Share Draft/Checking:

Share Draft/Checking
Members can open a share draft account at the Credit Union with an initial deposit of $50. Dividends are figured on the average daily balance if at least $200 is maintained. Some of the other features of our share draft accounts are:

• Carbonless share drafts for easier record-keeping
• Automatic transfer for overdrafts if prearranged by the member.
• Direct deposit and payroll deduction
• Direct withdrawal features (telephone bill, house payment, etc.)
• Free Checking

• After Hours depository
• Mail Transactions
• Cashier's Drafts
• Federal Tax Depository
• Notary Service
• Money Orders
• Travelers Checks
• Telephone Transfers
• Wire Transfers
• NADA Auto Appraisal Guide
• NCUA Insured up to   $100,000
• Drive-Up Services
• PALS (Audio Response) 1-877-478-3663
• Direct Deposit
  Email: peoples@ncn.net
• View cleared checks online
• Make your Peoples Credit MasterCard Payments at the Credit Union
• Online Home Banking

MasterMoney Debit Card

• Convenience of using a card rather than writing a check for purchases
• Accepted world-wide even where share drafts or checks usually are not
• Card can be used in ATM machines that display CIRRUS or SHAZAM networks for deposits, withdrawals, transfers and inquiries.
• Privilege Status ATM machines free of charge transactions

Fraud Updates for Members
http://www.linktoliberty.com/FraudEducationSeries/

Student Loan applications available

• MasterCard Credit Cards-     6.99% APR, No Annual Fee, 25 Day Grace Period

Savings Programs:

We are proud of the array of savings accounts we offer to our members:

• Primary Share Account
• Secondary Share Account
• Christmas Club Account
• Money Market Account
• Escrow Accounts
• Term Share Accounts
• Individual Retirement Accounts (IRA)
• Kirby Kangaroo Club Accounts

Try our Time and Temperature automated phone line!
(515) 832-3260

FAX: (515) 832-4877
Time and Temperature:
(515) 832-3260
PALS (Audio Response):
(877) 478-3663

Lobby Hours
Mon - Thur
8:30am - 4:30 p.m.
Friday
8:30am - 5:00pm
Saturday
8:30am - 12:00 noon

Drive-Up Hours
Monday-Thursday
8:30 a.m. - 5:00 p.m.
Friday
7:30 a.m. - 5:30 p.m.
Saturday
8:30 a.m. - 12 noon

PALS (Peoples Automated Line System) is now available.
PALS is a computerized voice response system that provides you with nearly every service as a credit union teller. With PALS and a touchtone phone, your accounts are availableto you 24 hours a day, 365 days a year.

Before you call PALS, you will need to know:
1. Your account number and account types. You can find these on your statement.
2. Your Personal Identification Number (PIN). The first time you access PALS you will be instructed on how to select your PIN.

Getting started
Dial 1-877-478-3663 from any touchtone phone. You will hear the PALS greeting.
Press 1 to use the Voice Response System.

To use the Voice Response System (PALS)

1 For inquires
1.Specific account information
2.Account balances
3.Cleared checks, deposits, or withdrawal information
4.Interest/Dividend information
5.Loan information
6.Payroll information
7.Check current reates
8.Tax information

2 To transfer funds

3 Other Services
1.Change your password
2.Estimate a loan payment
3.Request copies
4.Report lost or stolen Debit Card
5.Report lost or stolen Credit card

4 Joint member inquires

5 Account balances

6 Cleared checks, deposits or withdrawal information

8 Withdraw Funds

PRESS * at any time to exit or end call.
(Six electronic tranactions per month limit)