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Fees

Many of these fees are avoidable or can be reduced by using alternative services. Fees listed with a Star may be waived using Co-op Points. 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

Fee Amount Points Needed
< = $5 250 pts
> $5 and < = $10 500 pts
> $10 and < = $20 1,250 pts
> $20 and < = $30 1,500 pts
> $30 1,750 pts

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.

 

Business Fees

 

Regular Fees 

Type of Fee Fee Amount
Fees marked with a star may be waived with Co-op Points
 

Abandoned Property Processing

$35.00
Star

Cashier’s Check Payable to Third Party

$5.00
Star

Check Copy

$5.00
 

Coin Machine (at Hadley/Northampton King St./Springfield Branches)

Free
Star

Courtesy Pay

$32.00 § 
Star

Foreign Item

$15.00
 

Foreign Transaction (Debit Card/Platinum Credit Card)

1% of each transaction conducted in a foreign currency
 

Foreign Transaction (Debit Card/Platinum Credit Card)

0.8% of each transaction conducted in U.S. dollars
 

Inactivity Fee

$5.00/month #
Star

Insufficient Funds

$32.00 §
 

Levy Compliance

$30.00
Star

Money Manager Below Minimum Balance

$10.00/month
Star

Money Manager Plus Below Minimum Balance

$25.00/month
Star

Money Order

$3.00
Star

One-time ACH

$10.00
 

On-us Check Cashing (for non-members)

$5.00/check
Star

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
Star

Replacement Card – Standard Debit Card

$10.00/card
 

Research Fee

$25.00/hour
 

Returned ACH Deposit

$10.00
 

Returned Check Deposit

$10.00
Star

Returned Mail Fee

$3.00
Star

Rush Card - Debit or Credit – Post Office

$35.00
 

Rush Card - Debit or Credit - FedEx

$50.00
 

Safe Deposit Box – Drilling and Re-Key

$450.00
 

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
Star

Statement/Transaction Activity Copy

$2.00/page (up to 35 pages) 
 

Statement Reconciliation

$25.00/hour
Star

Stop Payment – ACH Debit

$32.00
Star

Stop Payment – Cashier’s Check

$32.00
Star

Stop Payment – Money Order

$32.00
Star

Stop Payment – Personal Check

$32.00
 

Stop Payment – Bill Pay Check

$42.00
Star

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 January 31, 2024, for members aged 18-65.

 

Online Banking Fees

Type of Fee Fee Amount
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 September 1, 2023