The Savings Bank

Headquarters: Wakefield, Massachusetts
Charter: Bank
Assets: $891.0M
Fed district: Boston

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $33, its standard fee, the highest of its prices
The Savings Bank: $5 to $33
The Savings Bank: $5 to $33
U.S. median: no median
NSF / Returned Item
Compared at $19, the middle of its prices
The Savings Bank: $5 to $33
The Savings Bank: $5 to $33
U.S. median: no median
Stop Payment
The Savings Bank: $33
The Savings Bank: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 The Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Closing Service Charge – If account is closed within 90 days$25
Paper Statement Fee$5
Returned Mail Fee - (Per Statement)$5

Overdraft & NSF

Overdraft (check is paid)$33
Overdraft (check is paid)$5
ACH OD/NSF Charge$33
ACH OD/NSF Charge$5
Return Check Charge (check is returned)$5
Return Check Charge (check is returned)$33
Consecutive Day OD Fee(3)$35

ATM & Card

ATM/Debit Card Reissue$10
ATM/Debit Card Reissue Rush$60

Wire Transfers

Wire Transfer Fee (Incoming Domestic)$11

Check Services

Treasurer's Check$8
Money Order$5
Stop Payment Fee - (Per Item)$33
per item
Collection Items - Outgoing - Canadian$25
Collection Items - Outgoing - Other foreign items$40

Digital & Electronic

ACH Return Charge$5
ACH Return Charge$33

Cash & Deposit

Deposit Item Returned Fee (Consumer Account)$7

Account Services

Key Replacement$20
Not compared: Box drilling or key fee
Tax Levy, Attachment, Lien, or Writ Fee$75

Lending Fees

Late Payment Fee$5

Retirement & IRA

Trustee Fee (retirement Plan- IRA Annual Fee)$15
per year
Trustee Fee (retirement Plan- IRA Transfer Fee)$50

Other Fees

Copies of Statements - Additional/Duplicate/Interim$5

Fee	Amount	Basis	Note
Account Maintenance
Closing Service Charge – If account is closed within 90 days	$25	Not stated	None
Paper Statement Fee	$5	Not stated	None
Returned Mail Fee - (Per Statement)	$5	Not stated	None
Overdraft & NSF
Overdraft (check is paid)	$33	Not stated	None
Overdraft (check is paid)	$5	Not stated	None
ACH OD/NSF Charge	$33	Not stated	None
ACH OD/NSF Charge	$5	Not stated	None
Return Check Charge (check is returned)	$5	Not stated	None
Return Check Charge (check is returned)	$33	Not stated	None
Consecutive Day OD Fee(3)	$35	Not stated	None
ATM & Card
ATM/Debit Card Reissue	$10	Not stated	None
ATM/Debit Card Reissue Rush	$60	Not stated	None
Wire Transfers
Wire Transfer Fee (Incoming Domestic)	$11	Not stated	None
Check Services
Treasurer's Check	$8	Not stated	None
Money Order	$5	Not stated	None
Stop Payment Fee - (Per Item)	$33	per item	None
Collection Items - Outgoing - Canadian	$25	Not stated	None
Collection Items - Outgoing - Other foreign items	$40	Not stated	None
Digital & Electronic
ACH Return Charge	$5	Not stated	None
ACH Return Charge	$33	Not stated	None
Cash & Deposit
Deposit Item Returned Fee (Consumer Account)	$7	Not stated	None
Account Services
Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Tax Levy, Attachment, Lien, or Writ Fee	$75	Not stated	None
Lending Fees
Late Payment Fee	$5	Not stated	None
Retirement & IRA
Trustee Fee (retirement Plan- IRA Annual Fee)	$15	per year	None
Trustee Fee (retirement Plan- IRA Transfer Fee)	$50	Not stated	None
Other Fees
Copies of Statements - Additional/Duplicate/Interim	$5	Not stated	None

Account Maintenance

Monthly Service Fee$15
per month

Wire Transfers

Wire transfer out - Domestic$25
Wire transfer out - Foreign$45
Wire transfer in - Foreign$20

Cash & Deposit

Night deposit key replacement$7.50

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$15	per month	None
Wire Transfers
Wire transfer out - Domestic	$25	Not stated	None
Wire transfer out - Foreign	$45	Not stated	None
Wire transfer in - Foreign	$20	Not stated	None
Cash & Deposit
Night deposit key replacement	$7.50	Not stated	None

