Fee Schedule

As of August 1, 2012



Member Account Miscellaneous Fees

Verification of Account or Loan: $1.00

Statement Hold: $1.00 per month

Counter/Temporary Checks: $1.50 per sheet (4 checks)

Check Order: Varies depending on selection

Non-Sufficient Funds: $25.00

Overdraft Transfer Protection : $7.00 per item

SmartCheck Classic Monthly Maintenance (No longer offered): $1.25 (applies to existing accounts only)

Check Writing Fee: $0.50 per check after 5 (Smartcheck Basic Only)


Business Account Miscellaneous Fees

Business Verification of Account or Loan: $5.00

Business Statement Hold: $10.00 per statement

Business Account Early Closure: $50.00 if closed within 90 days of opening

Business Personalized Counter Checks Business Accounts: $5.00 (per sheet of 3)

Check Orders: Varies depending on selection

Non-Sufficient Funds : $50.00 per item

Overdraft Transfer : $10.00 per item for Business BASIC (Free for ADVANTAGE & PRIME accounts)


Access Cards and Services

ATM (Automated Teller Machine) Card - Initial Order: Free

ATM (Automated Teller Machine) Card Replacement: $7.00 per card

VISA Check Card (Initial Cards): Up to 2 free cards per account; $3.00 per card thereafter

VISA Check Card Replacement : $10.00 per card

CommTEL: Free

CommuNETe Access (Personal Online Banking including Bill Pay Service): Free


Business Access Cards and Services

ATM (Automated Teller Machine) Initial Cards (SOLE PROPRIETORSHIP ONLY): Free

ATM (Automated Teller Machine) Replacement Cards (SOLE PROPRIETORSHIP ONLY): $7.00 per card

Business VISA Check Card Initial Order (SOLE PROPRIETORSHIP ONLY): $10.00 per card after: first (2) two (BASIC); first

(3) three (ADVANTAGE); first (5) five (PRIME)

BUSINESS VISA Check Card Replacement (SOLE PROPRIETORSHIP ONLY): $10.00 per card

CommTEL (Telephone Banking Service): Free

CommuNETe Access (Online Banking): Free


Wire Transfer

Incoming Wire Transfer Fee: Free

Outgoing Foreign Wire Transfer (U.S. Currency): $45.00

Outgoing Domestic Wire Transfer : $25.00

Wire Tracer : $40.00 per item

WT Reprocessing (Amendment): $30.00 per item


Business Member Wire Transfer

Incoming Wire Transfers: Free

Outgoing Foreign Wire Transfers (U.S. Currency): $75.00

Outgoing Domestic Wire Transfers: $50.00

Wire Tracers : $40.00

Business WT Reprocessing (Amendment): $30.00


General Miscellaneous Fees

Notary Services for 1st 2 signatures (Non-Member): $15.00

Notary Services after 2nd signature (Non-Member): $10.00 per signature

Cashier's Check Stop Payment: $20.00 per item

Account Reconciliation/Research : $25.00 per hour

Statement Copy: $5.00 per statement period

ACH Reprocessing Request: $15.00 per item

Draft (Check) Copy Fee: $1.50 (if after six months of issuance)

Account Inquiry Fee: $1.00 (per inquiry)

Stop Payment : $7.00 for a Single Item (or Sequential range of items under a single request)

Returned Item Fee: $15.00


Negotiable Instruments

Money Orders: $1.00 per item

Cashier's Check: $5.00 per check

Traveler's Checks: 1.00% of face value


Legal Processing Fees

Levy or Garnishment : $25.00 per account




Bylaw Requirements. You must complete payment of one share in a Savings (Share) account as a condition of admission to membership.


Par Value of Shares. The par value of a share in the credit union is $20.00.


Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Not applicable to term share or share certificate accounts.


National Credit Union Share Insurance Fund. Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.



238 Archbishop Flores Street, Suite 102, Hagåtña, Guam 96910

Telephone: (671) 472-8210 | Fax: (671) 472-5522

CommTEL Telephone Banking: (671) 472-5783 or 1(877) 472-5783 (From U.S. Mainland or Hawaii)


To report a lost or stolen card, please call the following numbers:

ATM Card:  1-800-523-4175, Credit Card: 1-800-991-4961, VISA® ATM/ Debit Card: 1-800-472-3272


To initiate a VISA® ATM/ Debit Card dispute for errors, unauthorized use, or fraud:1-844-771-9303


To report email abuse, malicious activity, or network issues please contact: postmaster@cfirstguam.com

Copyright © 2018 Community First Guam Federal Credit Union. All rights reserved.

Federally insured by NCUA. Equal Housing Lender. NMLS ID#634505