Our Worcester Branch will be closed on Tuesday, May 21 for construction. The Video Teller Machine will still be available from 9:00 a.m. - 6:00 p.m., and all other branches are open as usual. As always, our online and mobile banking services are available for your convenience.
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
| 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.
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 | |
|
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 |
|
One-time ACH |
$10.00 | |
|
On-us Check Cashing (for non-members) |
$5.00/check | |
|
Overdraft Protection – Share Transfer |
$5.00 § |
|
Paper Statement |
$3.00/month ^ | |
|
$32.00 § | |
|
Replacement Card – Standard Debit Card |
$10.00/card |
|
Research |
$25.00/hour | |
|
Returned ACH Deposit |
$10.00 | |
|
Returned Check Deposit |
$10.00 | |
|
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 | |
|
Shared Branching Returned Check Deposit |
$20.00 | |
|
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 |
$20.00 | |
|
Wire Transfer – Outgoing International involving only U.S. Dollars |
$40.00 | |
§ 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.
Online Banking Service Prices
| Type of Service | Price Amount |
|---|---|
| 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 |
| A2A Inbound Transfer | $1.00 (First 5 free per month) |
| A2A Inbound Transfer Next Day (Loans Only) | $2.95 |
| A2A Outbound Transfer | $1.00 |
| Zelle® Instant Payment User | Free |
| Zelle® Request Money User | Free |
| Zelle® Standard Service User | Free |
| Zelle® Stop Pay | $32.00 |
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Service Prices Effective January 2, 2024