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FAQs

Accounts

Please give us a call at 248-263-4100 or toll free at 844-700-7328 and speak with a representative to assist you.

iTalk Telephone Teller is a free telephone banking service. Check your account balances, see if a check has cleared, transfer money between accounts, check your loan balance, make loan payments from checking or savings, or request a statement be mailed to you, etc.  Please dial us toll-free at 844-700-7328 or call us at 248-263-4100 and choose option 1.

YES! Depending on your browser, once you have opened your statement you may see icons on the top corner for downloading and printing.  You may also right click on your mouse and choose ‘save as’ or ‘print’.

We suggest using a password only you would know. Do not save any passwords on devices that are not yours. Use facial recognition or thumbprint recognition on your private devices.

When preparing your tax return, you are asked to include the amounts of interest earned on your accounts. If your account earned $10 or more in the calendar year, a 1099-INT will be issued. 1099-INTs are typically mailed to you by the end of January in the new year. You can also access this in online banking; click the E-statement tab and choose ‘Tax statements.’

There is a $1 per month charge for mailed statements unless you are under 23 years of age or are a Senior Power Pack member.

PDCU has partnered with GreenPath Financial Wellness to help our members get back on track with their finances and credit. Please call GreenPath at 877-337-3399 and let them know you’re a PDCU member and would like to make an appointment with a rep!

We are sorry to hear you’d like to close your account at People Driven Credit Union.  Please let us know if there was anything we could have done to make your experience better.

Please give us a call at 844-700-7328.

PDCU’s routing number is 272484988.

All members are given a membership card when the account is initially opened.

Please stop by a branch or give us a call at 248-263-4100 or 844-700-7328 and that information can be mailed to you.

Auto Loans

People Driven finances motor homes, campers, boats, motorcycles, ATVs and snowmobiles!

You may also give us a call at 248-263-4100 to speak with the loan department!

Yes!  All eligible loans can be skipped once per calendar year for a fee of $35.

Fresh Start Auto Loans, Lines of Credit, Mortgages, Commercial Loans, and Credit Cards are excluded.

  1. To make a payment via online banking with funds already in your account, log in and select ‘transfers’. Select where you want to transfer from and which loan you would transfer to.
  2. Log into iTalk (telephone teller) and make your payment. Option 3 for payments.
  3. To make a payment with a debit/credit card, call (248) 263-4100.
  4. Set up an auto-transfer from your People Driven account or attach an auto payment to your direct deposit that comes into your account. Give us a call at (248) 263-4100 or stop by any of our five branches.
  5. Have us set up an auto-payment from your other financial institution. Please call us at (248) 263-4100, and we can send you the proper form, or you may stop by any of our five branches.
  6. You may also mail in a check payable to People Driven Credit Union, 24333 Lahser Rd, Southfield, MI 48033

GAP (Guaranteed Asset Protection) covers the difference between the cash value of your vehicle and the balance owing if the car is deemed a total loss, up to 150% LTV. GAP is a $575 one-time fee that can be rolled into the loan or paid in cash. GAP also provides a $1000 credit towards the next vehicle you finance through PDCU and unlimited auto deductible claims for up to five years, up to $500 per claim for any vehicle you own and insure.

  • Covers the difference between the outstanding loan balance and the actual value (determined by the insurance company) of the auto up to the max LTV.
  • Covers total loss AND unrecovered theft
  • May cover up to $1000 of the deductible if there is a gap after the insurance pays

GAP insurance is offered during the auto loan process.  Please call us at (248) 263-4100 for more information.

CD

You will receive a notice in the mail 30 days before the maturity date of your CD.

Once the initial deposit has been made funds cannot be added to the CD until maturity.  Once the CD matures you may add funds if you wish to renew the CD.

Yes.  The penalty for withdrawing from/closing the CD will be based on the interest earned on the account.

Although a CD is not necessarily liquid, it is considered one of the safest investments available. The longer CD you have, the higher the rate is going to be. There are no fees for the Certificate of Deposit, and you earn interest based on the balance in the CD.

People Driven offers multiple CDs starting from just a $25 minimum!  Please reach out to us at 248-263-4100 if you have any interest in a CD or check out our CD pages!

