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
| Service Price 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 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 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 |
$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 |
|
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 |
$25.00/hour | |
|
Returned ACH Deposit |
$10.00 | |
|
Returned Check Deposit |
$10.00 | |
|
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: |
||
|
$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 |
$5.00/statement |
|
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 | |
# After 1 year if over age 18 and the balance <$500
Online Banking Service Prices
| Type of Service | Price 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 |
Service Prices Effective January 2, 2024