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COVID-19 Updates - Important information regarding branch & service availability, remote banking options, resources for financial hardship, and more: Click Here

UMassFive has been approved to be a lender of the SBA's Payroll Protection Program (PPP) as a part of the recently passed 2020 CARES Act, and will be eligible to process PPP loans through the SBA's loan delivery system as soon as this system is made available to us. Please email our Commercial Services Division for additional information.

Checking Accounts

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Checking How It Should Be—Free


No matter which checking account you choose, rest assured that convenience and security come standard.

Enjoy the security and service of EMV Chip enabled Visa® Debit Cards, with zero monthly maintenance fees. 

Even better—we understand that changing financial institutions can be a daunting process, so we've simplified transferring your existing Direct Deposit or Payroll Deductions to your UMassFive Checking Account. All you have to do is Click, Switch, and Go.

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Co-op Advantage Checking Account

It’s our best checking account, but what exactly is the Co-op Advantage? It means that you're getting our best interest rate and up to $10 in ATM fee refunds each month. Plus, with Buzz Points activated, you’ll earn cash rebates for purchases you already make using your debit card. Best of all, the Co-op Advantage is always free.

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Basic Checking Account

Getting down to basics, with no frills and no interest, this is the Checking Account for you.

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UMass has been the best credit union/bank I have been a part of...Co-op Points is my absolute favorite and I don’t know any other bank that offers this service. The Co-op Points have saved me hundreds of dollars, when times were tough and overdraft fees were coming. I am very thankful to be a part of UMassFive!

-Kristen T.