All members of Peoples Choice Credit Union must maintain this basic savings account. This account represents membership in the credit union by giving members ownership and voting privileges in the credit union. A $5.00 minimum deposit must remain in the primary share account at all times while the membership is active. Dividends are compounded quarterly and earned on balances in excess of $100.00.

We have multiple types of membership types. Individual is the most common and the account opening requirements are listed below. We also offer Representative Payee, Guardianship, Custodial (UTMA – Uniform Transfers to Minor Act), Doing Business As, Sole Proprietorship, Super Saver (age 12 and under), Soaring Saver (age 13-17), and Living Trust memberships. These memberships may require additional items at account opening; contact a member service representative for any additional requirements.

Other Features/Benefits:

  • Gives you access to all other Peoples Choice Credit Union products and services
  • Pays competitive dividends that will help your money grow
  • Insured by NCUA for up to $250,000 per share owner, so funds are secure and protected
  • Quarterly statements are provided to members giving peace of mind of account balance and transaction history
  • Eligible for Direct Deposit for member’s convenience
  • Can be accessed via CUTalk Telephone services, It’sMe247 Mobile & Online Banking, through a phone call or stopping by a credit union branch, ATM (if member has Debit Mastercard from eligible share draft/checking product), or ACH deposits and withdrawals
  • Can be set up as an overdraft protection behind a share draft/checking product
  • Six withdrawal or transfer limit on account that includes preauthorized or automatic transfer, or telephonic agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor and payable to third parties
  • Unlimited withdrawals or transfers on transactions initiated in person, via messenger or mail; over-the-counter withdrawals and transfers, ATM withdrawals and transfers or installment loan repayments

Additional Services

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!
*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

You can have direct access to your credit union accounts with just one phone call. CU*Talk, our telephone banking system, which makes taking care of your credit union business faster, easier and safer! Because you can now get around-the-clock access to your accounts, this service is perfect for today’s busy lifestyles. Whether you’re at home, at work, or thousands of miles away, CU*Talk puts your accounts right at your fingertips.

All you need to contact CU*Talk is a touch-tone phone, your member number, and your Personal Identification Number (PIN) – Password for CU*Talk. Now you are all set to take care of business!


  • Review account balances.
  • Verify the date and amount of your transactions, including deposits, withdrawals, transfers and payments.
  • Verify whether certain checks have cleared.
  • Transfer funds between accounts.
  • Make loan payments.
  • Check current rates.
  • Change your Personal Identification Number (PIN) – Password for CU*Talk.
  • Obtain annual dividend and interest information.

Step-by-step instructions make it easy to use CU*Talk:

  1. Using your touch-tone phone, call: 1-855-847-1726
  2. You will be asked to enter your member number. Then press the # key. Next, you will be prompted to punch in your Personal Identification Number (PIN) – Password for CU*Talk. Enter your PIN and press the # key. Be careful–if you enter the PIN incorrectly three times, your PIN will be disabled. You must contact the credit union directly for reactivation. First Time Users – Ask a Member Service Representative for your temporary PIN. For security purposes, after you enter the system, you will be prompted to change your PIN – Password for CU*Talk.
  3. From this point on, the CU*Talk procedure will vary depending on the transactions you wish to complete. CU*Talk will guide you through each step. Hint: This first set of options includes a brief tutorial (press “0”) with tips and hints for using the system. You can press * to return to the main menu at any time.

When you have finished your last transaction, simply hang up the phone.

Keep connected to your finances in the most convenient way – in the palm of your hand! Now available for your banking ease is Mobile Web Banking through It’sMe247 Online Banking.


  • View account balances and details for savings, checking, certificates, loans, and credit cards.
  • View funds on hold for savings and checking.
  • View pending transactions for debit cards.
  • View pending ACH transactions.
  • View eAlerts and other messages from the credit union.
  • Perform instant transfers between accounts (as allowed in It’sMe247 Standard Online Banking).
  • Pay bills from your mobile device.


You will automatically be redirected from the standard It’sMe247 website when you navigate to online banking from your mobile device. Mobile Web Banking has a similar feature set as It’sMe247, but with views optimized for web browsers on mobile devices, and slightly more advanced styling for the iPhone and Android based devices.


For more information on what Mobile Banking is and some tips on how to get the most out of it, you can log in to It’sMe247 Online Banking on your home computer and look for the ‘Try Mobile’ button along the top navigation bar.

Receive banking information in a convenient way by texting your credit union at IM247(46247)! Stay informed with real-time text alerts.


  • Send a text message command to receive text message replies regarding the balance of your savings, checking, certificate, and loan accounts.
  • Enroll in e-Alerts and receive notices regarding account balances, electronic deposits, withdrawals, or when a payment is due.


You can enroll in text banking by hovering over the ‘Go Mobile’ button on the It’sMe247 toolbar. Then click ‘Text Banking’ to access the enrollment screens. After enrollment, text commands to IM247(46247).

For text banking frequently asked questions and text commands, click here.