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 help you act before a transaction causes an overdraft.
Review your available balance
Check your account regularly and pay attention to pending purchases, ACH payments, and other scheduled transactions. Reviewing your available balance instead of only your current balance can help you avoid spending money that is already committed.
Choose the overdraft option that fits you
People Driven Credit Union offers Overdraft Protection Transfer from linked savings, which currently costs $3 per transfer, and Courtesy Pay for eligible accounts, which currently has a $30 fee per item paid. Courtesy Pay is discretionary and not guaranteed. You can also choose to opt out of overdraft services so transactions that exceed your available balance may be declined without an overdraft fee.
Need help?
If you want help reviewing your overdraft settings or choosing an option, call 248-263-4100 or 844-700-7328 during business hours.
