Fee Schedule

Savings, Checking, Money Market

Passbook Savings
  Monthly Service Charge (if balance drops below $10) $   1.00*
Statement Savings
  Monthly Service Charge (if balance drops below $10) $   1.00*
Preferred Savings
  Monthly Service Charge (if balance drops below $50,000) $  10.00
 
Transfers from a savings account including those to third parties are limited to six per month. These transaction limitations include preauthorized, automatic, telephone or computer transfers, checks, drafts, debit card or ATM point-of-sale purchases, or similar orders to third parties. $   5.00 (per item in excess of 6)
 
Withdrawal and Deposit Slips NO CHARGE
No Fee Checking NO CHARGE
Personal Checking
  Monthly Service Charge (if balance drops below $500) $   5.00*+
Bonus Checking
  Monthly Service Charge (if balance drops below $500) $  10.00
Premium Money Market
  Monthly Service Charge (if balance drops below $75,000) $  10.00
Money Market
  Monthly Service Charge (if balance drops below $1000) $   5.00
 
Transfers from a money market account including those to third parties are limited to six per month. These transaction limitations include preauthorized, automatic, telephone or computer transfers, checks, drafts, debit card or ATM point-of-sale purchases, or similar orders to third parties. $   5.00 (per item in excess of 6)
 
Withdrawal and Deposit Slips NO CHARGE
Other Fees and Services
  Insufficient Funds Charge and Overdraft Item Charge
for Check and ACH transactions
$  20.00 (per item)
  ATM Transactions NO CHARGE
  ATM Transactions - Other Bank ATMs NO CHARGE**++
  Debit Card Transactions NO CHARGE++
  Internet Banking NO CHARGE
  Internet Banking Bank to Bank Transfer - Outgoing $   3.00 (per transfer)
  Internet Banking Bank to Bank Transfer - Incoming NO CHARGE
  Bill Pay - Personal Accounts NO CHARGE
  E-Statements NO CHARGE
  Overdraft Protection Transfers (from Savings or Money Market accounts) $   3.00 (per transfer)
  Stop Payment Order (expires in 6 months) $  25.00
  Check Order Varies
  Money Market Check Order (first order free) Varies
  Personal Money Orders (up to $1000) $   1.00
  Recurring Duplicate Account Statement $   3.00 (per statement)
  Treasurer's Checks (if under $1000 and/or not withdrawn from your account) $   2.00
  Wire Transfer - Domestic Outgoing $  20.00 (per wire)
  Wire Transfer - Foreign Outgoing $  50.00 (per wire)
  Wire Transfer - Incoming  NO CHARGE
  Foreign Currency Purchase 1% of US total   (minimum $10.00
 
 
plus shipping charge)
  Return Foreign Currency $  20.00
  Foreign Draft $  15.00 (plus shipping charge)
  Foreign Check Collection $  15.00-$45.00 (plus any applicable corresponding bank charges)
  Notary NO CHARGE
  Signature Guarantee NO CHARGE
  Research $  25.00 (per hour)
  MA DOR Levy $  20.00
  Safe Deposit Box Varies
  Safe Deposit Box Replacement Key $  25.00
  Drilled Safe Deposit Box $ 125.00
  24-Hour Automated Telephone Banking NO CHARGE
  Night Depository NO CHARGE
  Abandoned Property (Checking and Savings Accounts Only)  $  50.00***


Some services available to bank customers only. 

* 18/65 Accounts: No fees on personal accounts of depositors age 65 and over, or 18 and younger. A charge of $5 may be imposed for insufficient funds. For an account to be exempt, all owners must meet the age qualification unless the account is joint husband and wife. You must sign up to take advantage of this exemption.

** Other banks may charge fee.

*** Refer to Massachusetts General Laws Chapter 200A.

 + No monthly service charge with direct deposit. Must inform us before service charge will be removed.

++ ATM and Debit Card Networks may charge an international transaction fee.