Fees

This Fee Schedule for all accounts sets forth conditions, fees, and charges applicable to your accounts at Pacific Service CU.

Shared Branching Fee Schedule

Checking Account Fees
Relationship Checking $10 per month if direct deposit is not maintained OR $25,000 average monthly aggregate deposit and loan balance is not maintained
Plu$ Checking $10 per month if average monthly balance falls below $7,500
Nonsufficient funds fee (NSF) $25 per item
Courtesy pay fee $25 per item; if the balance is negative $5.01 or more
Check copies 2 free per month, then $2 per copy
Check copies - rush order 2 free per month + FedEx costs, then $2 per copy + FedEx costs
Faxed copy of check 2 free per month, then $2 per copy
Temporary checks Initial opening checks free, then $5 after
Check orders Varies depending on style
Fees Applicable to All Accounts
ACH - electronic payment by phone - incoming or outgoing $15 per item for initial set-up and change requests
ATM / Mobile deposit - invalid deposit $25 each
ATM / Mobile deposit - adjustment Up to $10 each
Returned deposit $25 per item; $5 per third party item
 Duplicate mobile deposit $10 per item 
Returned payment $25 per item
Foreign check deposit $1 to $25 per item
Stop payments $20 per stop
Notary - member with non-PSCU document $10 per signature
Signature guarantee $10 each
Early closure fee - checking or IRA $20 within 60 days of opening
Third-party cashier's checks 1 free per month, then $5 per check
Check cashing - for members without a PSCU checking account $10 per check
Bad address (returned mail) $5 per occurrence
Verification of deposit $10 each
Call center account inquiry 2 free per month, then $1 per call
Printed account history or balance $2 per page
Account research or check reconciliation $20 per hour, 1 hour minimum
Express mail/rush/overnight request $15 each or actual costs, if higher (e.g. Saturday delivery)
Copy of statements $2 per page
Copy of third-party cashier's checks $2 per copy
Copy of credit / debit card receipt $10 each
 Picture cards $7.95 per card. First picture card provided at no cost. Member-initiated card reissues before the regular renewal cycle or changes to the image are $7.95 per card. 
Low balance fee $5 per month on single service savings accounts of less than $100; fee may be waived if you have another account in good standing
Outgoing wire fee $20 per wire
 Incoming wire fee  $10 per wire; fee waived with Relationship Checking account
IRA transferred to another institution $25 per transfer
Levies, IRS levies, withholding, judgment or legal order $20 per order or as permitted by law
Subpoenas $20 per order or as permitted by law
Escheatment notification  $2 per notice 
Consumer Lending Fees
Refinance to reduce loan rate $200 each refinance
Auto equity document preparation $200 each
Consumer loan late charge 5% of the monthly loan payment amount
Visa late charge Up to $10 each
Skip-a-Loan payment $25 per request
Real Estate Fees
First mortgage processing $300 each
First mortgage underwriting $495 each
Deed of reconveyance/recording $45 each + $10 recording fee
Subordination $125 per loan
Verification of mortgage $10 each
Demand for payoff $30 per demand
Redraw document fee $50 each
Real estate additional fax $10 each
Refinance to reduce home equity loan rate $300 for loans up to $250,000; $500 for loans over $250,000
Refinance fee for home equity loan/line under $25,000 add-on or within two years of opening $200 + actual third party costs
Early closure fee for home equity loan/line within two years of opening $100 + actual third party costs

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