24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $13, the middle of its prices
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.
Amounts from Mechanics Cooperative Bank’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per day
per item
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee (audience not stated, treated as personal) | $25 | per month | None |
| Monthly Service Fee (audience not stated, treated as personal) | $7 | per month | None |
| Monthly Service Fee (audience not stated, treated as personal) | $13 | per month | None |
| Dormant Account Fee 12 (Per Month after 12 months of inactivity) | $5 | per month | None |
| Escheatment Fee per Account | $30 | per month | None |
| Excessive Transaction Fee (audience not stated, treated as personal) | $10 | Not stated | None |
| Return Mail | $5 | Not stated | None |
Overdraft & NSF | |||
| Generally costs less than a UCF/NSF/OD fee (audience not stated, treated as personal) | $50 | Not stated | None |
| Returned UCF/NSF Fee (audience not stated, treated as personal) | $35 | Not stated | None |
| Consecutive Daily OD Fee (After the 6th consecutive processing Day) (audience not stated, treated as personal) | $5 | per day | None |
| Sweep Transfer Charge (Personal) | $5 | per item | None |
ATM & Card | |||
| Foreign ATM/Card Activity Charge (audience not stated, treated as personal) | $1.50 | per item | None |
| Reissuance of Card (Expedited) (audience not stated, treated as personal) | $65 | Not stated | None |
Check Services | |||
| Treasurers Check 1 (audience not stated, treated as personal) | $5 | Not stated | None |
| Money Order 1 (audience not stated, treated as personal) | $2 | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $30 | Not stated | None |
| International Check Collection (audience not stated, treated as personal) | $25 | Not stated | None |
| Copy of Check or Money Order | $5 | Not stated | None |
Cash & Deposit | |||
| Coin Counting where available (customer) (audience not stated, treated as personal) | No charge | Not stated | None |
| Return Deposit Items (audience not stated, treated as personal) | $10 | Not stated | None |
| Return Item Fee | $35 | Not stated | None |
| Lost Night Deposit Key Replacement Charge (audience not stated, treated as personal) | $25 | Not stated | None |
Account Services | |||
| Notary Service (Customer) | No charge | Not stated | None |
| Replace Lost Safe Deposit Box Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $135 | Not stated | None |
| Safe Deposit Box 2x5 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $65 | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $75 | Not stated | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $50 | Not stated | None |
| Safe Deposit Box 6x10 (audience not stated, treated as personal) | $80 | Not stated | None |
| Safe Deposit Box 7x10 (audience not stated, treated as personal) | $90 | Not stated | None |
| Safe Deposit Box 9x10 (audience not stated, treated as personal) | $120 | per year | None |
| Safe Deposit Box Drilling (audience not stated, treated as personal) | $200Not compared: Box drilling or key fee | Not stated | None |
| Attachment/Levy | $75 | Not stated | None |
| Subordination Agreement (if approved) | $250 | Not stated | None |
Lending Fees | |||
| Late Charge (audience not stated, treated as personal) | $5 | Not stated | None |
Other Fees | |||
| Copy of Statement or Interim Statement | $5 | 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
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee 12 (Per Month after 12 months of inactivity) | $5 | per month | None |
| Escheatment Fee per Account | $30 | per month | None |
| Return Mail | $5 | Not stated | None |
Overdraft & NSF | |||
| Sweep Transfer Charge (Business) | $10 | per item | None |
Check Services | |||
| Copy of Check or Money Order | $5 | Not stated | None |
Cash & Deposit | |||
| Return Item Fee | $35 | Not stated | None |
Account Services | |||
| Notary Service (Customer) | No charge | Not stated | None |
| Attachment/Levy | $75 | Not stated | None |
| Subordination Agreement (if approved) | $250 | Not stated | None |
Other Fees | |||
| Copy of Statement or Interim Statement | $5 | Not stated | None |
Nov 2, 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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