Get 150 Co-op Points for opening a checking account, plus 1 point for every $1 of dividends earned.

Take advantage of a UMassFive share draft (checking) account and save money. Our checking account products are simple and easy to use. There are no per check charges or monthly fees and you can access your checking account using online banking, M.A.T. or through an ATM at anytime.

Co-op Advantage Checking (type 74)
With Co-op Advantage Checking earn a great interest rate and get ATM fee refunds nationwide! Simply meet the following free and easy qualifications each monthly cycle.

• 12 Debit Card transactions
• 1 Direct Deposit or ACH Auto Debit
• Sign up for eStatements

Co-op Advantage Checking benefits include:

• High earning dividend rate
• Nationwide ATM fee refunds up to $25.00 per cycle.
• No minimum balance
  50 Free checks on new accounts
  
• Free UMassFive ATM use
  
• Free Check Card with unlimited VISA network transactions
• Optional Overdraft Protection - 2 types available, share transfer option or line of credit
  

Free Checking (type 79)
We find that Free Checking is the share draft account of choice for many members. Say good-bye to high fees and minimum balances. Optional direct deposit eliminates the need to go to your bank to cash your check. That's one less thing for you to worry about!!
Free Checking benefits include:

• No minimum balance
  
• 50 Free checks
  
• Free UMassFive ATM use
  
• Free ATM withdrawals and free point of sale transactions at non-credit union ATMs - (look for the SUM logo if using another bank's ATM machine to avoid surcharges)
• Free Check Card with unlimited VISA network transactions
• Optional Overdraft Protection - 2 types available, share transfer option or line of credit

Interest Bearing Checking (type 75)
Our Interest Bearing Checking account is an alternative for those who wish to have their checking account accumulate interest.
Interest Bearing Checking benefits include:

• $100.00 minimum ($10.00 fee if below, charged only once per month)
• Dividends paid on balance over $500.00
• Free UMassFive ATM use
• Free Check Card with unlimited VISA network transactions
• Optional Overdraft protection - 2 types available, share transfer option or line of credit. (With Overdraft Protection, we will waive your minimum balance for this account)

Courtesy Pay is a privilege provided to eligible members that allows them to overdraw their checking account so that checks and other items are not returned ("bounced").

For questions or assistance, please contact a Representative or email us today!