Checking

For wires with People Driven Credit Union, use this form and the information below:

Wire to:

  • Alloya Corporate Federal Credit Union
    26555 Evergreen
    Southfield, MI 48076
    ABA number: 2724-78075

Credit:

  • People Driven Credit Union
    24333 Lahser
    Southfield, MI 48033
    Account Number: 2724-84988

Final Credit Member Name:

  • Member’s PDCU Account Number
    Member’s Address
    Account member wants funds deposited into (for example, Savings or Checking)

Member Wire Authorization Form

PDCU’s checking accounts do not require a minimum balance and have no monthly maintenance fees!

To minimize the risk of overdrafts, we recommend checking your account balance daily. Pay transactions only when sufficient funds are available, and avoid assuming that all items will clear your account immediately. Additionally, consider utilizing e-alerts to receive notifications when your balance is running low. For more information, please refer to the E-Alerts section.

Please log into the online banking site.  Under the e-statements tab you will see ‘order checks’.  Please click that and you will be directed to Harland Clarke to compete your order.  Prices vary by style.

PDCU offers a few types of checking accounts including a basic checking account and 3 rewards checking accounts!

Debit/ATM card

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, making transactions faster and more efficient. This can be especially useful in high-traffic retail environments where lines are lengthy.
  2. Convenience: Contactless cards do not require a physical swipe or insertion, which can be particularly useful for people on the go, such as commuters or people running errands.
  3. Increased security: Contactless cards can reduce the risk of fraud because they use near-field communication (NFC) technology, which creates a secure connection between the card and the card reader. Additionally, the risk of card skimming is lowered because a contactless card doesn’t leave 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 more widely adopted; it may be more convenient for cardholders to have contactless cards as many merchants are starting to accept them.

Contactless card transactions are generally faster and more convenient than traditional card transactions.

3 steps to take if your debit card was hacked

Keep a close eye on your account activity and report suspicious transactions immediately using this form. The sooner you tell us about any unauthorized debits or charges, the better off you’ll be.

1. Check your accounts for unauthorized charges or debits and continue monitoring your accounts

If you have online or mobile access to your accounts, check your transactions as frequently as possible. If you receive paper statements, be sure to open them and review them closely.

2. Report a suspicious charge or debit immediately

Contact us immediately if you suspect an unauthorized debit. If your physical credit card has not been lost you can protect yourself from being liable for unauthorized debit card charges by reporting those charges immediately after you find out about them. If you spot a fraudulent transaction, complete this form and return it.

3. Know when to ignore anyone contacting you to “verify” your account information by phone or email

This could be a common scam, often referred to as “phishing,” to steal your account information. We never ask for account information through phone or email that they initiate. If you receive this type of contact, you should immediately call People Driven Credit Union at (248) 263-4100. For more information on phishing scams, check out the FTC’s consumer alerts . For more information, check out consumer advisory.  &  IDENTITY THEFT AND FRAUD

WRITTEN STATEMENT OF UNAUTHORIZED DEBIT

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.

Please give us a call at 844-700-7328 or visit a branch to order a new card.  Cards take up to 10 business days to arrive in the mail.

YES!  Your card may get declined if you are out of state or out of the country.  Please give us a call during business hours at 844-700-7328 and speak with a rep or coming into a branch.

You may also log into online banking and send the credit union a secure message!  Please let us know where you will be traveling, dates leaving and returning and a good phone number.

Please give us a call during business hours at 844-700-7328 and speak with a rep or come into a branch.

Please call 866-762-0558 from your primary phone number on your membership to activate your card.

To report a lost or stolen card during our business hours please call 844-700-7328 and a People Driven rep shall assist.  After hours please call 888-241-2510. In the event you need to call the after hours number, please give us a call during our office hours the following business day so we may place an order of a new card.

Examples

This is the answer to an example FAQ

This is the answer to an example FAQ

This is the answer to an example FAQ

General

Who do I contact about signing a loan that is in process?

If you are already working with a Lending Specialist, they can walk you through signing your documents electronically. This can be done from within online banking. You can also reach out to us at (248)263-4100, and one of our specialists will be able to assist you.

Can I still apply for a loan?

