vs. U.S. typical range:LowerTypicalHigher
$2.50 above the national median$5 below the Massachusetts median
$11 below the national median$11 below the Massachusetts median
$5 below the national median$5 below the Massachusetts median
$0.50 above the national median$0.50 above the Massachusetts median
At the national medianAt the Massachusetts median
At the national median$10 below the Massachusetts median
—
—
$5 below the national median$5 below the Massachusetts median
At the national medianAt the Massachusetts median
$10 below the national median$5 below the Massachusetts median
At the national medianAt the Massachusetts median
At the national median$1 below the Massachusetts median
$1 below the national median$8 below the Massachusetts median
$27.50 below the national median$26.25 below the Massachusetts median
$2.50 below the national medianAt the Massachusetts median
At the national medianAt the Massachusetts median
$8.16 below the national median$0.30 below the Massachusetts median
$2.50 below the national median$1.25 below the Massachusetts median
$180 above the national median$160 above the Massachusetts median
$25 below the national median$45 below the Massachusetts median
$10 below the national medianAt the Massachusetts median
At the national medianAt the Massachusetts median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Account Research Fee (per hour) | $20Within the typical range ($11–$25 nationally) | $2.50 above the national median$5 below the Massachusetts median | — | — | Source |
Overdraft & NSFVerified | |||||
| Insufficient Funds Charge - Paid | $19Below the typical range ($25–$33 nationally) | $11 below the national median$11 below the Massachusetts median | — | — | Source |
| Automatic Overdraft Protection Transfer Fee | $0 | ||||
ATM & CardVerified | |||||
| Non-Winchester Savings Bank ATM Withdrawal | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.50 above the Massachusetts median | — | — | Source |
| VISA ® Check Card Replacement Card | $10 | ||||
Wire TransfersVerified | |||||
| Domestic Wire, Outgoing | $20Within the typical range ($20–$25 nationally) | $5 below the national median$5 below the Massachusetts median | — | — | Source |
| Domestic Wire, Incoming | $10 | ||||
Check ServicesVerified | |||||
| Treasurers Check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Massachusetts median | — | — | Source |
| Negotiable Items Money Order | $2 | ||||
Digital & ElectronicVerified | |||||
| Bill Pay | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national medianAt the Massachusetts median | — | — | Source |
Cash & DepositVerified | |||||
| Coin Counting | $0Within the typical range ($0–$3 nationally) | At the national medianAt the Massachusetts median | — | — | Source |
| Returned Deposit Item Fee | $6.84 | ||||
Account ServicesVerified | |||||
| Customers 5% for Non-Customers Notary Public Fees Winchester Savings Account Holders | $0Within the typical range ($0–$5 nationally) | $2.50 below the national median$1.25 below the Massachusetts median | — | — | Source |
| Box Drilling | $225 | ||||
Lending FeesVerified | |||||
| Late Payment | $10Within the typical range ($10–$25 nationally) | $10 below the national medianAt the Massachusetts median | — | — | Source |
Retirement & IRAVerified | |||||
| IRA Transfer Fee (Outgoing) | $25Within the typical range ($25–$35 nationally) | At the national medianAt the Massachusetts median | — | — | Source |
Overdraft
$19.00
Of 29 others that publish it, 0 lower and 29 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$19
Headline fees published
11 of 15
Published fees
22
Under review
0
Assets
$1.1B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$1.1B
Total deposits
$817.7M
Service charge income
$53K
Fee income ratio
0.73%
Return on assets
0.42%
Branches
5
Service charge income by quarter
Financial profile · Pro
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| $5 below the national median$5 below the Massachusetts median |
| — |
| — |
| Source |
| At the national medianAt the Massachusetts median |
| — |
| — |
| Source |
| VISA ® Check Card Rush Delivery | $40Within the typical range ($30–$50 nationally) | At the national median$10 below the Massachusetts median | — | — | Source |
| Cross Border Assessment | 0.9%of the transaction | — | — | — | Source |
| International Service Assessment | 1%of the transaction | — | — | — | Source |
| At the national medianAt the Massachusetts median |
| — |
| — |
| Source |
| Foreign Wire, Outgoing | $40Within the typical range ($40–$50 nationally) | $10 below the national median$5 below the Massachusetts median | — | — | Source |
| At the national median$1 below the Massachusetts median |
| — |
| — |
| Source |
| Check Printing Charges Varies Coin Counting | $0Within the typical range ($0–$15 nationally) | $1 below the national median$8 below the Massachusetts median | — | — | Source |
| Stop Payment | $0Below the typical range ($20–$30 nationally) | $27.50 below the national median$26.25 below the Massachusetts median | — | — | Source |
| $8.16 below the national median$0.30 below the Massachusetts median |
| — |
| — |
| Source |
| $180 above the national median$160 above the Massachusetts median |
| — |
| — |
| Source |
| Safe Deposit Fees Lost Key | $20Below the typical range ($30–$70 nationally) | $25 below the national median$45 below the Massachusetts median | — | — | Source |
| Legal Process Fees | $50Within the typical range ($30–$100 nationally) | At the national median | — | — | Source |