Fees effective as of 1/20/2020
Checks
| Service |
Fee |
| Money Order |
$3.00 per item |
| Official Check |
$5.00 per item |
Wire Transfers
| Service |
Fee |
| Domestic Outgoing |
$20.00 per wire |
| Domestic Incoming |
$10.00 per wire |
| International Outgoing |
$50.00 per wire |
| International Incoming |
$20.00 per wire |
IRA Transfer
| Service |
Fee |
| Incoming |
FREE |
| Outgoing |
$25.00 per account |
Electronic Services (Online Banking / Bill Payer)
| Service |
Fee |
| Monthly Service |
FREE |
| Monthly E-Statements |
FREE |
ATM / VISA Debit Card
| Service |
Fee |
| ATM Transactions for Members |
FREE - SUM Network |
| Foreign ATM Inquiry Fee |
$1.00 per inquiry |
| Foreign ATM Withdrawal Fee |
$1.00 per withdrawal |
| Foreign ATM Inquiry Fee (Point of Sale Terminal) |
$0.50 per inquiry |
| Foreign ATM Withdrawal Fee (Point of Sale Terminal) |
$1.00 per withdrawal |
| ATM / Debit Card Replacement Fee |
$15.00 per card |
Account Related Services
| Service |
Fee |
| Membership Fee |
$5.00 one-time non-refundable fee |
| Returned Deposit Item Fee |
$6.99 per item |
| Insufficient Funds Fee (NSF) (Check, ATM/POS or EFT) |
$30.00 per item |
| Uncollected Funds Fee (UCF) (Check, ATM/POS or EFT) |
$30.00 per item |
| Overdraft Protection Transfer |
$5.00 per transfer |
| Sustained Overdraft Fee (After 5 days) |
$5.00 per day |
Excess Transaction Fee
Reg. D - Excess Transaction Fee - will be charged for each debit transaction (withdrawal, draft paid, automatic transfer or payment) in excess of six during a month. |
$5.00 per item |
| Stop Payment Order |
$25.00 per item |
| ACH Stop Payment |
$25.00 per item |
| Early Account Closing (90) Days |
$25.00 per account |
| Abandoned Property |
$50.00 per account |
Dormant Account
An account is considered dormant if it has been inactive, with no member-generated activity for one (1) year. |
$25.00 annually |
| No Boundaries Checking Account Monthly Maintenance Fee |
$7.50 |
| No Nonsense Business Checking Account Monthly Maintenance Fee |
$3.00 |
No Nonsense Business Checking Account Debit Transaction Fee
For each debit transaction (withdrawal, draft paid, automatic transfer or payment out of the account) in excess of 300 during a month. |
$0.15 per item fee |
No Nonsense Business Plus Checking Account
For each debit transaction (withdrawal, draft paid, automatic transfer or payment out of the account) in excess of 500 during a month. |
$0.15 per item fee |
Mortgage Servicing Fees
| Service |
Fee |
| Duplicate Discharge Fee |
$75.00 |
| e-Recording Fee |
$5.00 |
| Subordination Request Fee |
$250.00 |
| Partial ReleaseRequest Fee |
$250.00 |
| No Boundaries Modification Fee |
$400.00 |
Miscellaneous Services
| Service |
Fee |
| eStatements (through Online Banking) |
FREE |
Paper Statement (mailed)
(waived for 60 and over or 18 and under - must be the tax reported for owner of the account) |
$1.00 per month |
| Instant Statement |
$5.00 per copy |
| Notary - Member |
FREE |
| Notary - Non-Member |
$5.00 |
| Returned Mail Fee |
$5.00 per item |
| Legal Processing - Tax Levy Fee |
$35.00 per levy |
| Legal Processing - Child Support Levy Fee |
$35.00 per levy |
| Check Copy |
$5.00 per check |
| Canadian Item Processing Fee |
$5.00 per item |
| Over the Counter Checks |
$1.25 per sheet |
| Lost Member Ownership Certificate/Card |
$10.00 replacement fee |
| Coin Machine - Member |
8% of total amount redeemed |
| Coin Machine - Non-Member |
10% of total amount redeemed |
Safe Deposit Boxes
Boxes available in Chicopee's Main Office ONLY
Size 3 x 5
| Service |
Fee |
| Rental |
$30.00 annually |
| Key Replacement |
$25.00 per key |
| Box Drilling |
$250.00 |
| Late Charge Assessment |
$10.00 per month |
Size 5 x 5
| Service |
Fee |
| Rental |
$44.00 annually |
| Key Replacement |
$25.00 per key |
| Box Drilling |
$250.00 |
| Late Charge Assessment |
$10.00 per month |
Size 3 x 10
| Service |
Fee |
| Rental |
$52.00 annually |
| Key Replacement |
$25.00 per key |
| Box Drilling |
$250.00 |
| Late Charge Assessment |
$10.00 per month |
Size 5 x 10
| Service |
Fee |
| Rental |
$78.00 annually |
| Key Replacement |
$25.00 per key |
| Box Drilling |
$250.00 |
| Late Charge Assessment |
$10.00 per month |
Size 10 x 10
| Service |
Fee |
| Rental |
$110.00 annually |
| Key Replacement |
$25.00 per key |
| Box Drilling |
$250.00 |
| Late Charge Assessment |
$10.00 per month |