Correct a fee source

Nov 4, 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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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $33, its standard fee, the highest of its prices
The Savings Bank: $5 to $33
The Savings Bank: $5 to $33
U.S. median: no median
NSF / Returned Item
Compared at $19, the middle of its prices
The Savings Bank: $5 to $33
The Savings Bank: $5 to $33
U.S. median: no median
Stop Payment
The Savings Bank: $33
The Savings Bank: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

Published fee schedule

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

Account Maintenance

Closing Service Charge – If account is closed within 90 days$25
Paper Statement Fee$5
Returned Mail Fee - (Per Statement)$5

Overdraft & NSF

Overdraft (check is paid)$33
Overdraft (check is paid)$5
ACH OD/NSF Charge$33
ACH OD/NSF Charge$5
Return Check Charge (check is returned)$5
Return Check Charge (check is returned)$33
Consecutive Day OD Fee(3)$35

ATM & Card

ATM/Debit Card Reissue$10
ATM/Debit Card Reissue Rush$60

Wire Transfers

Wire Transfer Fee (Incoming Domestic)$11

Check Services

Treasurer's Check$8
Money Order$5
Stop Payment Fee - (Per Item)$33
per item
Collection Items - Outgoing - Canadian$25
Collection Items - Outgoing - Other foreign items$40

Digital & Electronic

ACH Return Charge$5
ACH Return Charge$33

Cash & Deposit

Deposit Item Returned Fee (Consumer Account)$7

Account Services

Key Replacement$20
Not compared: Box drilling or key fee
Tax Levy, Attachment, Lien, or Writ Fee$75

Lending Fees

Late Payment Fee$5

Retirement & IRA

Trustee Fee (retirement Plan- IRA Annual Fee)$15
per year
Trustee Fee (retirement Plan- IRA Transfer Fee)$50

Other Fees

Copies of Statements - Additional/Duplicate/Interim$5

Fee	Amount	Basis	Note
Account Maintenance
Closing Service Charge – If account is closed within 90 days	$25	Not stated	None
Paper Statement Fee	$5	Not stated	None
Returned Mail Fee - (Per Statement)	$5	Not stated	None
Overdraft & NSF
Overdraft (check is paid)	$33	Not stated	None
Overdraft (check is paid)	$5	Not stated	None
ACH OD/NSF Charge	$33	Not stated	None
ACH OD/NSF Charge	$5	Not stated	None
Return Check Charge (check is returned)	$5	Not stated	None
Return Check Charge (check is returned)	$33	Not stated	None
Consecutive Day OD Fee(3)	$35	Not stated	None
ATM & Card
ATM/Debit Card Reissue	$10	Not stated	None
ATM/Debit Card Reissue Rush	$60	Not stated	None
Wire Transfers
Wire Transfer Fee (Incoming Domestic)	$11	Not stated	None
Check Services
Treasurer's Check	$8	Not stated	None
Money Order	$5	Not stated	None
Stop Payment Fee - (Per Item)	$33	per item	None
Collection Items - Outgoing - Canadian	$25	Not stated	None
Collection Items - Outgoing - Other foreign items	$40	Not stated	None
Digital & Electronic
ACH Return Charge	$5	Not stated	None
ACH Return Charge	$33	Not stated	None
Cash & Deposit
Deposit Item Returned Fee (Consumer Account)	$7	Not stated	None
Account Services
Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Tax Levy, Attachment, Lien, or Writ Fee	$75	Not stated	None
Lending Fees
Late Payment Fee	$5	Not stated	None
Retirement & IRA
Trustee Fee (retirement Plan- IRA Annual Fee)	$15	per year	None
Trustee Fee (retirement Plan- IRA Transfer Fee)	$50	Not stated	None
Other Fees
Copies of Statements - Additional/Duplicate/Interim	$5	Not stated	None

Account Maintenance

Monthly Service Fee$15
per month

Wire Transfers

Wire transfer out - Domestic$25
Wire transfer out - Foreign$45
Wire transfer in - Foreign$20

Cash & Deposit

Night deposit key replacement$7.50

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$15	per month	None
Wire Transfers
Wire transfer out - Domestic	$25	Not stated	None
Wire transfer out - Foreign	$45	Not stated	None
Wire transfer in - Foreign	$20	Not stated	None
Cash & Deposit
Night deposit key replacement	$7.50	Not stated	None

Correct a fee source

Nov 4, 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.