Checking Account Options

You can open a checking account with People Driven Credit Union online or in person at one of our branch locations. Opening a checking account online is a convenient option if you want to get started from anywhere, or you can visit a branch if you would rather speak with someone in person.

How to get started

To open an account online, visit our Open Account page. If you prefer to open your account in person, visit one of our branches in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

What to expect

PDCU’s Basic Checking Account is designed to be simple and easy to use, with no monthly maintenance fees and no balance requirements. Membership and eligibility requirements apply, and all accounts are subject to approval.

Helpful next step

Once your checking account is open, you may want to link it to a PDCU savings account for overdraft protection or set up recurring transfers to help build your savings over time.

Need help?

If you need help opening a checking account, call 844-700-7328 during business hours or contact us.

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.

People Driven Credit Union offers checking account options for members who want easy access to their money. Our Basic Checking Account is designed for everyday spending and digital banking. We also offer Money Market Plus and High-Yield Money Market Accounts for members who want to earn more than a standard savings account while still keeping their funds accessible.

Account options to consider

• Basic Checking Account, designed for everyday deposits, payments, debit card use, direct deposit, and bill pay
• Money Market Plus Account, for members who want higher earnings, check writing, and flexible access to funds
• High-Yield Money Market Account, for members who want higher dividends, check writing, and convenient access to funds

What you can do with these accounts

With a Basic Checking Account, you get a free Visa Debit Card, online bill pay, mobile check deposit, and 24/7 digital access through the MyPDCU app. With both the Money Market Plus Account and the High-Yield Money Market Account, you can write checks, send money electronically, and withdraw cash from an ATM or ITM. These accounts can be a good fit if you want stronger earning potential without giving up easy access to your money.

Cash access and digital banking

PDCU members can send money electronically through online and mobile banking and access cash through drive-thru ITMs at branch locations and surcharge-free ATM locations nationwide. PDCU branch ITMs work like an ATM and also offer live teller help during business hours at the push of a button.

Need help choosing the right account?

Call 248-263-4100 during business hours and our team can help you compare your options. You can also visit our Checking Account Options, Money Market Plus, and High-Yield Money Market pages to learn more.