Fees

Many of these fees are avoidable or can be reduced by using alternative services. Co-op Points can be waived for fees listed with a . Member must have points available in the current monthly statement cycle in order to waive a fee or affect a rate change.

Fee/Point Redemption Values

Redeeming your Co-op Points is simple. Reach out to our Contact Center locally at 413.256.5500 or toll-free at 800.852.5886 or speak with any UMassFive staff member and they'll be glad to apply your Co-op Points to any qualified product or service.

Regular Fees

      Abandoned Property Processing – $35.00
Cashier’s Check Payable to Third Party – $5.00
 Check Copy – $5.00     
      Coin Machine (at Hadley/Northampton King St. Branches) - Free
 Courtesy Pay – $32.00 § 
 Foreign Item – $15.00
      Foreign Transaction (credit/debit cards)– 1% of each transaction conducted in a foreign currency
      Foreign Transaction (credit/debit cards)- 0.8% of each transaction conducted in U.S. dollars
      Inactivity Fee – $5.00/month #
 Insufficient Funds – $32.00 §
      Levy – $30.00
Money Manager Below Minimum Balance – $10.00/month
 Money Manager Plus Below Minimum Balance – $25.00/month
 Money Order – $3.00
 One-time ACH – $10.00
     On-us Check Cashing (for non-members) – $5.00/check 
 Overdraft Protection – Share Transfer – $5.00 §
      Paper Statement Fee - $3.00/month ^
      Pay-by-Phone Service – $10.00/use
      Pay-by-Phone Returned ACH Deposit – $32.00
 Replacement Card – Standard Debit or Credit – $10.00/card
      Research Fee – $25.00/hour
      Returned ACH Deposit – $10.00
      Returned Check Deposit – $10.00
 Returned Mail Fee – $3.00
Rush Card - Debit or Credit – Post Office -  $35.00
      Rush Card - Debit or Credit - Fedex - $50.00
      Safe Deposit Box – Drilling and Re-Key – $450
      Safe Deposit Box - Annual Fees:
           - 3x5 Box - $45.00/year
           - 5x5 Box - $55.00/year
           - 3x10 Box - $70.00/year
           - 5x10 Box - $90.00/year
           - 10x10 Box - $150.00/year
      Safe Deposit Box – Late Payment – $25.00
      Shared Branching Returned Check Deposit – $20.00 
 Statement/Transaction Activity Copy – $2.00/page (up to 35 pages) 
      Statement Reconciliation – $25.00/hour
 Stop Payment – ACH Debit – $32.00
 Stop Payment – Cashier’s Check – $32.00
 Stop Payment – Money Order – $32.00
 Stop Payment – Personal Check – $32.00 
     Stop Payment – Bill Pay Check – $42.00 
 Uncollected Funds – Check – $32.00
      Wire Transfer - Incoming Domestic - $10.00
      Wire Transfer - Incoming International - $15.00
      Wire Transfer – Outgoing Domestic: $20.00 
      Wire Transfer – Outgoing International involving only U.S. Dollars: $40.00 

§ The categories of transactions for which an overdraft, insufficient funds, or courtesy pay fee may be imposed are those by any of the following means: checking account, in-person withdrawal, ATM withdrawal, or other electronic means.

# After 1 year if over age 18 and the balance <$500

^ Applied to all checking accounts not enrolled in eStatements by February 28, 2023, for members aged 18-65.

Online Banking Fees

         Bill Pay Overnight Check – $14.95
         Bill Pay Same Day Payment – $9.95
         Bill Pay Laser Draft NSF – $32.00
         Bill Pay ACH NSF – $32.00
         A2A Inbound Transfer – $1.00 (First 5 free per month)
         A2A Inbound Transfer Next Day (Loans Only) – $2.95
         A2A Outbound Transfer – $1.00
         Zelle® Instant Payment User Fee – Free
         Zelle® Request Money User Fee – Free
         Zelle® Standard Service User Fee – Free   
         Zelle® Stop Pay – $32.00

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Fees Effective January 03, 2023