Account Services

View our Electronic Fund Transfer Policies | View our Schedule of Fees

People's Credit Union offers a host of services to make your banking experience more convenient.

  • Touch-Tone Teller
  • Direct Deposit
  • Overdraft Protection
  • Overdraft Privilege
  • Identity Theft Protection
  • Access Your Visa Account Online

Touch-Tone Teller

Check balances or transfer funds to and from your checking, savings, and loan accounts from any touch-tone telephone. You can access Touch-Tone Teller by calling 847.9911 or 888.728.2447.

Direct Deposit

Paychecks and other regularly occurring payments, such as Social Security, dividend or retirement checks can be deposited directly into your People's Credit Union account.

Overdraft Protection

Everyone can make a mistake, but when it’s in your checkbook it can mean the embarrassment and cost of a bounced check. We offer a Personal Overdraft Protection Line of Credit* on all checking accounts. Should your account not have sufficient funds to cover a check, we’ll advance the money required to cover it, up to the amount of your credit limit.

*Subject to credit approval. Interest charges apply to line of credit balances.

Overdraft Privilege

Ever write a check just to find you don’t have enough in your account to cover it? Rather than automatically returning, unpaid, any non-sufficient fund items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing. This service is available automatically on all eligible business and personal checking accounts.

Our normal non-sufficient funds or overdraft charges (currently $29 per item) will apply to each item that would create an overdraft on your account. We will send you a notice each time an overdraft occurs. Of course, we can’t promise to pay every overdraft and we are never obligated to pay your overdraft, even if your account is in good standing and even though we may have previously paid overdrafts for you. Restrictions do apply.

Identity Theft Protection

Identity theft is a serious matter and an insidious crime - much more dangerous than it seems.  By the time most victims are aware they've been targeted, the damage has been done.  In fact, identity thieves count on you not noticing until it's too late.

Now with People's Credit Union's ID Protection Service your personal credit report is constantly monitored and you are alerted by e-mail of any changes to your credit report.  This active monitoring will help stop thieves early and minimize your losses.  You'll get $25,000 insurance coverage and comprehensive restoration services should you ever fall victim to identity theft.

ID Protection Service is easy to use, and it's affordable.  As a member, ID Protection Service  is available (per social security number) to you at the low price of:

  • Single Bureau (Experian) : $4.99 per month / $49.99 per year
  • Triple Bureau (Experian, TransUnion, Equifax): $6.99 per month / $79.99 per year

Access Your Visa Account Online

Check your balance, payment information, and more:

Access Your Visa Account

Apply Online for a People's Credit Union Visa Card