You can reduce overdraft risk by tracking balances, setting alerts, and using account tools offered by People Driven Credit Union. How to avoid overdrafts:
Set Low-Balance Alerts
Log in to online banking or open the MyPDCU app. Go to Alerts. Set a low-balance notification for $50 or $100. You get a text or email before you run low.
Review Pending Transactions
Check your account daily in the app. Look at pending purchases and ACH items. This helps you know your true available balance before you spend.
Choose Overdraft Options
We offer Overdraft Protection Transfer for $3 per transfer from linked savings. Courtesy Pay covers items for $30 each at our discretion. You can also opt out of all coverage, so transactions decline with no fee.
Get Help from Our Team
Call us at 248-263-4100 during business hours. Our team reviews your options right away. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.
