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 | |
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Cashier’s Check Payable to Third Party |
$5.00 |
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Check Copy |
$5.00 |
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Foreign Deposited Item |
$15.00 |
Inactivity Fee |
$5.00/month | |
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Insufficient Funds |
$32.00 |
Levy Compliance |
$30.00 | |
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Money Manager Below Minimum Balance |
$10.00/month |
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Money Manager Plus Below Minimum Balance |
$25.00/month |
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Money Order |
$3.00 |
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One-time ACH |
$10.00 |
On-us Check Cashing (for non-members) |
$5.00/check | |
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Overdraft Protection – Share Transfer |
$5.00 |
Pay-by-Phone Service |
$10.00/use | |
Pay-by-Phone Returned ACH Deposit |
$32.00 | |
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Replacement Debit Card |
$10.00/card |
Research Fee |
$25.00/hour | |
Returned ACH Deposit |
$10.00 | |
Returned Check Deposit |
$10.00 | |
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Returned Mail Fee |
$3.00 |
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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: |
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$45.00/year | |
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$55.00/year | |
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$70.00/year | |
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$90.00/year | |
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$150.00/year | |
Safe Deposit Box – Late Payment |
$25.00 | |
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Statement/Transaction Activity Copy |
$2.00/page (up to 35 pages) |
Statement Reconciliation |
$25.00/hour | |
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Stop Payment – ACH Debit |
$32.00 |
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Stop Payment – Cashier’s Check |
$32.00 |
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Stop Payment – Money Order |
$32.00 |
Stop Payment – Bill Pay Check | $42.00 | |
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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