Yes. While we have adjusted how we serve you, you can still apply for a loan or credit card online through our website.

I’m financially impacted by the Coronavirus and may be unable to make my next loan payment(s). What should I do?

Rest assured, we’re in this together and here for you. We will be here to provide the financial assistance you need. For starters, we’ve waived the fee on our Skip-A-Payment program, which allows members with eligible loans to skip up to two monthly loan payments so they can keep up with other financial responsibilities. You can complete our Skip-A-Payment form, complete the application in online banking under the services tab, or call us at (248) 263-4100.

Again, if you or your family are experiencing financial hardship because of the current public health situation, we can help; tell us what you need.

Will my online bill payment be posted as scheduled?

Yes. All online bill payments will be processed as scheduled.

Do I still have access to my funds if they come in through direct deposit?

Yes. Your funds will be deposited as expected. You can access your funds via online banking and the People Driven Credit Union app. You can withdraw cash at ATMs and through drive-thru service at local branch centers.

Who do I contact about card disputes and fraud?

Please call our Member Center at (248) 263-4100 and speak with a team member to dispute any charges or report fraudulent activity.

How do I get a replacement debit or credit card?

Call us at (248) 263-4100, and a team member will work with you to get a replacement card sent directly to you. We have recently added debit card controls inside our phone app.

Is my money safe?

Yes! Your deposits are safe. Your deposits are insured through the National Credit Union Administration (NCUA), which means you can keep your money here with complete confidence that it will always be here when needed.

I need to withdraw cash. What are my options?

Rest assured, just because our branch lobbies are closed does not mean you cannot access your money. Your cash may be withdrawn via drive-thru lanes during our regular business hours and by ATM 24/7.  To find a surcharge-free ATM near you, click here.

How do I deposit cash?

You can make cash deposits via drive-thru lanes during our regular business hours and at most ATMs.

How do I deposit a check?

You can make check deposits via drive-thru lanes during our regular business hours, at ATMs, and, most conveniently, via the mobile deposit feature of our mobile app.

Are People Driven Credit Union branches staying open?

We will remain open to serve you by drive-thru only during normal business hours. You can call us with any questions at (248) 263-4100. (Our McNamara Branch is Temporarily closed)

When will People Driven Credit Union re-open branch lobbies?

As a community partner, we want to do our part to care for our members. As further information is available, we plan to follow CDC guidelines and best practices. At this time, we do not have an estimated date to re-open our lobbies. We’ll communicate this date/time as soon as possible!

Can I still open an account?

Absolutely. While we have adjusted how we serve you at our branches, you can open an account online anytime.

Please give us a call at 248-263-4100 or toll free at 844-700-7328 and speak with a representative to assist you.

iTalk Telephone Teller is a free telephone banking service. Check your account balances, see if a check has cleared, transfer money between accounts, check your loan balance, make loan payments from checking or savings, or request a statement be mailed to you, etc.  Please dial us toll-free at 844-700-7328 or call us at 248-263-4100 and choose option 1.

Visit Love My Credit Union Rewards to view all your perks such as discounts at Sprint, Trustage insurance and turbotax!

Investments

People Driven Credit Union Money Market Savings Accounts are insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

A Money Market Savings Account is a type of savings account that typically offers higher interest rates compared to traditional savings accounts. It often requires a higher minimum balance and may provide limited check-writing capabilities.

ira cert

An IRA CD works similarly to a regular CD. Your initial investment earns a fixed interest rate over a set timeframe and renews automatically. The more money you put in, the higher your rate will be, which means a more significant return on your investment. The main difference is that, unlike a regular CD, an IRA CD offers certain tax advantages associated with a traditional or Roth IRA.

iTalk

Please give us a call at 248-263-4100 or toll free at 844-700-7328 and speak with a representative to assist you.

iTalk Telephone Teller is a free telephone banking service. Check your account balances, see if a check has cleared, transfer money between accounts, check your loan balance, make loan payments from checking or savings, or request a statement be mailed to you, etc.  Please dial us toll-free at 844-700-7328 or call us at 248-263-4100 and choose option 1.

