Our Hadley Branch will remain closed through the week of October 19, due to ongoing water and plumbing issues. The drive-up Smart ATM remains open for your convenience, and includes the ability to deposit funds and make loan payments. All other branches remain open as usual during normal business hours. Access your accounts anytime through online and mobile banking.
Business Fees
Many of these fees are avoidable or can be reduced by using alternative services. Fees listed with a 
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
| Type of Fee | Fee Amount | |
|---|---|---|
| Fees marked with a star may be waived with Co-op Points | ||
|
Abandoned Property Processing |
$35.00 | |
|
Business Checking Below Minimum Balance |
$10.00/month | |
|
Cashier’s Check Payable to Third Party |
$5.00 |
|
Check Copy |
$5.00 |
|
Foreign Deposited Item |
$15.00 |
|
Inactivity Fee |
$5.00/month | |
|
Insufficient Funds |
$32.00 |
|
Levy Compliance |
$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 |
|
Replacement Debit Card |
$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 |
$450.00 | |
|
Safe Deposit Box - Annual Fees: |
||
|
$45.00/year | |
|
$55.00/year | |
|
$70.00/year | |
|
$90.00/year | |
|
$150.00/year | |
|
Safe Deposit Box – Late Payment |
$25.00 | |
|
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 – 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 | |
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 |
| Bill Pay Corporate Check NSF | $32.00 |
| Online Wire Transfer – Outgoing Domestic | $20.00 |
| Online ACH – Initiated | $1.00 |
Fees Effective September 1, 2023