
Nacha, short for the National Automated Clearing House Association, is the nonprofit organization that oversees the ACH (Automated Clearing House) network in the United States. What Does Nacha Do? Manages the Rules: Nacha develops, maintains, and...
Continue ReadingWhat is the Automated Clearing House (ACH) network?
The Automated Clearing House (ACH) network is a secure, nationwide system that financial institutions use to transfer funds between bank accounts in the United States electronically. Managed by Nacha (National Automated Clearing House Association), the...
Continue ReadingWhat is CashBack+?
CashBack+ is a comprehensive cashback rewards program available within your PDCU online banking. It offers personalized cashback deals, rewards for purchases, and bonus cashback for everyday banking...
Continue ReadingHow do I earn cashback?
You earn cashback by purchasing digital gift cards through Offers, using the CashBack+ Pay app at checkout, or completing certain actions such as making debit card transactions or enrolling in...
Continue ReadingWhat’s the difference between Offers and Pay?
Offers are proactive purchases of digital gift cards you plan to use later. Pay allows you to earn cashback on purchases you're already making through the convenient CashBack+ Pay app. Example: When shopping at Walmart, enter your purchase...
Continue ReadingHow do I access my digital gift cards?
Digital gift cards are delivered via email and stored securely in your CashBack+ Wallet accessible within your mobile app or online...
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