Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Winchester Co-operative Bank

Winchester, MassachusettsBankBoston Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$20Within the typical range ($11–$25 nationally)

Overdraft & NSFVerified

Nonsufficient Funds (NSF) Return Item$15Below the typical range ($25–$32 nationally)
$15 below the national median$15 below the Massachusetts median
per item · Source
NSF Massachusetts 18/65 Accounts (each)$5Below the typical range ($25–$32 nationally)
$25 below the national median$25 below the Massachusetts median
per item · Source

Wire TransfersVerified

Wire Transfer – Domestic$15Below the typical range ($20–$25 nationally)
$10 below the national median$10 below the Massachusetts median
Source
Wire Transfer – Foreign$30Below the typical range ($40–$50 nationally)
$20 below the national median$15 below the Massachusetts median
Source

Check ServicesVerified

Treasurer's Check$0Below the typical range ($3–$6 nationally)
$5 below the national median$5 below the Massachusetts median
Source
Money Order$0Below the typical range ($1.50–$3 nationally)
$2 below the national median$3 below the Massachusetts median
Source
Stop Payment$12Below the typical range ($20–$30 nationally)
$15.50 below the national median$14.25 below the Massachusetts median
per item · Source
Copy of Check$2.50Within the typical range ($2–$5 nationally)
$0.50 below the national median$2.50 below the Massachusetts median
Source

Cash & DepositVerified

Return Deposited Item$4Below the typical range ($8–$25 nationally)
$11 below the national median$3.14 below the Massachusetts median
per item · Source

Account ServicesVerified

Safe Deposit Box – Box Drilling or Two Keys Lost$200Above the typical range ($30–$70 nationally)
$155 above the national median$135 above the Massachusetts median
Source
Safe Deposit Box – Lost key$20Below the typical range ($30–$70 nationally)
$25 below the national median$45 below the Massachusetts median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20Within the typical range ($11–$25 nationally)	$2.50 above the national median$5 below the Massachusetts median	per item	—	Source
Overdraft & NSFVerified
Nonsufficient Funds (NSF) Return Item	$15Below the typical range ($25–$32 nationally)	$15 below the national median$15 below the Massachusetts median	per item	—	Source
NSF Massachusetts 18/65 Accounts (each)	$5
Wire TransfersVerified
Wire Transfer – Domestic	$15Below the typical range ($20–$25 nationally)	$10 below the national median$10 below the Massachusetts median	—	—	Source
Wire Transfer – Foreign	$30
Check ServicesVerified
Treasurer's Check	$0Below the typical range ($3–$6 nationally)	$5 below the national median$5 below the Massachusetts median	—	—	Source
Money Order	$0
Cash & DepositVerified
Return Deposited Item	$4Below the typical range ($8–$25 nationally)	$11 below the national median$3.14 below the Massachusetts median	per item	—	Source
Account ServicesVerified
Safe Deposit Box – Box Drilling or Two Keys Lost	$200Above the typical range ($30–$70 nationally)	$155 above the national median$135 above the Massachusetts median	—	—	Source
Safe Deposit Box – Lost key	$20

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $15

50% below the national median NSF fee

12 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$946.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$946.9M

Total deposits

$773.8M

Service charge income

$18K

Fee income ratio

0.33%

Return on assets

0.59%

Branches

Service charge income by quarter

Q2 2026$18K

Q1 2026$14K

Q4 2025$10K

Q3 2025$16K

Financial profile · Pro

Performance from regulator filings

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Based on 66,879 published fee entries from 3,618 institutions

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