22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 22, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Account Now
Can be waived with a balance of $1,500 or more.
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Massachusetts, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Winchester Savings Bank · $1.1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Winchester Savings Bank(this institution) | Winchester, MA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Bank | Allentown, PA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| AuburnBank | Auburn, AL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Labor | Overland Park, KS | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Wisconsin Dells | Wisconsin Dells, WI | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cape Ann Savings Bank | Gloucester, MA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centennial Bank | Trezevant, TN | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Core Bank | Omaha, NE | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farm Bureau Bank FSB | Reno, NV | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank | Marion, IA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Command Bank | Fort Worth, TX | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank, Ames, Iowa | Ames, IA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Generations Bank | Rogers, AR | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| GNBank, National Association | Girard, KS | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Great Midwest Bank, S.S.B. | Brookfield, WI | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ixonia Bank | Ixonia, WI | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ledyard National Bank | Norwich, VT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Savings Bank, F.S.B. | Wilmington, OH | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MountainOne Bank | North Adams, MA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nebraskaland Bank | North Platte, NE | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank | Roswell, NM | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sound Community Bank | Seattle, WA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens National Bank of Bluffton | Bluffton, OH | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank and Trust Co., Chickasha, Oklahoma | Chickasha, OK | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Monticello Banking Company | Monticello, KY | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TrailWest Bank | Lolo, MT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $8 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Amounts from Winchester Savings Bank’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Service Charge | $10 | per month | None |
| Account Research Fee (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $5 | per month | None |
Overdraft & NSF | |||
| Insufficient Funds Charge - Paid | $25 | Not stated | None |
| Insufficient Funds Charge - Returned | $25 | Not stated | None |
| Automatic Overdraft Protection Transfer Fee | $5 | Not stated | None |
ATM & Card | |||
| Non-Winchester Savings Bank ATM Withdrawal (audience not stated, treated as personal) | $2 | Not stated | None |
| VISA® Check Card Replacement Card (audience not stated, treated as personal) | $10 | Not stated | None |
| VISA® Check Card Rush Delivery (audience not stated, treated as personal) | $40 | Not stated | None |
| Cross Border Assessment (audience not stated, treated as personal) | 0.9%of the transaction | Not stated | None |
| Currency Conversion Assessment | 0.2%of the transaction | Not stated | None |
| International Service Assessment | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire, Outgoing | $30 | Not stated | None |
| Domestic Wire, Incoming | $20 | Not stated | None |
| Foreign Wire, Outgoing (audience not stated, treated as personal) | $40 | Not stated | None |
| Foreign Wire, Incoming | $20 | Not stated | None |
Check Services | |||
| Treasurers Check (audience not stated, treated as personal) | $5 | Not stated | None |
| Negotiable Items Money Order | $2 | Not stated | None |
| Check Printing Charges Varies Coin Counting | No charge | Not stated | None |
| Stop Payment | $20 | Not stated | None |
Digital & Electronic | |||
| Bill Pay (audience not stated, treated as personal) | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | No charge | Not stated | None |
| Returned Deposit Item Fee (audience not stated, treated as personal) | $6.84 | Not stated | None |
Account Services | |||
| Customers 5% for Non-Customers Notary Public Fees Winchester Savings Account Holders | No charge | Not stated | None |
| Box Drilling (audience not stated, treated as personal) | $225Not compared: Box drilling or key fee | Not stated | None |
| Late Payment | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Fees Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Legal Process Fees (audience not stated, treated as personal) | $50 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee (Outgoing) (audience not stated, treated as personal) | $25 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 22, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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