Mortgages

  • Conventional Products
  • Freddie Mac Fixed Rate
  • Fannie Mae Fixed Rate
  • Adjustable-Rate Mortgages
  • Home Possible (Freddie Mac)
  • Home Ready (Fannie Mae)
  • Construction
  • Super Conforming

Government Products:

  • FHA
  • VA
  • RD/USDA
  • Copy of your driver’s license
  • Last 2 years W2’s
  • Most recent 30 days span of paystubs
  • Last 2 years Federal Tax Returns
  • Most recent two months bank statements, all pages
  • Contact information for homeowner’s insurance agent

People Driven Credit Union wants to be your mortgage lender! We partner with Member First Mortgage to provide you with a wide range of mortgage services. Whether buying your first home, building your dream home, moving up, or scaling down, Member First Mortgage has many programs to fit your needs. Apply for your mortgage online today or call (866) 898-1818 to start.

Online Banking

No!  Bill pay is free to use, unless you submit a rush payment or choose the option to send a gift payment.  Costs of these will be shown before submitting.

YES! Depending on your browser, once you have opened your statement you may see icons on the top corner for downloading and printing.  You may also right click on your mouse and choose ‘save as’ or ‘print’.

We suggest using a password only you would know. Do not save any passwords on devices that are not yours. Use facial recognition or thumbprint recognition on your private devices.

When preparing your tax return, you are asked to include the amounts of interest earned on your accounts. If your account earned $10 or more in the calendar year, a 1099-INT will be issued. 1099-INTs are typically mailed to you by the end of January in the new year. You can also access this in online banking; click the E-statement tab and choose ‘Tax statements.’

Bill Pay is a secure electronic service within online banking that allows members to pay bills without having to write checks or sign onto a vendor site to submit an electronic payment. Online bill payment is tied to your PDCU checking account from which funds are withdrawn electronically or via share draft for payment of one-time or recurring bills.

People Matter Most

Who do I contact about signing a loan that is in process?

If you are already working with a Lending Specialist, they can walk you through signing your documents electronically. This can be done from within online banking. You can also reach out to us at (248)263-4100, and one of our specialists will be able to assist you.

Can I still apply for a loan?

Yes. While we have adjusted how we serve you, you can still apply for a loan or credit card online through our website.

I’m financially impacted by the Coronavirus and may be unable to make my next loan payment(s). What should I do?

Rest assured, we’re in this together and here for you. We will be here to provide the financial assistance you need. For starters, we’ve waived the fee on our Skip-A-Payment program, which allows members with eligible loans to skip up to two monthly loan payments so they can keep up with other financial responsibilities. You can complete our Skip-A-Payment form, complete the application in online banking under the services tab, or call us at (248) 263-4100.

Again, if you or your family are experiencing financial hardship because of the current public health situation, we can help; tell us what you need.

Will my online bill payment be posted as scheduled?

Yes. All online bill payments will be processed as scheduled.

Do I still have access to my funds if they come in through direct deposit?

Yes. Your funds will be deposited as expected. You can access your funds via online banking and the People Driven Credit Union app. You can withdraw cash at ATMs and through drive-thru service at local branch centers.

Who do I contact about card disputes and fraud?

Please call our Member Center at (248) 263-4100 and speak with a team member to dispute any charges or report fraudulent activity.

How do I get a replacement debit or credit card?

Call us at (248) 263-4100, and a team member will work with you to get a replacement card sent directly to you. We have recently added debit card controls inside our phone app.

Is my money safe?

Yes! Your deposits are safe. Your deposits are insured through the National Credit Union Administration (NCUA), which means you can keep your money here with complete confidence that it will always be here when needed.

I need to withdraw cash. What are my options?

Rest assured, just because our branch lobbies are closed does not mean you cannot access your money. Your cash may be withdrawn via drive-thru lanes during our regular business hours and by ATM 24/7.  To find a surcharge-free ATM near you, click here.

How do I deposit cash?

You can make cash deposits via drive-thru lanes during our regular business hours and at most ATMs.

How do I deposit a check?

You can make check deposits via drive-thru lanes during our regular business hours, at ATMs, and, most conveniently, via the mobile deposit feature of our mobile app.

Are People Driven Credit Union branches staying open?

