Life Happens!

At People’s Credit Union, we understand that unexpected overdrafts can occur.  The great news is that we have solutions that can assist you when these instances happen. 

Overdraft Options

Overdraft Privilege

An elective service that we offer as a standalone overdraft product or as a backup to overdraft protection if the sources are exhausted

  • No minimum balance
  • No monthly service charge
  • Free starter checks

For more information, please call our Member Service Center at 800.498.8930 or visit one of our six locations.

Savings Overdraft Protection

Link your checking account to another savings account at People’s Credit Union

  • No annual fee
  • Only $5.00 fee per transfer

Personal Overdraft Protection

A line of credit available only to cover overdrafts.

  • Minimum amount: $100; Maximum: $2,500
  • Interest calculated on outstanding balance only
  • Annual fee $25

Personal Line of Credit

A line of credit available to cover overdrafts as well as other financial needs

  • Minimum amount: $1,000; Maximum: $25,000
  • Interest calculated on outstanding balance only
  • Annual fee $25

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Overdraft Protection Link to Another Deposit Account you have at People’s Credit Union1$5 fee per transfer
Overdraft Protection Line of Credit1, 2Subject to fees + interest
Overdraft Privilege$35 Insufficient Funds Charge

1Call us at 800.498.8930 or come by a branch to sign up or apply for these services;
2subject to credit approval.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at People’s Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

Transactions Covered with Overdraft PrivilegeStandard Coverage
(No action required)
Extended Coverage (Your consent required on consumer accounts) *
ACH – Automatic DebitsXX
Recurring Debit Card PaymentsXX
Online Bill Pay ItemsXX
Internet Banking TransfersXX
Teller Window TransactionsXX
ATM Withdrawals X*
Everyday Debit Card Transactions X*
If you would like to select Extended Coverage for future transactions:
call us at 800.498.8930, visit any branch, complete a consent form and mail it to us at 858 W Main Road, Middletown, RI 02842 or e-mail us through the iBanking portal for assistance.

*If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by contacting us at 800.498.8930, visiting any branch or sending us an e-mail through the online banking portal for assistance.


Active as of 06.16.2024

Personal Line of Credit

Adjustable Rate

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Helpful Resources

At People’s Credit Union, we are passionate about providing resources, information, and solutions to help you get ahead.

Frequently Asked Questions

What can we help you with today? 

People’s Credit Union’s Routing number/ABA number is 211573151 and it can also be found at the bottom of our website. Our routing number is the same for ACH transfers, checks, and wires.

You can view your account balance/s by signing into your online banking profile through our website or through the PCU mobile app. To view account activity, click on the desired account to view recent activity. You can filter by date range to see previous activity.

If you are an existing member, you can open an additional deposit account through your online banking profile. Once you log in navigate to the Open an Account tab and follow the flow to complete the account opening process. Your new account can be funded with either an existing People’s Account or a linked external account.

Within the PCU mobile app, you would select the “Deposit a Check” option. Once you have read the notices, you would select an account to which the check would be deposited and input the check amount. You would then take a picture of the front and back of the check in a well-lit environment, ideally with a dark background, as directed on the screen. The check must include “Mobile Deposit to PCU” under the endorsement to be accepted for deposit.

Once submitted, you will receive an email indicating that the check was received. Please retain the check for 30 days. Mobile deposited checks are manually reviewed and may be rejected upon review. If rejected, you will receive an email with the reason the deposit was not successful.