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.

Consumer Service Prices

(View here for Business Service Prices)

Type of Service		Price Amount
Services marked with a star may be waived with Co-op Points
	Abandoned Property Processing	$35.00
	Cashier’s Check Payable to Third Party	$5.00
	Check Copy	$5.00
	Coin Machine (at Hadley/Northampton King St./Springfield Branches)	Free
	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	$5.00/month #
	Insufficient Funds	$32.00 §
	Levy Compliance	$30.00
	Loan Payment by Online Portal	Free
	Loan Payment by Phone	$10.00/use
	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 §
	Paper Statement	$3.00/month ^
	Premium Overdraft	$32.00 §
	Replacement Card – Standard 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 Check	$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	$25.00
	Wire Transfer – Outgoing International involving only U.S. Dollars	$45.00

§ The categories of transactions for which an overdraft, insufficient funds, or Premium Overdraft charge 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 consumer checking accounts not enrolled in eStatements for members aged 18-65.

Digital Banking Service Prices

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Service Prices Effective October 28, 2025