Fee Schedule

As of November 9, 2018

MISCELLANEOUS FEES AND CHARGES

 

Member Account Miscellaneous Fees

Share Account Early Closure: $20.00 if closed within 30 days of account opening

SmartCheck Early Closure: $25.00 if closed within 90 days of account opening

Holiday Club Early Withdrawal or Closure: $25.00 for withdrawals or closure prior to November 1st

Money Market Excessive Transfer Fee - $5.00 for each transfer after 6 per month

Verification of Account or Loan: $1.00

Statement Hold: $1.00 per month

NSF (Non-Sufficient Funds Fee)- Checks or ACH: $25.00

Overdraft Transfer Protection : $7.00 per item

Check Orders and Counter-Temporary Checks: Check orders vary depending on style and Counter-Temporary Checks-

$1.50 per sheet (4 Checks)

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

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

 

College Accounts Miscellaneous Fees

Early Closure College SmartCheck: $25.00 if closed within 90 days of account opening

NSF (Non-Sufficient Funds Fee)- Checks or ACH: $25.00

Deposited Return Item Fee: $10.00

CollegeClub Early Withdrawal: $15.00 for withdrawals, other than account closure

CollegeClub Early Closure: $25.00 if closed anytime other than maturity dates of January 1st and August 1st each year

 

Access Cards and Services

ATM (Automated Teller Machine) Cards - Up to 2 free with initial order- Replacements $7.00 each

VISA Check Cards: Up to 2 free cards per account; $3.00 per card thereafter; $10.00 replacement fee

VISA Check Cards:  College SmartCheck: 1st card free; $3.00 thereafter; discounted replacement fee

CommTEL & CommuNETe Access (telephone and online banking services including mobile banking): Free

 

Wire Transfer

Incoming Wire Transfer Fee: Free

Outgoing Domestic Wire Transfer : $25.00

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

WT Reprocessing (Amendment): $30.00 per item

Wire Tracer : $40.00 per item

 

Business Account Miscellaneous Fees

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

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

Non-Sufficient Funds for Checks or ACH : $50.00 per item

Business Check Orders and Counter-Temporary Checks: Check orders vary depending on style and Counter-Temporary

Checks: $5.00 per sheet (4 checks)

Business Statement Hold: $10.00 per statement

Business Verification of Account or Loan: $5.00

 

Business Access Cards and Services

ATM (Automated Teller Machine) Cards (SOLE PROPRIETORSHIP ONLY): Up to 2 free with initial order - Replacements

$7.00 each

Business VISA Check Card (SOLE PROPRIETORSHIP ONLY): $10.00 per card after: first (2) two (BASIC); first (3) three (ADVANTAGE); first (5) five (PRIME)

CommTEL & CommuNETe Access (telephone and online banking services): Free

 

Business Member Wire Transfer

Incoming Wire Transfers: Free

Outgoing Domestic Wire Transfers: $50.00

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

Business WT Reprocessing (Amendment): $30.00

Wire Tracers : $40.00

 

Negotiable Instruments

Money Orders: $1.00 per item

Cashier's Check: $5.00 per check

Traveler's Checks: 1.00% of face value

 

General Miscellaneous Fees

Deposited Return Items: $15.00

ACH Reprocessing Request: $15.00 per item

Dormant Account Fee: $10.00 per month after 18 months; $50.00 per month after 60 months; $100.00 per month after

96 months

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

Cashier's Check Stop Payment: $20.00 per item

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

Account Inquiry Fee: $1.00 (per inquiry)

Statement Copy: $5.00 per statement period

Account Reconciliation/Research : $25.00 per hour

Notary Services- Members: Free

Notary Services (Non-Member): $15.00 for 1st 2 signatures ; $10.00 per signature thereafter

Levy or Garnishment Processing Fee : $25.00 per account

 

Various Discounts Available

Based on specific account types: Various discounts on fees may apply

 

COMMON FEATURES

 

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