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As a nonprofit, full-service financial institution, part of our mission is to provide financial education so you can feel confident that you're making informed financial decisions.


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Recent Post





Jul 7


by Nannette

If you’re afraid mobile banking might be too complex for your technology skillset, don’t be. Our mobile banking app is designed to be simple to use. With mobile banking, you have in your hand the convenience of checking your balances, paying your bills, and even making deposits at 3 a.m.  It’s a great way to make use of your mobile device.


Mobile Banking App

Our mobile banking app is free! Charges from your service provider for internet usage and downloads may apply though. Check with your mobile service provider for details. Mobile banking gives you the ability to safely and securely transfer funds between your Pacific Service CU accounts, check your account balances and transaction history, pay your bills, and deposit checks. It’s access on the go!


Mobile Deposit

You no longer need to drive to a branch or ATM to deposit a check.  Make your deposits through our mobile banking app from anywhere, day or night. Using the camera on your mobile device, just snap a picture of the front and back of your check and you’re good to go. It’s as simple as a snap and tap.


Mobile Bill Pay

Spend more time with your family and friends this summer and less time having to pay bills. Our mobile banking app allows you to make payments to any biller. You can initiate a payment, view pending payments, cancel payments, and view your payment history. Paying your bills has never been easier.


It’s easy to get started.  From the App Store search for Pacific Service Credit Union and from Google Play search for Pacific Service CU to download the app.


Your log in and password are the same as BranchLine online banking. If you don’t have log-in credentials established click here. The first time you login to the mobile app, a 4-digit, one-time PIN will be sent to your email address of record. You need that PIN to authenticate your initial log in. After that, you’ll only need your account number and password, as usual.


For additional questions, visit our Mobile Banking FAQs or call a member service representative at (888) 858-6878.

Jun 26


by Michelle

by Michelle, Assistant Vice President, Operations

by Michelle, Assistant Vice President, Operations

Being prepared is key when traveling out of the state or out of the country. Using your card is a safe and convenient way to pay for purchases while on vacation.  However, there are precautions that should be taken when traveling with plastic – for both debit and credit cards.


Call and let us know your travel plans. This can prevent our fraud monitoring systems from viewing your charges as suspicious and blocking further charges. Our computer programs that monitor your transactions can be tailored to fit your travel schedule. If our system spots unusual charges outside your normal spending profile – for example you live in San Francisco and you’re checking into a hotel in London– it might assume your card information has been stolen.


If we are not able to get in touch with you to verify charges, your card may be blocked until we can verify that it’s really you using the card. Remember, we will never ask for your credit card number or account number. You will be asked to verify ONLY the last four digits of your Social Security Number.


Here are a few phone numbers to take with you when you travel:

Pacific Service CU
(888) 858-6878 (925) 609-5288


After Hours
(866) 692-8669 – service center


(800) 543-5073 – report lost or stolen cards
(888) 241-2440 – declined transaction (using your PIN)

Outside US call collect (909) 941-1034
(800) 890-5097 – declined transaction (using signature)

Outside US call collect (727) 556-9000


Your pre-departure communication with us is also a good time to discuss any questions you may have regarding foreign transactions and provide us with the best way to reach you to verify spending.


By taking the time now to enable and protect your card, you can ensure that your travel plans will have no interruptions and you will receive all of the benefits your card has to offer.

Mar 11




Great news!  If you’ve been considering switching your checking to Pacific Service CU, now’s the time.


We’re so sure you’ll enjoy the benefits of our checking accounts, we’ll give you $50 when you open an account.


Want more?  We’ll give you $100 and same-day ATM fee reimbursement if you choose Relationship Checking with required direct deposit.


Here’s more information about our checking accounts.  If you’re not sure which account is right for you, try our simple checking account wizard.


For more information on our checking account promotion, call a member service representative at (888) 858-6878.  We’re ready to help.


Open an account or tell a friend!  We look forward to serving you.


Hurry, this offer ends April 30, 2014.


