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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

Checkbook reconciliation

$20 per hour, 1 hour minimum

Check orders

Varies depending on style


Fees Applicable to All Accounts


ACH - electronic payment by phone - incoming or outgoing

(no fee for Visa payments)

$15 per item for initial set-up and change requests

ATM - invalid deposit

$25 each

ATM - deposit adjustment (miskeyed)

Up to $10 each

Returned deposit

$25 per item; $5 per third party item

Returned payment

$25 per item

Foreign check deposit

$1 to $25 per item

Stop payment

$15 per item

Stop payment - cashier's check

$15 per item

Notary - member with non-PSCU document

$10 per signature

Signature guarantee

$10 each

Early closure fee - checking

$20 within 60 days of opening

Early closure fee - IRAs

$20 within 60 days of opening

Third-party teller 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

$2 per page

Printed balance inquiry

$2 per inquiry

Account research

$20 per hour, 1 hour minimum

Express mail/rush/overnight

$15 each or actual costs, if higher (e.g. Saturday delivery)

Mailed receipts

$2 each

Copy of statements

$2 per page

Copy of teller check

$2 per copy

Copy of credit or debit card receipt

$10 each

Low balance fee

$5 per month on single service savings accounts of less than $100

Outgoing wire fee

$20 per item

IRA transferred to another institution

$25 per transfer

Levies, IRS levies, withholding, judgment or legal order

$20 per order or as permitted by law


$20 per order or as permitted by law



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

Visa returned payment fee

Up to $25 each

Visa Rewards annual fee

$25 - (waived with Relationship Checking)

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


$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

Federally insured by NCUA
Equal Housing Lender
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