A PLOC is the perfect companion to your People’s checking account. When you sign up and are approved for a PLOC, you protect yourself against accidentally overdrawing your account. Rather than declining or returning your transaction because of insufficient funds, we’ll automatically advance you a small loan.
This helps you:
⦁ Avoid the embarrassment of returned checks and other charges to your account
⦁ Protect your credit record
⦁ Avoid overdraft fees
⦁ You can also use PLOC for emergencies, travel, education or other purchases you would like to finance. This is just one option available for financing these needs; we offer other personal loans, such as share-secured and debt consolidation. See what other options we offer.
There are no annual fees for a PLOC, nor any fee per withdrawal. Apply for a PLOC below today!
At People’s Community Federal Credit Union, you are not a number. Every member gets the same rate, regardless of credit score. If you are approved for a PLOC, you get the same great rate as everyone else
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Questions about your account or our services? Our Member Services team is standing by.
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.