Business Service Prices

Here at UMassFive, we believe in keeping the cost of conducting financial services as low as possible, and make every effort to keep our prices to a minimum. Many of these charges are avoidable or can be reduced by using alternative services. Items 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 charge or affect a rate change.

Service Price/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.

Business Service Prices

Type of Service		Price Amount
Fees marked with a star may be waived with Co-op Points
	Abandoned Property Processing	$35.00
	Business Interest Checking Below Minimum Balance	$10.00/month
	Business Co-op Advantage Checking Below Minimum Balance	$25.00/item
	Business Remote (On-Site) Deposit Capture: Per Item Deposit Charge	Based on compensating balance
	Business Remote (On-Site) Deposit Capture: Equipment Rental	$50.00/month
	Cashier’s Check Payable to Third Party	$5.00
	Check Copy	$5.00
	Foreign Deposited Item	$15.00
	Inactivity	$5.00/month #
	Insufficient Funds	$32.00
	Levy Compliance	$30.00
	Loan Payment by Online Portal	Free
	Loan Payment by Phone	$10.00/use
	Loan Payment by Online Portal/Phone: Returned ACH Deposit	$32.00
	Money Manager Below Minimum Balance	$10.00/month
	Money Manager Plus Below Minimum Balance	$25.00/month
	Money Order	$3.00
	On-us Check Cashing (for non-members)	$5.00/check
	Overdraft Protection – Share Transfer	$5.00
	Replacement Debit Card	$10.00/card
	Research	$25.00/hour
	Returned Mail	$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 Price:
	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
	Statement/Transaction Activity Copy	$5.00/statement
	Stop Payment – ACH Debit	$32.00
	Stop Payment – Cashier’s Check	$32.00
	Stop Payment – Money Order	$32.00
	Stop Payment – Personal/Business Check	$32.00
	Stop Payment – Bill Pay Check	$42.00
	Transaction Limit Charge – Business Co-op Advantage Checking	$0.50/item over 1,000 transactions
	Transaction Limit Charge – Business Base Checking	$0.50/item over 500 transactions
	Uncollected Funds – Check	$32.00
	Wire Transfer - Incoming Domestic	$10.00
	Wire Transfer - Incoming International	$15.00
	Wire Transfer – Outgoing Domestic	$25.00
	Wire Transfer - Outgoing International U.S. Dollars	$45.00

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

Digital Banking Service Prices

Service Prices Effective October 28, 2025