P & S Federal Credit Union

Headquarters: Salt Lake City, Utah
Charter: Credit Union
Assets: $24.9M
Fed district: San Francisco

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
P & S Federal Credit Union: No fee
P & S Federal Credit Union: No fee
U.S. median: no median
NSF / Returned Item
P & S Federal Credit Union: $25
P & S Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
P & S Federal Credit Union: $0.75
P & S Federal Credit Union: $0.75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Utah: Banks and credit unions headquartered in Utah that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from P & S Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service ChargeNo charge
per month
Low Balance ChargeNo charge
Early Account Closure$15
per item
Early Account Closure$15
per item
Dormant Account$10
Not compared: Quarterly charge, not monthly
per quarter
Research Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$3
per month

Overdraft & NSF

ACH Payment (NSF)$25
per item
Check Payment (NSF)$25
per item
Check Returned (NSF)$25
per item
Negative Overdraft LOC TransferNo charge

ATM & Card

ATM Withdrawal$0.75
per item
Replacement CardNo charge

Wire Transfers

Outgoing Wire Transfer$25
per item
Incoming Wire TransferNo charge
International Wire Transfer$50
per item

Check Services

Cashier's Check (First)No charge
Cashier’s Check (First)No charge
Cashier's Check (Second +)$3
per item
Cashier’s Check (Second +)$3
per item
Money Order$1.50
per item
ACH Stop Payment$15
per item
Check Series Stop Payment$25
per item
Check Stop Payment$15
per item
Check Cashing$5
Processed Check CopyNo charge

Digital & Electronic

ACH Origination$1
per item
ACH Returned (NSF)$25
per item
Online Bill PaymentNo charge

Cash & Deposit

Deposit Item Returned$25
per item

Account Services

Direct DepositNo charge
Notary ServiceNo charge
Garnishment$30
per item
Deposit VerificationNo charge

Other Fees

Account Statement Copy$5
per item
Fax ServiceNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	No charge	per month	None
Low Balance Charge	No charge	Not stated	None
Early Account Closure	$15	per item	None
Early Account Closure	$15	per item	None
Dormant Account	$10Not compared: Quarterly charge, not monthly	per quarter	None
Research Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$3	per month	None
Overdraft & NSF
ACH Payment (NSF)	$25	per item	None
Check Payment (NSF)	$25	per item	None
Check Returned (NSF)	$25	per item	None
Negative Overdraft LOC Transfer	No charge	Not stated	None
ATM & Card
ATM Withdrawal	$0.75	per item	None
Replacement Card	No charge	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$25	per item	None
Incoming Wire Transfer	No charge	Not stated	None
International Wire Transfer	$50	per item	None
Check Services
Cashier's Check (First)	No charge	Not stated	None
Cashier’s Check (First)	No charge	Not stated	None
Cashier's Check (Second +)	$3	per item	None
Cashier’s Check (Second +)	$3	per item	None
Money Order	$1.50	per item	None
ACH Stop Payment	$15	per item	None
Check Series Stop Payment	$25	per item	None
Check Stop Payment	$15	per item	None
Check Cashing	$5	Not stated	None
Processed Check Copy	No charge	Not stated	None
Digital & Electronic
ACH Origination	$1	per item	None
ACH Returned (NSF)	$25	per item	None
Online Bill Payment	No charge	Not stated	None
Cash & Deposit
Deposit Item Returned	$25	per item	None
Account Services
Direct Deposit	No charge	Not stated	None
Notary Service	No charge	Not stated	None
Garnishment	$30	per item	None
Deposit Verification	No charge	Not stated	None
Other Fees
Account Statement Copy	$5	per item	None
Fax Service	No charge	Not stated	None

Correct a fee source

Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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