This checking account continues to provide a simple way to manage your business and offers the opportunity to earn dividends on daily balances of $500.00 or above. A minimum balance of $100.00 is required to be maintained in the account at all times. If the balance falls below $100.00, a $5.00 per month service fee will be charged.

Other Features/Benefits:

  • No monthly service charge
  • Unlimited monthly transactions
  • Account subject to $25.00 overdraft fees
  • Debit Mastercard and check orders are available on account
  • Eligible for Direct Deposit for member’s convenience
  • Earns dividends that will help your money grow
  • Monthly statements are provided to members giving peace of mind of account balance and transaction history
  • Can be accessed via CUTalk Telephone services, It’sMe247 Mobile & Online Banking, through a phone call or stopping by a credit union branch, ATM, or ACH deposits and withdrawals

Additional Services

Debit MasterCard gives you a faster, more economical, more convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from you share draft and share savings account without ever having to write out a check or limit you to credit union hours. You can purchase groceries, gas, or anything else. Use your card wherever MasterCard® debit card is accepted. Plus, Debit MasterCard performs all the functions of an ATM card. It’s the checking-withdrawing-depositing-and-transferring-funds card all in one. We offer free Debit MasterCard cards on our share draft accounts. For security purposes, transactions processed as debit are limited to five transactions with a maximum amount of $300.00 per day. Additionally, transactions processed as credit are limited to ten transactions with a maximum amount of $1250.00 per day. Contact a member service representative for requests of any adjustments for planned transactions. As an added safeguard, Peoples Choice Credit Union provides a cap on your liability if your card is lost or stolen. See disclosures for additional details on the Debit MasterCard.

With It’sMe247 Online Banking, you can keep in touch with your credit union accounts any time, from any place life takes you! If you have a computer and a connection to the Internet, you can use It’sMe247 Online Banking to check balances, transfer money, and stay connected with your credit union accounts around the clock. With built-in security and personalization features, It’sMe247 Online Banking lets you access your accounts, your way.

The first time you log in to your accounts in online banking, you’ll need to enter your account number and temporary password. Ask a member service representative for your temporary password. You’ll be required to change the password in order to finish logging in the first time.


  1. Enter in the address line of your browser software.
  2. When our website appears, click the ‘Login’ within the menu bar.
  3. Enter your account number (or username, if you have one) and click ‘Submit’.
  4. Enter your password and click ‘Submit’. If you have logged in before, you will also need to answer one of your chosen security questions, now.
  5. First time users, follow the instructions on your screen to change your temporary password and set up your security questions and other settings.
  6. When the It’sMe247 screen appears, you are in!
  7. *If you are an owner on more than one credit union membership, ask us about setting up controls to make it easy to see or jump between your accounts in online banking.

*To change your login from your account number to a username, log in to online banking, click ‘Info Center’, then ‘My Preferences’, then select ‘Username Options’ and follow the easy instructions.


  • Apply for a loan
  • Check your account balances
  • View the date and amount of your transactions including deposits, withdrawals, transfers, and payments
  • Verify that certain checks have cleared
  • Read messages from the credit union
  • Stop payment on a check
  • View your statements online by signing up for E-statements under “Documents”
  • Pay bills online with It’sMe247 Bill Pay
  • View images of cleared checks
  • Transfer funds between accounts
  • Download transaction information to your money management software (such as QuickBooks)
  • Make loan payments from funds in your accounts
  • Set up or change automatic transfers
  • Withdraw funds in the form of a check
  • Set up e-Alerts and sign up for e-Notices
  • Assign nicknames to your accounts
  • Review loan payoff amounts and due dates
  • Check current loan, savings, and certificate rates
  • Open additional savings accounts (Secondary Share and Christmas Club)
  • Open a certificate of deposit
  • Change your password and security questions
  • Notify the credit union of your new address or phone number
  • Choose personal preferences such as background color, photo album, and starting page
  • View annual dividend and interest information

Looking for an easy way to simplify your life? It’sMe247 Bill Pay can help you do just that. With Bill Pay you can receive and pay your bills online with the click of a mouse or through mobile access from your credit union share draft/checking account. Pay any bill, including your house payment, your credit card company – even your babysitter – at any time, from anywhere.


Simply login to It’sMe247 online banking, then click the ‘Pay and Transfer’ icon. The rest is easy! Step-by-step point and click instructions will guide you through enrollment and set up process.


One of the many benefits of Bill Pay is the ability to receive bills electronically. Not every company is set up to send e-bills yet, but the list is growing every day. To begin receiving e-bills from a payee you’ve already established, simply click on the ‘E-bill’ link next to the biller’s name. Then follow the simple instructions for e-bill setup.


  • Easy to set up – follow simple point and click instructions.
  • Authorize checks to be sent to anyone, from babysitters to utilities.
  • Keeps a payment history register.
  • You can set up recurring payments – like mortgage and car payments or insurance premiums.
  • Schedule payments at your convenience. Some billers can receive next-day payments.
  • Add billers quickly with just an account number, address, phone number, and zip code.
  • No additional sign-on or passwords to remember – just click the ‘Pay and Transfer’ icon from It’sMe247 online banking.
  • Monitors the status of your payments.
  • You have complete control.
  • Schedule reminders and recurring payments.
  • Bill Pay is safe and secure.
  • Access through mobile banking as well.
  • Pay multiple bills at one time.

Transfer Overdraft Protection

Overdraft Transfer is the first overdraft protection that occurs. It is a transfer that takes place between your accounts at the credit union to cover any transactions that may clear given enough funds are available to transfer to cover the transactions. When the credit union receives an item for payment that causes the balance in your account to go below zero and there are funds available in your savings (or other designated accounts), it will transfer the amount required to cover the transaction and the $5.00 fee for the transfer. This will allow the transaction to clear and not drop your account balance negative. No fee is charged when funds are transferred from a Kwik Cash loan.

Courtesy Pay Limit             

Courtesy Pay is a non-contractual courtesy that Peoples Choice Credit Union may provide to our members with share draft/checking accounts, 30 days after account opening if your account is not negative during that time. We may cover insufficient funds checks, electronic funds transfers, or other payment/withdrawal requests up to your approved limit. This means that instead of returning a check to the merchant, the credit union may pay your check up to the maximum $250.00 limit including any fee being accessed, saving you additional charges from the merchant or a collection agency. We will charge a $25.00 fee for each item, and send you a notice each time an overdraft occurs. You must bring your account positive within 30 days or service may be revoked.

Reg E Overdraft Coverage (ATM/Debit card transactions)

Peoples Choice Credit Union does not authorize and pay overdrafts for ATM or everyday debit card transactions unless member requests it to be done. When the credit union receives an item for payment from ATM/debit card transactions that would cause the balance in your account to go below zero, we may, as an extension of the courtesy pay limit, pay the debit up to $250.00 including the overdraft fee. You must bring your account positive within 30 days or service may be revoked.

Kwik Cash is a line of credit that is held with Peoples Choice Credit Union. You are able to access the funds at any time. It is also able to be set up as an overdraft transfer account tied to your share draft account. Please contact a loan officer for more information.