14 banks and credit unions have branches in Waltham. The Bank Fee Index holds published fees for 12 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Massachusetts
Waltham counts institutions with a branch here, wherever headquartered. Massachusetts counts institutions headquartered in the state.
Waltham
6 institutions with a branch here
$3
Massachusetts
59 institutions headquartered in Massachusetts
$1.50
U.S.
1,651 institutions in the index
$1.50
Chosen as the fee whose Waltham median sits furthest from Massachusetts's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Waltham with Massachusetts and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $35.
Median published overdraft fee
Waltham
9 institutions with a branch here
$25
Massachusetts
81 institutions headquartered in Massachusetts
$30
U.S.
2,605 institutions in the index
$30
Waltham covers every institution with a branch here, wherever it is headquartered. Massachusetts covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
14 institutions, 9 with a published overdraft fee.
Bank · based in Cambridge, MA · 2 branches here
Account not yet known
“Paid Item $25”
Bank · based in Charlotte, NC · 2 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Rockland, MA · 2 branches here
Bank · based in Wilmington, DE · 2 branches here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Bank · based in Watertown, MA · 2 branches here
Bank · based in Columbus, OH · 2 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Buffalo, NY · 2 branches here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Providence, RI · 1 branch here
Account not yet known
“Overdraft Fee | $35 Per item paid if your account is overdrawn”
Bank · based in Brookline, MA · 1 branch here
Account not yet known
“Overdraft/Unavailable Funds (UAF) Overdraft Fee8,9,14 … $35.00”
Largest banks by local bank deposits
Share of the $4.1 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Middlesex County
Deposits and branches cover the City of Waltham. Population and income cover Middlesex County, the county with most of Waltham's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Middlesex County.
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