Service-Fee-Free ATM and Shared Branch Locations!
Access Your Money Anywhere!
Looking for Nationwide Shared Branch and ATM Locations? At People Driven Credit Union, we make it easy for our members to access their money without paying unnecessary fees. Whether you’re at home or on the road, you can still avoid surcharges by using one of our PDCU ATMs. Plus, when you travel, you can choose from thousands of participating ITM/ATMs nationwide through our trusted network partners.
Where Can You Find Fee-Free location?
As a People Driven Credit Union member, you have access to a nationwide network of over 37,000 surcharge-free locations through our partners at CO-OP Network and Alliance One. These networks give you convenient, 24/7 access to your funds at credit unions, retail locations, and locations across the United States, without paying a fee.
Fee-Free Locations Nationwide:
| Find a CO-OP Location | Find an Alliance One Location |
Shared Branches Nationwide (CO-OP Shared Branch):
Need more than an ITM/ATM? When you’re traveling (or just far from a PDCU branch), you may be able to visit a participating CO-OP Shared Branch location and handle everyday banking in person, similar to what you’d do at your home branch.
Use the CO-OP Locator to find nearby shared branches:
What to bring: A valid photo ID and your PDCU account information.
Good to know: Not all credit unions participate, and available services can vary by location.
Find a nationwide shared branch or ATM location
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Find a CO-OP ATM
Search for participating CO-OP ATMs near your current location or another address.
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Find an Alliance One ATM
Use the Alliance One locator to find participating ATMs throughout the United States.
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Find a CO-OP Shared Branch
Locate participating credit unions where you may be able to complete certain account transactions in person.
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View PDCU Locations
Find People Driven Credit Union branches, hours, contact information, and available services throughout Michigan.
Find a Surcharge-Free ATM
Use a participating network ATM to withdraw cash or check available ATM services near you
ATM availability and supported transactions vary by location. Review the locator details and the ATM screen before completing your transaction.
Find a CO-OP Shared Branch
A participating CO-OP Shared Branch may let you complete certain transactions with help from another credit union’s staff.
What to Bring
Bring:
- A valid government-issued photo ID
- Your PDCU account number
- Any additional information required for your transaction
Before You Visit
Shared branch participation, hours, transaction limits, and available services vary. Contact the location before visiting to confirm it can complete your transaction.
ATM or Shared Branch: Which Do You Need?
ATM
Best for cash withdrawals and other transactions supported by the machine.
Shared branch
Best when you need assistance from a participating credit union employee.
PDCU branch
Best for services that a shared branch cannot complete or when you want help directly from PDCU.
Questions About Accessing Your Account?
If you are unsure which location or network to use, contact People Driven Credit Union at 844-700-PDCU before visiting.
Frequently asked questions
A shared branch is a participating credit union location where People Driven Credit Union members can complete certain account transactions in person. Shared branches provide access to your PDCU account when you are away from a PDCU branch.
Available transactions may include deposits, withdrawals, transfers, account inquiries, and loan payments. Services, transaction limits, and availability vary by shared branch, so contact the location before visiting.
Bring a valid government-issued photo ID and your PDCU account number. The shared branch may request additional information depending on the transaction you need to complete.
Yes. You can make a deposit at a participating CO-OP Shared Branch. Deposit policies, limits, holds, and accepted payment types may vary by location, so contact the shared branch before visiting.
You cannot deposit cash into your PDCU account at a CO-OP or Alliance One ATM. To make a cash deposit, visit a PDCU branch or a participating CO-OP Shared Branch.
Participating ATMs listed in the CO-OP and Alliance One locators are surcharge-free for PDCU members. Confirm that the ATM is listed as participating before starting your transaction.
Use the CO-OP or Alliance One locator to find a participating ATM. You should also compare the network logos displayed on the ATM with the logos shown on the back of your PDCU card.
If the ATM displays a surcharge before completing the transaction, cancel the transaction and use the CO-OP or Alliance One locator to find another participating ATM. If you complete the transaction and receive an unexpected charge, save your receipt and contact PDCU with the ATM location, transaction date, transaction amount, and surcharge amount.
Yes. PDCU members can use participating CO-OP Shared Branch locations outside Michigan. Search the CO-OP locator and confirm the location’s services and hours before visiting.
Yes. Contact the shared branch before visiting to confirm its hours, participation, available services, identification requirements, and transaction limits.
Disclosures:
Available ATM services and transaction charges may vary by location, account, and network. Review the ATM screen before completing a transaction. Contact PDCU if you have questions about using a particular ATM.
ITM/ATM Locations for Withdrawals only, No deposits. PDCU members pay NO SURCHARGES OR FEES for transactions at any ITM/ATM owned by PDCU. People Driven Credit Union members can use their PDCU card or VISA Debit Card at any NYCE, ALLIANCE ONE, CIRRUS, CO-OP Network, or any merchant displaying the NYCE logo. As a PDCU member, you pay no surcharges at hundreds of locations across the Detroit area. Plus, you get access to more than 30,000 surcharge-free locations nationwide.
PDCU members pay a $5.00 fee for withdrawals, transfers, and account inquiries made at machines not owned by PDCU. However, the first four withdrawals in a month are FREE if you.
(a) To qualify, you must have a Direct Deposit of at least $400 per month from your paycheck or another recurring deposit.
(b) In addition, you must keep at least $1,000 in any Savings Account other than checking.
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