Winchester Savings Bank

Headquarters: Winchester, Massachusetts
Charter: Bank
Assets: $1.1B
Fed district: Boston

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 22, 2026.

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Fees against the market

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.
Winchester Savings Bank: $10
Winchester Savings Bank: $10
U.S. median: no median
Overdraft (OD)
Winchester Savings Bank: $25
Winchester Savings Bank: $25
U.S. median: no median
NSF / Returned Item
Winchester Savings Bank: $25
Winchester Savings Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Winchester Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Service Charge$10
per month
Account Research Fee (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
per month

Overdraft & NSF

Insufficient Funds Charge - Paid$25
Insufficient Funds Charge - Returned$25
Automatic Overdraft Protection Transfer Fee$5

ATM & Card

Non-Winchester Savings Bank ATM Withdrawal (audience not stated, treated as personal)$2
VISA® Check Card Replacement Card (audience not stated, treated as personal)$10
VISA® Check Card Rush Delivery (audience not stated, treated as personal)$40
Cross Border Assessment (audience not stated, treated as personal)0.9%of the transaction
Currency Conversion Assessment0.2%of the transaction
International Service Assessment1%of the transaction

Wire Transfers

Domestic Wire, Outgoing$30
Domestic Wire, Incoming$20
Foreign Wire, Outgoing (audience not stated, treated as personal)$40
Foreign Wire, Incoming$20

Check Services

Treasurers Check (audience not stated, treated as personal)$5
Negotiable Items Money Order$2
Check Printing Charges Varies Coin CountingNo charge
Stop Payment$20

Digital & Electronic

Bill Pay (audience not stated, treated as personal)No charge

Cash & Deposit

Coin Counting (audience not stated, treated as personal)No charge
Returned Deposit Item Fee (audience not stated, treated as personal)$6.84

Account Services

Customers 5% for Non-Customers Notary Public Fees Winchester Savings Account HoldersNo charge
Box Drilling (audience not stated, treated as personal)$225
Not compared: Box drilling or key fee
Late Payment$10
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Fees Lost Key$20
Not compared: Box drilling or key fee
Legal Process Fees (audience not stated, treated as personal)$50

Retirement & IRA

IRA Transfer Fee (Outgoing) (audience not stated, treated as personal)$25

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

Correct a fee source

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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