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 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.
| Type of Service | Price Amount | |
|---|---|---|
| Fees marked with a star may be waived with Co-op Points | ||
| Abandoned Property Processing | $35.00 | |
| Business Interest Checking Below Minimum Balance | $10.00/month | |
| Business Co-op Advantage Checking Below Minimum Balance | $25.00/item | |
| Business Remote (On-Site) Deposit Capture: Per Item Deposit Charge | Based on compensating balance | |
| Business Remote (On-Site) Deposit Capture: Equipment Rental | $50.00/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 |
| 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 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 – Personal/Business Check | $32.00 |
| Stop Payment – Bill Pay Check | $42.00 | |
| Transaction Limit Charge – Business Co-op Advantage Checking | $0.50/item over 1,000 transactions | |
| Transaction Limit Charge – Business Base Checking | $0.50/item over 500 transactions | |
| 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 U.S. Dollars | $45.00 | |
# After 1 year if over age 18 and the balance <$500
| Type of Service | Price Amount |
|---|---|
| ACH Corporate Rules Book | $75.00 |
| ACH Deletions or Reversals | $10.00 |
| ACH Return | $10.00 |
| ACH Special Handling Fee | $25.00/hour |
| ACH Transaction Item | $1.00/per transaction |
| ACH Transmittal | $1.00/per transmittal |
| Bill Pay ACH NSF | $32.00 |
| Bill Pay Corporate Check NSF | $32.00 |
| Bill Pay Laser Draft NSF | $32.00 |
| Bill Pay Overnight Check | $14.95 |
| Bill Pay Same Day Payment | $9.95 |
| Online Wire Transfer –Outgoing Domestic | $25.00 |
Service Prices Effective June 1, 2025