We will remain open to serve you by drive-thru only during normal business hours. You can call us with any questions at (248) 263-4100. (Our McNamara Branch is Temporarily closed)

When will People Driven Credit Union re-open branch lobbies?

As a community partner, we want to do our part to care for our members. As further information is available, we plan to follow CDC guidelines and best practices. At this time, we do not have an estimated date to re-open our lobbies. We’ll communicate this date/time as soon as possible!

Can I still open an account?

Absolutely. While we have adjusted how we serve you at our branches, you can open an account online anytime.

Personal Loans

credit line allows you to borrow in increments, repay it and borrow again as long as the line remains open. Typically, you will be required to pay interest on borrowed balance while the line is open for borrowing, which makes it different from a conventional loan, which is repaid in fixed installments.  A line of credit will have a set limit in which you will be approved for and you can borrow based off the limit.

You may also give us a call at 248-263-4100 to speak with the loan department!

PDCU has partnered with GreenPath Financial Wellness to help our members get back on track with their finances and credit. Please call GreenPath at 877-337-3399 and let them know you’re a PDCU member and would like to make an appointment with a rep!

Yes!  All eligible loans can be skipped once per calendar year for a fee of $35.

Fresh Start Auto Loans, Lines of Credit, Mortgages, Commercial Loans, and Credit Cards are excluded.

  1. To make a payment via online banking with funds already in your account, log in and select ‘transfers’. Select where you want to transfer from and which loan you would transfer to.
  2. Log into iTalk (telephone teller) and make your payment. Option 3 for payments.
  3. To make a payment with a debit/credit card, call (248) 263-4100.
  4. Set up an auto-transfer from your People Driven account or attach an auto payment to your direct deposit that comes into your account. Give us a call at (248) 263-4100 or stop by any of our five branches.
  5. Have us set up an auto-payment from your other financial institution. Please call us at (248) 263-4100, and we can send you the proper form, or you may stop by any of our five branches.
  6. You may also mail in a check payable to People Driven Credit Union, 24333 Lahser Rd, Southfield, MI 48033

Rewards

United Concordia Dental is pleased to serve the dental insurance needs of People Driven Credit Union members and their families. People Driven Credit Union and United Concordia are partners because we care about your and your family’s oral health.

Oral health problems often tax the immune system, exposing you to a greater risk of illness and infection. To help maintain a healthier smile and a healthier you, we encourage you to follow the advice of your dentist and the American Dental Association. Your dental plan emphasizes preventive care to help avoid costly procedures commonly caused by delayed treatment.

What plans are available? – People Driven Credit Union members have the choice of three plan options, including Concordia Plus MI 20 Series(DHMO), Concordia Plus MI 40 Series (DHMO), or Concordia Flex (FFS).

  • Both Concordia Plus plans are managed care plans that require you to pre-select a primary dental office (PDO) from our Concordia Plus network for each of your covered family members and yourself. Each family member may select a different PDO. These plans reduce out-of-pocket costs as they feature no deductibles or annual maximum.
  • Concordia Flex is a fee-for-service (FFS) plan that provides access to many practicing locations through our Advantage Plus network. Suppose your dentist does not currently participate in our network. In that case, you may still use your dentist, but your out-of-pocket expenses will likely be higher. Visiting one of our network dentists helps lower out-of-pocket costs and eliminates the need to fill out claim forms.

The plans include the Davis Vision Discount Program, which offers discounts on eye exams, eyewear, and laser vision correction. See the Davis Vision Discount Program flyer for more information.

How do I find a dentist? – If you would like to locate a participating dentist or check on the participation status of your current dentist, click on the button below:

What if I have a question? – If you have a question about your dental benefits prior to being enrolled in the program, email Customer Service or call the appropriate toll-free Customer Service number. After you are enrolled, visit My Dental Benefits for online access to your benefits detail, claim history, claim status, eligibility information and more!

Visit Love My Credit Union Rewards to view all your perks such as discounts at Sprint, Trustage insurance and turbotax!

Save to Win

Visa Credit Card

To report lost or stolen card you must call Visa directly at 800-325-3678. Visa Will contact People Driven Credit Union Daily to re-issue a new credit card. If there is anything else we can do for you please call People Driven Credit Union at 844-700-7328.