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How much do universal service representative jobs pay per hour?

As of May 29, 2026, the average hourly pay for universal service representative in the United States is $23.03, according to ZipRecruiter salary data. Most workers in this role earn between $17.31 and $27.40 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Universal Service Representative, and why are they important?

To thrive as a Universal Service Representative, you need strong customer service skills, attention to detail, and a high school diploma or equivalent. Familiarity with banking software, cash handling systems, and sometimes notary or teller certifications are typically required. Excellent communication, problem-solving abilities, and a positive attitude make individuals stand out in this role. These skills ensure efficient transaction processing, customer satisfaction, and the ability to handle a variety of banking needs in a professional environment.

What are some common challenges faced by Universal Service Representatives in balancing customer service with administrative duties?

Universal Service Representatives often juggle multiple responsibilities, such as assisting customers, processing transactions, and handling administrative tasks like account management and documentation. One common challenge is efficiently prioritizing duties during peak hours while maintaining accuracy and a high standard of customer service. Team collaboration and effective communication with supervisors and colleagues can help manage workloads and ensure all tasks are completed on time. Proactive organization and adaptability are key to thriving in this multifaceted role.

What is a Universal Service Representative?

A Universal Service Representative (USR) is a customer service professional typically found in banks, credit unions, and other financial institutions. Their primary role is to assist customers with a wide range of services, such as opening accounts, processing transactions, answering questions, and resolving issues. USRs are trained to handle various tasks, making them versatile team members who can provide both teller and personal banking support. This flexibility allows institutions to offer efficient and seamless service to their clients. Universal Service Representatives play a key role in ensuring customer satisfaction and maintaining smooth daily operations.
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Universal Service Representative jobs near you
Infographic showing various Universal Service Representative job openings in the United States as of May 2026, with employment types broken down into 92% Full Time, 4% Part Time, 1% Temporary, and 3% Contract. Highlights an 92% Physical, and 8% Remote job distribution, with an average salary of $47,911 per year, or $23 per hour.
Personal Banker (Universal Service Representative): Escondido

Personal Banker (Universal Service Representative): Escondido

Frontwave Credit Union

Escondido, CA

$21.94 - $32.91/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted yesterday

Job description

As a Universal Service Representative you are responsible for performing a wide variety of responsibilities related to all teller and USR I functions, including processing deposits, withdrawals, loan payments, new accounts and loans.  Balances daily transactions and verifies cash totals. If you enjoy helping people and have experience working in a financial institution, this job is for you!

About Frontwave Credit Union

Frontwave Credit Union is a member-owned not-for-profit financial institution serving San Diego, Riverside, San Bernardino and Imperial counties. Founded in 1952, we have grown to 18 branches with 125,000 members and manage over 1.8 billion in assets. At Frontwave Credit Union, we are focused on creating consumer solutions to provide our members and the communities we serve with products and services that enhance the quality of life for our members through exceptional service and the progressive application of technology.

 
What’s In It For You:
Competitive pay, 401k matching, mortgage and auto discounts.
9-27 days of PTO per year (based on tenure), VTO and 10 paid holidays.
Affordable medical, dental, vision health plans, and Flexible Spending Account.
Employee Assistance Program with a variety of services.
Career development, training, and coaching, mentoring; tuition reimbursement up to $4,000/year.
Culture of excellence and continuous improvement.
We strive to be the best place you’ve ever worked!


Essential Duties and Responsibilities:

Includes the following non-inclusive list. Other duties may be assigned.  All duties are to be performed in compliance with applicable laws, regulations, and Credit Union policies and procedures.

  • Processes routine transactions such as deposits, withdrawals, transfers, issuing cashier’s checks, etc.
  • Opens new memberships, all ownerships.Adds/removes joint owners on existing memberships.
  • Interviews potential and existing members to determine appropriate products and services to meet their financial needs.
  • Actively cross-sells additional products and services to meet member needs.
  • Originates and funds unsecured loans (credit card and personal loans/lines). Communicates loan decisions.
  • Performs follow-up calls to new and existing members to ensure member satisfaction, answer any questions.
  • Answers IRA questions and performs IRA contributions and distributions.
  • Demonstrates knowledgeable in providing information and demonstrating alternate delivery channels for member usage including by not limited to: frontwavecu.com, Online banking, EStatements, Mobile Deposits, Bill Pay,
  • P2P, Remote Transfers, Express Line, etc.
  • Serves as a support to new Universal Service Representatives.
  • Participates in end-of-day branch balancing process.
  • Demonstrates the ability to be flexible and prioritize workflow.
  • Balances, fills, audits ATM/CDM/Recycler as needed
  • Maintains cash vault
  • Instant issues debit cards

Education and/or Experience:  

High School Diploma or general education degree (GED). 

One year financial institution experience in a Teller or similar role with an emphasis on accurate cash handling.

Physical Demands:

Member facing positions at our all branches may require standing.  An adequate number of suitable seats shall be placed in reasonable proximity to the work area and employees shall be permitted to use such seats when it does not interfere with the performance of their duties.

Salary Range: $21.94/hr - $32.91/hr


When joining Frontwave Credit Union, you can expect to be a part of a workforce committed to the following Service Excellence standards:
We see it. We own it. We get it done.
We ignite positive experiences.
We do things right every time.
We are collaborators - united, cohesive and engaged
We innovate and evolve.
We create memorable experiences for life.
We starts with me.

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