Sometimes, unanticipated expenses can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, and potentially embarrassing experience. At People’s we help to save you from the additional merchant fees (and possible damage to your credit history) that might result if a check is returned. That’s why we provide Courtesy Pay, a special overdraft service for our members.
Courtesy Pay for checks and recurring debit card transactions does not require any action on your part. It simply provides you a safety net up to an automatically assigned overdraft limit. (Your limit will vary based on whether or not you have direct deposit to your checking account.) Your Courtesy Pay limit may be available for checks and other transactions made using your checking account.
Benefits:
- Convenient
- Avoids embarrassment
- Provides a safety net
- Good for emergencies and unexpected expenses
Ready to speak about Courtesy Pay?
Questions about your account or our services? Our Member Services team is standing by.
Authorize Us to Pay ATM and Debit Card Transactions
You can sign up (also called opt-in) if you want us to pay your everyday debit card transactions, as well as ATM withdrawals. To authorize us to pay these types of transactions, please complete and sign this Authorization Form and mail it to us.
You may also bring the form to any of our branch offices.
People’s Community Credit Union
P.O. Box 764, Vancouver, WA 98666
The Perks of Banking with People's
Bank Anywhere!
Manage your account on your terms! People’s offers convenient service that let you bank anywhere.
- Sign up for eStatements and receive your account statements by email.
- Online Banking – fast, easy, secure access to your account from anywhere.
- Mobile Banking – manage your money directly and make mobile check deposits from your phone using our app or text banking.
- Phone Banking – Live 24/7 Call Center
- Local: 360-695-5121
- Toll-Free: 1-800-252-6525
- Automated Phone Banking – convenient 24/7 account access
- Local: 360-695-7559
- Toll-Free: 1-877-TELLER0 (1-877-835-5370)
- Credit Card Online Access – 24/7 ability to make credit card payments and find other information on your card
- CardFree Cash℠ – No card? No problem. Get cash safely and instantly without using your debit card.
Overdraft Protection
People’s provides the tools you need to access your accounts and avoid embarrassing and costly overdraft situations.
- Overdraft Protection – avoid overdrawing your account with our safety-net overdraft protection.
- Automatic transfers from savings.
- Automatic transfers from your personal line of credit, once approved.
- Courtesy Pay – unanticipated expenses can inadvertently leave you with too little cash in your checking account. Avoid the embarrassment and merchant fees with People’s Courtesy Pay service. Learn more.
CardLock Theft Protection
Take control of your cards on the go with People’s CardLock. If you’ve misplaced your People’s debit card or credit card, or you’re noticing suspicious activity in your account, you can take action immediately before your identity or finances are compromised.
People’s CardLock is a free smartphone app designed to help protect your debit and credit cards, with custom alerts and blocking features. Learn more.
- Alerts: The CardLock app will alert you every time a transaction is declined, online activity is reported, and for specific types of purchases.
- Controls: People’s CardLock also includes controls to block specific types of transactions. This can be helpful in impulse buying, fraud prevention, and more.
- Turn Cards On/Off: CardLock gives People’s members the ability to turn their debit and credit cards on and off at any given time without needing to contact the financial institution. When the account is locked, new charges and cash advances will be denied.
In-Branch Banking Services
In addition to applying for loans, opening deposit accounts, and traditional teller transaction, you can find these convenient in-branch member services.
- Notary Services – we offer notary services to all members in all of our branches. Make sure to bring a photo ID!
- Safe Deposit Boxes – keep your valuables secure in our safe deposit boxes, available at our Hazel Dell and Battle Ground branches. We’ll automatically deduct the fee from your savings account.
- Night Deposit Boxes – located at our Hazel Dell, Battle Ground and Fisher’s Landing branches, for when you need to drop off a deposit or payment after hours.
- Cashier’s Checks – members may obtain one Cashier’s Check for free each day. Additional checks cost $5.00. Not available to non-members.
- Wire Transfers – a safe and convenient way to transfer funds electronically, People’s offers both incoming and outgoing wire transfer services for domestic and international transactions.
Courtesy Pay in Vancouver WA
Serving Greater Vancouver WA