Fee Schedule

Personal Account Fees

Account Type	Minimum Balance*	Service Charge
Checking Accounts No-Fee Checking Personal Checking† 18/65 Checking** Bonus Checking Collegiate Checking	N/A $500 N/A $500 N/A	N/A $5.00 N/A $10.00 N/A
Savings Accounts Statement Savings** Preferred Savings Titanium Savings	$10 $50,000 $10,000	$1.00 $10.00 $10.00
Money Market Accounts Traditional Money Market Platinum Money Market Super Money Market‡ Titanium Money Market	$1,000 $250,000 $150,000 $250,000	$5.00 $10.00 $10.00 $10.00

Business Account Fees

Account Type	Minimum Balance*	Service Charge
Checking Accounts Simple Business Checking Simple Business NOW Checking	$5,000 $500	$10.00 $5.00
Savings Accounts Business Statement Savings Business Preferred Savings Business Titanium Savings	$1,000 $50,000 $10,000	$10.00 $10.00 $10.00
Money Market Accounts Business Money Market Business Platinum Money Market Business Super Money Market‡ Business Titanium Money Market	$2,500 $250,000 $150,000 $250,000	$10.00 $10.00 $10.00 $10.00

* Minimum balance to avoid monthly service charge.

** 18/65 Accounts: Depositors age 65 and over, or 18 and younger may choose one 18/65 Checking and one Statement Savings account with no fees. A charge of $5.00 may be imposed for insufficient funds. For an account to be exempt all owners must meet the age qualification unless the account is joint with a spouse. You must sign up to take advantage of this exception.

† No monthly service charge with direct deposit.

‡ Product no longer available for new accounts.

Additional Services

^{Some services available to bank customers only}

Service	Fee
Account Fees Insufficient Funds Charge and Overdraft Item Charge for Check and ACH transactions Overdraft Protection Transfers (from another deposit account) Return Deposited Item – Business Recurring Duplicate Account Statement Stop Payment Order (expires in 6 months) ACH Debit Blocking/Change Check Order Money Market Check Order (first order free) Abandoned Property Fee (checking and savings accounts only)	$25.00 per item* $3.00 per transfer $10.00 per item $3.00 per statement $25.00 per order $25.00 per block Varies by style Varies by style $100.00 per account**
ATM/Debit Card Fees ATM Transactions ATM Transactions at Other Bank’s ATM (other banks may charge fee) Debit Card Transactions ATM/Debit Card Replacement	NO CHARGE NO CHARGE† NO CHARGE† $15.00
Online Banking Fees Online Banking Bill Pay Bill Pay Gift Check Bill Pay Donation Check Bill Pay Rush Delivery E-Statements and Notices Bank to Bank Transfers – Outgoing Bank to Bank Transfers – Incoming Mobile Banking Mobile Deposit Cash Management Wire Transfer – Domestic Outgoing ACH Origination	NO CHARGE NO CHARGE $2.99 per check $1.99 per check Varies NO CHARGE $3.00 per transfer NO CHARGE NO CHARGE NO CHARGE Varies $18.00 per wire $0.10 per item & $2.50 per file
Safe Deposit Box Fees Safe Deposit Box Safe Deposit Box Replacement Key Drilled Safe Deposit Box	Varies by size‡ $25.00 $200.00
Foreign Currency Fees Foreign Currency Purchase Return Foreign Currency (fee includes shipping) Foreign Draft (plus shipping) Foreign Draft Collection (plus any applicable corresponding bank charges)	$10 plus shipping $30.00 $25.00 per draft $15.00 - $60.00 per draft
Wire Transfer Fees Wire Transfer - Domestic Outgoing Wire Transfer - Foreign Outgoing Wire Transfer - Incoming	$25.00 per wire $65.00 per wire NO CHARGE
Miscellaneous Service Fees Treasurer’s Check (if under $1,000 and not withdrawn from account) Money Order 24-Hour Telephone Banking Notary Signature Guarantee Lock Box Service (provided upon request) Night Depository Research MA DOR Levy Withdrawals and Closeouts by Mail (sent via USPS Priority Mail)	$2.00 per check $1.00 per check NO CHARGE NO CHARGE NO CHARGE Varies NO CHARGE $25.00 per hour / 1 hour minimum $20.00 $15.00 per transaction

Rev. 12/09/2021

* If an item is returned, the item may be represented for collection by the merchant or presenting bank. We do not monitor or control the number of times a transaction is presented for payment. If your account is still without sufficient funds, the same item may trigger multiple insufficient funds (NSF) charges..

** Refer to Massachusetts General Laws Chapter 200A.
† ATM and Debit Card Networks may charge an international transaction fee.
‡ The Bank does not provide insurance coverage for the contents of your safe deposit box.