Online Banking

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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