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Fees

Many of these fees are avoidable or can be reduced by using alternative services. Fees listed with a Star 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‡
< = $5 100 pts
> $5 and < = $10 250 pts
> $10 and < = $20 750 pts
> $20 and < = $30 1,000 pts
> $30 1,250 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.

Regular Fees

      Abandoned Property Processing – $25.00
      ATM Transaction – $1.25 *
Star Cashier’s Check Payable to Third Party – $3.00
Star Check Copy – $5.00     
Star Courtesy Pay – $32.00 § 
Star Foreign Item – $15.00
      Foreign Transaction (credit/debit cards)– 1% of each transaction conducted in a foreign currency
      Foreign Transaction (credit/debit cards)- 0.8% of each transaction conducted in U.S. dollars
      Inactivity Fee – $5.00/month
Star Insufficient Funds – $32.00 §
Star Interest Share Draft Below Minimum Balance – $10.00/month
      Legal Attachment – $20.00
Star Money Market Below Minimum Balance – $10.00/month
Star Money Market Plus Below Minimum Balance – $25.00/month
Star Money Order – $2.00 
      Mortgage Discharge – Actual cost
Star Overdraft Protection – Share Transfer – $3.00 §†
      Pay-by-Phone Service – $10.00/use
      Pay-by-Phone Returned ACH Deposit – $25.00
Star Replacement Card – Standard Debit – $10.00/card
      Research Fee – $25.00/hour
      Returned ACH Deposit or Check Deposit item – $10.00
      Returned Mail Fee – $3.00
      Rush Debit Card – $30.00
Star Secondary Share Below Minimum Balance – $2.00/month
      Safe Deposit Box – Drilling – $325.00 + lock replacement
      Safe Deposit Box – Starting at $35/year 
      Safe Deposit Box – Re-Key - $170.00
      Shared Branching Returned Check Deposit – $20.00 
Star Statement/Transaction Activity Copy – $1.00/page (up to 35 pages) 
      Statement Reconciliation – $25.00/hour
Star Stop Payment – ACH Debit – $32.00
Star Stop Payment – Cashier’s Check – $32.00
Star Stop Payment – Personal Check – $32.00 
      Stop Payment – Bill Pay Check – $42.00 
      Subordination – $75.00
      Tax Levy – $30.00
      Wire Transfer - Incoming Domestic - $10.00
      Wire Transfer - Incoming International - $10.00
      Wire Transfer – Outgoing Domestic: $20.00 
      Wire Transfer – Outgoing International involving only U.S. Dollars: $40.00 

 

 

EZbank Online Banking Fees

         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
   Star  A2A Inbound Transfer – $1.00 (First 5 free per month)
         A2A Inbound Transfer Next Day (Loans Only) – $2.95
   Star  A2A Outbound Transfer – $1.00
         Popmoney Send <$250 3-Day – $0.75
         Popmoney Send <$250 Next Day – $0.95
         Popmoney Send $250-$999 3-Day – $0.95
         Popmoney Send $250-$999 Next Day – $1.25
         Popmoney Send $1k+ 3-Day – $1.75
         Popmoney Send $1k+ Next Day – $2.00
         Popmoney Request <$250 3-day – $0.75
         Popmoney Request $250-$999 Next Day – $1.00
         Popmoney Request $1k+ – $1.75
         Popmoney eGreeting – $0.25
         Popmoney Stop Pay – $32.00

* Fee waived for members with a Share Draft Checking Account

§ The categories of transactions for which an overdraft, insufficient funds, or courtesy pay fee may be imposed are those by any of the following means: Share Draft, in-person withdrawal, ATM withdrawal, or other electronic means.

† Checks only. Opt-in required for Debit Card/Point of Sale.

Fees Effective January 24, 2019