Fee Schedule

Fees effective as of  11/15/2025

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 $55.00 per wire
International Incoming $20.00 per wire
Returned Wire Fee $10.00 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
Inactive Account
An account is considered inactive 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 $450.00
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) 		$2.00 per month
Instant Statement $5.00 per copy
Account Research $25.00 per hour
($25.00 minimum)
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