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Mar 11

2014

Checking3-14_Shannon

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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, visit us here or 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

2014

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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
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

2013

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?

Oct 2

2013

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

 

We understand that mistakes happen, that’s why we offer courtesy pay protection. The fee for this service is $25 per transaction. We don’t think, however, that you should pay $25 for your morning cup of coffee in the event that you accidentally overdraw your account. As a non-profit financial institution, we want to offer you the most convenient, least expensive option to manage your money. That’s why we’ve adjusted the fee to allow our members a complimentary $5 overdraw amount.

 

That means, if you overdraw your account for an amount of $5 or less, we will cover that amount and won’t charge you a fee. We think that is part of the credit union difference and we hope you agree.

 

Read more about courtesy pay in our Frequently Asked Questions (FAQs) or call a member service representative at (888) 858-6878.

 

by Jenna, Vice President, Operations

Sep 12

2013

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Great news! We’ve enhanced our checking accounts by adding courtesy pay protection for your ATM and debit card transactions. Add this new protection to your checking account today with two simple clicks. Or, keep reading for more information.

 

Currently, your Pacific Service CU checking account offers peace of mind by protecting you from accidental overdrafts for checks, electronic payments and bill pay transactions. Our new debit card courtesy pay protection will help you avoid the embarrassment and hassle of a declined transaction for your ATM and debit card.

 

In the event that there’s not enough money in your account to cover a transaction, we will pay the transaction for a nominal fee. If your account is $5 or less overdrawn, the service is free. If your account is $5.01 or more overdrawn, a $25 fee will apply.

 

You must opt-in to receive the additional convenience of ATM and debit card courtesy pay. Sign up today. You’re only two clicks away.

 

Read more about our Courtesy Pay program in our Frequently Asked Questions (FAQs) or call a member service representative at (888) 858-6878.

 

We hope you enjoy the enhancement of ATM and debit card courtesy pay.

 

by Jenna, Vice President, Operations

 
   
 
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