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This Fee Schedule for all accounts sets forth certain conditions, fees, and charges
applicable to your accounts at Pacific Service CU.
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| Checking Account Fees |
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Direct Deposit checking
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$5 per month if direct deposit not established within 60 days of account opening or any month without direct deposit
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| Minimum balance fee for Dividend Checking |
$5 per month if daily balance falls below $500
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Insufficient funds fee (NSF) - draft or ACH
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$20 per item
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Courtesy pay fee
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$30 per item
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| Checking overdraft transfer |
$2 each transfer
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Stop payment fee (recurring check card transactions)
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$10 per request
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Check copies
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2 free per month, then $2 per copy
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Check copies - rush order
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2 free per month + FedEx costs, then $2 per copy + FedEx costs
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| Faxed copy of check |
2 free per month, then $2 per copy
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Temporary checks
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Initial opening checks free, then $5 after
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Checkbook reconciliation
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$20 per hour, 1 hour minimum
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| Check orders |
Varies, depending on style
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| Bill pay |
Free as long as at least one bill is paid per month; otherwise a $5.95 monthly fee applies
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Fees Applicable to All Accounts
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ACH - Outgoing
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$10 per request
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ACH - Outgoing (recurring)
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$10 at origination
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ACH - Incoming (loan payment by phone)
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$10 per payment
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| ATM - invalid deposit |
$10 per incident
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| ATM - deposit adjustment (miskeyed) |
Up to $8
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| ATM - withdrawal fee |
12 free per month (non-PSCU ATMs); $1 per withdrawal after that; a fee may be imposed by the ATM owner
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Returned deposit - check or ATM
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$20 per item
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Returned payment - check or ACH
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$20 per item
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Stop payment - check or ACH
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$10 per order
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Stop payment - third party teller check
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$10 each
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| Stop payment - lost, stolen, destroyed teller check |
$10 per check
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Notary - member with non-PSCU document
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$5 per signature
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Notary - non-member with any document
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$10 per signature
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Early closure fee - checking
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$20 within 60 days of opening
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Early closure fee - IRAs
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$20 within 60 days of opening
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| Third-party teller checks |
1 free per month, then $5 per check
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Check cashing - for members without a PSCU checking account
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$10 per check
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Bad address
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$5 per occurence
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Verification of deposit
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$10 each
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Call center account inquiry
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2 free per month, then $1 per call
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Printed account history
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$2 per page
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Printed balance inquiry
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$2 per inquiry
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Account research
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$20 per hour, 1 hour minimum
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Express mail/rush/overnight
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$10 each
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Rush order of other documents
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$10 per request
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Mailed receipts
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$2 each
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Copy of statements
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$2 per page
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Copy of teller check
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$2 per copy
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Copy of credit/check card receipt
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$5 each
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Low balance fee
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$5 per month on single service savings accounts of less than $100
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Outgoing wire fee
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$20 per item
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IRA transferred to another institution
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$25 per transfer
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Levies, IRS levies, withholding, judgement or legal order
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$20 per order or as permitted by law
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Subpoenas
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$20 per order or as permitted by law
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| Consumer Lending Fees |
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Refinance to reduce loan rate
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$200 each refinance
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Auto equity document preparation
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$200 each
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Consumer loan late charge
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5% of the monthly loan payment amount
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| Skip-a-Loan Payment finance charge |
$20 per request, no charge for VISA
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Visa late charge
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$10 each
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Visa Rewards Annual Fee
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$60
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Real Estate Fees
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First mortgage processing
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$300 each
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First mortgage underwriting
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$495 each
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Deed of reconveyance/recording
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$45 each
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Subordination
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$75 each
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Demand for payoff
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$30 per demand
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Redraw document fee
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$50 each
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Real estate additional fax
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$10 each
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Refinance fee - for loans under $15,000 add-on or within 6 months of opening
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$200 + actual costs
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Early closure fee - Any home equity within 6 months of opening
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$100 + actual costs
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