Overdraft Options
Life happens, and sometimes your balance doesn’t quite cover a transaction. At People Driven Credit Union, we offer several ways to help you manage those moments:
1. Overdraft Protection Transfer
Link your Basic Checking Account to a PDCU savings account. If your balance runs low, funds will automatically transfer (if available) to cover your transaction. A small transfer fee may apply; please refer to the Fee Schedule for details.
2. Courtesy Pay
With Courtesy Pay, we may authorize and pay overdrafts on your account at our discretion, up to a preset limit, for checks, ACH payments, and recurring debit transactions. This can help avoid declined payments or returned items.
- Available to eligible accounts in good standing
- Applies to checks, ACH, and recurring payments (opt-in required for everyday debit card use)
- A per-item fee applies for each overdraft covered
Important: Courtesy Pay is a discretionary service, not guaranteed. You must bring your account to a positive balance within 30 days to remain eligible. Other restrictions may apply.
3. No Overdraft Service
You may also choose to opt out of all overdraft services. Transactions that exceed your balance will be declined, and no overdraft fee will apply.
Do you have questions about your overdraft protection options, or would you like to set your preferences? Contact our Member Services team — we’re here to help you choose the option that’s right for you.