Jan 9




It’s a new year! There is always something exciting about having a fresh start. Typically resolutions usually involve getting in shape, either physically or financially. Although I can’t really help with your health and wellness goals, I can helps with your savings goal. Here are four tips to help achieve your goals.


Set a Target
Instead of resolving to “save money in 2014,” quantify it with a concrete objective. For example, “save $250 a month in 2014.” Setting a target helps you establish an expectation, work towards your goal and, most importantly, know when you’ve achieved it.


Choose One Major Objective
One major objective for the year increases your ability to focus. Make your goal easy to articulate in a short sentence. If your New Year’s resolution is to save money, lose weight and get a promotion, your end goal gets a little lost in the clutter. Focus on one resolution at a time. After you’ve built the habit of saving money each month, you can build on your success next year and add a new goal.


Automate your money management when you can. Use direct deposit, automated transfers, bill pay and more – you can set it and forget it. You may be more successful when your extra money is out of sight. Open a second savings account in BranchLine using the “Open Account” tab. Then, automatically transfer money each month to your vacation fund, a holiday stash – even a child’s account!


Be Realistic
Ultimately, resolutions fail because people give up. If you fall short of your intended target one month, that’s okay. Keep your motivation to try again next month or reevaluate and adjust your goal to make it attainable. Continue to strive for your goal throughout the year. Routines become habit.


Sticking to a New Year’s resolution isn’t always easy – but it can be rewarding! Good luck for a successful 2014.


Happy New Year!

by Kristin, Vice President, Marketing

Oct 8


Jenna, Vice President, Operations

As a non-profit financial institution, we strive to offer you convenient, low-cost options to manage your money. Overdrawing your account can result in two types of fees: Courtesy Pay or Non-Sufficient Funds (NSF).


Non-Sufficient Funds (NSF) Fee
Overdrafts without free overdraft protection or overdrafts that extend beyond your courtesy pay limit will be assessed a per-item, non-sufficient funds fee. The item will be returned, unpaid, to the payee.


Courtesy Pay Fee
Overdraft items may be covered by courtesy pay. Courtesy pay is a service we provide to protect our members from accidentally overdrawing accounts. Even if there is a shortage of funds in your account, courtesy pay may cover your transaction and prevent the hassle and embarrassment of declined transactions or bounced checks. It also helps avoid costly returned item fees charged by merchants and retailers.


Courtesy pay protection for your checks, electronic payments (ACH) and bill pay transactions is included with your account. You must, however, elect to receive courtesy pay coverage for your ATM and debit card transactions. Visit us online to sign up for this additional layer of protection.


We understand that mistakes happen; however, using these convenient services as “short-term loans” can be a more costly form of credit than other options we offer. Here are three tips to achieving responsible money management and avoiding or limiting fees.


1. Monitor Accounts
Good account management is the best way to avoid courtesy pay or non-sufficient funds fees. Closely monitor your available account balance using services like BranchLine online banking, mobile banking or free account alerts. Don’t forget to take into account pending transactions, like checks or recurring and automatic payments. You can setup account alerts in BranchLine to send you an email notification when your balance drops below a specified amount.


2. Overdraft Protection Transfers
As an alternative to courtesy pay, you can designate another Pacific Service CU account to be used in the event of an overdraft. If your checking account is overdrawn, we will automatically transfer funds from an established savings, money market, Visa or other checking account overdraft source. There is no fee for this service.


You can rely on multiple forms of overdraft protection. First, setup your overdraft protection transfer account. In the event that funds are unavailable in your overdraft protection account, we can still offer courtesy pay protection.


3. Resolution
If you do overdraw your account, it’s important to deposit or transfer money into the account as soon as possible to cover the overdraft amount, plus any fees associated with the overdraft. A quick deposit or transfer can help you avoid additional overdrafts and fees.


Read more in our Frequently Asked Questions (FAQs) or for help determining which services best suit you, call a member service representative at (888) 858-6878.


You may also be interested in:

What is Courtesy Pay?

4 Steps to Living Debt Free

Credit or Debit?

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