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 Protection Transfer
You can link your Basic Checking Account to a PDCU savings account. If you have available funds in savings, money can transfer automatically to help cover a transaction. A transfer fee may apply, so review the Fee Schedule for current details.
Courtesy Pay
Courtesy Pay is available for eligible accounts in good standing. If approved at our discretion, it may help cover overdrafts for checks, ACH payments, and recurring debit card transactions up to the applicable limit. Opt-in is required if you want Courtesy Pay to apply to everyday debit card transactions. A fee may apply for each overdraft item that is paid.
Courtesy Pay is a discretionary service, not a guarantee. To remain eligible, you must bring your account back to a positive balance within 30 days. Other restrictions may apply.
No overdraft service
You can also choose not to use overdraft services. If a transaction exceeds your available balance, it may be declined and no overdraft fee will apply.
Need help choosing an option?
To ask questions about your overdraft options or update your preferences, contact our Member Services team.
