When it comes to checking, you can have it all—and more.
Like more cash back on all purchases, more security features at your fingertips, our enhanced rewards rate when you qualify each month, and no minimum balance.
How to earn our enhanced rewards rate:
- Perform 12 Debit Card transactions
- 1 Direct Deposit or ACH Auto Debit
- Receive statements electronically with eStatements
Worried about not meeting the requirements?
It’s no big deal. Any month that you don’t qualify, all that will happen is your account will earn our basic dividend rate, ATM fees will not be refunded, and you can try again next month.
We’ll even send you an email every month so you can keep track of how you’re doing.
Co-op Advantage Features
Your account features more than just our attention grabbing purple debit card.
Earn our Rewards dividend rate
For each month that you qualify, you will receive our most competitive checking rate on top of receiving uChoose Rewards. Visit here for current rates. For each month you do not qualify, you will still earn dividends.
Enhanced security controls
Turn your debit card on and off, track and set spending limits, create a travel plan and more within the My Cards tab in Online Banking, and Cards in Mobile Banking.
Nationwide ATM Fee Refunds
Qualifying* accounts can receive up to $10 in ATM Fees refunded per month, no matter where you use the ATM. Make withdrawals with the peace of mind you will get the money back. Of course, UMassFive ATMs are always free, as well as any ATM participating in the MoneyPass network.
Debit Card Round Up Feature
Boost your savings by signing up for our Round Up feature. Automatically transfer the change from a purchase on your debit card to go to your savings account. For example, a $19.76 purchase would trigger a $0.24 transfer to your savings. Ask us how!
Mobile Wallet Compatibility
Easily add and organize the cards in your mobile wallet, as well as within your favorite apps, making your UMassFive debit card just a touch away as your preferred payment method online, or in store.
Earn Cash Back with uChoose Rewards!
Enroll in uChoose rewards** so you can start earning points on every card transaction—you'll earn 0.5 points on every $1 spent that you can redeem for cash back!
- To access uChoose by logging into Online Banking, click My Cards, then click Rewards.
- To access uChoose through Mobile Banking, tap Cards, then tap Rewards.
Plus, make splitting the bill easier with Zelle®
Download our Mobile App today on your smart phone to have easy access to account information, and to use Zelle®—a fast, safe and easy way to send and receive money with friends, family, and other people you trust. You don’t have to hand a waitress 4 cards, just send someone cash. Available right within our Mobile App, there’s no need to download a separate app.
Sign up for a Co-op Checking Account
* Qualifying accounts with be refunded up to $10 each calendar month for any ATM fees imposed. Please see (front of panel) for monthly qualifications. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
**uChoose Rewards points accumulate automatically for all card purchases once debit card is enrolled in program. Points post at the start of each month, and can be redeemed for rewards at any time via Online or Mobile Banking. Balance transfers and cash advances not eligible for points accumulation. See uChoose terms & conditions for additional information.