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, $1B to $10B

Salem Five Cents Savings Bank

Salem, MassachusettsBankBoston Fed districtFees collected Oct 9, 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

Monthly Fee$5Within the typical range ($4–$10 nationally)

$1 below the national median$1.75 below the Massachusetts median

Monthly Maintenance Fee$25

$19 above the national median$18.25 above the Massachusetts median

per month · Source

Monthly Maintenance Fee$0

$6 below the national median$6.75 below the Massachusetts median

per month · Source

Monthly Maintenance Fee$15

$9 above the national median$8.25 above the Massachusetts median

per month · Source

Monthly Maintenance Fee$2.50

$3.50 below the national median$4.25 below the Massachusetts median

per month · Source

Inactivity Fee$5

At the national medianAt the Massachusetts median

Source

Account Reconciliation (per hour)$25

$7.50 above the national medianAt the Massachusetts median

Source

Paper Statement Fee (per statement cycle)$2

$1 below the national medianAt the Massachusetts median

per month · Source

Overdraft & NSFVerified

Insufficient Funds (NSF)$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Massachusetts median
Source

ATM & CardVerified

ATM/Visa® Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national medianAt the Massachusetts median
Source
Expedited Debit Card Delivery Fee$45Within the typical range ($30–$50 nationally)
$5 above the national median$5 below the Massachusetts median
Source

Wire TransfersVerified

Outgoing Wire Transfer - Domestic$30Above the typical range ($20–$25 nationally)
$5 above the national median$5 above the Massachusetts median
Source
Incoming Wire Transfers$15Within the typical range ($5–$15 nationally)
$5 above the national median$5 above the Massachusetts median
per year · Source
Outgoing Wire Transfer - Foreign$45Within the typical range ($40–$50 nationally)
$5 below the national medianAt the Massachusetts median
Source

Check ServicesVerified

Treasurers Check$8Above the typical range ($3–$6 nationally)
$3 above the national median$3 above the Massachusetts median
Source
Money Order$5Above the typical range ($1.50–$3 nationally)
$3 above the national median$2 above the Massachusetts median
Source
Stop Payment Order$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$3.75 above the Massachusetts median
Source
Foreign Check Collections - All Other Items$30Above the typical range ($10–$25 nationally)
$10 above the national median$10 above the Massachusetts median
Source
Foreign Check Collections - Canadian Items$15Within the typical range ($10–$25 nationally)
$5 below the national median$5 below the Massachusetts median
Source
Copy of Check, Statement or Deposit Slip$5Within the typical range ($2–$5 nationally)
$2 above the national medianAt the Massachusetts median
Source

Digital & ElectronicVerified

Expedited Electronic Bill Payment$3Within the typical range ($0–$9.95 nationally)
$0.50 above the national median$3 above the Massachusetts median
Source

Cash & DepositVerified

Returned Deposited Item$6.84Below the typical range ($8–$25 nationally)
$8.16 below the national median$0.30 below the Massachusetts median
Source

Account ServicesVerified

Legal Processing - Government Levy$50Within the typical range ($30–$90 nationally)
At the national medianAt the Massachusetts median
Source
Legal Processing - Trustee Attachment or 1/2$25Below the typical range ($30–$90 nationally)
$25 below the national median$25 below the Massachusetts median
Source

Retirement & IRAVerified

IRA Annual Service Fee$15Within the typical range ($10–$25 nationally)
At the national medianAt the Massachusetts median
per year · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly Fee	$5Within the typical range ($4–$10 nationally)	$1 below the national median$1.75 below the Massachusetts median	per month	—	Source
Monthly Maintenance Fee	$25Above the typical range ($4–$10 nationally)	$19 above the national median$18.25 above the Massachusetts median	per month	—	Source
Monthly Maintenance Fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$6.75 below the Massachusetts median	per month	—	Source
Monthly Maintenance Fee	$15Above the typical range ($4–$10 nationally)	$9 above the national median$8.25 above the Massachusetts median	per month	—	Source
Monthly Maintenance Fee	$2.50Below the typical range ($4–$10 nationally)	$3.50 below the national median$4.25 below the Massachusetts median	per month	—	Source
Inactivity Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Massachusetts median	—	—	Source
Account Reconciliation (per hour)	$25Within the typical range ($11–$25 nationally)	$7.50 above the national medianAt the Massachusetts median	—	—	Source
Paper Statement Fee (per statement cycle)	$2Within the typical range ($2–$4.76 nationally)	$1 below the national medianAt the Massachusetts median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds (NSF)	$35Above the typical range ($25–$32 nationally)	$5 above the national median$5 above the Massachusetts median	—	—	Source
ATM & CardVerified
ATM/Visa® Debit Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national medianAt the Massachusetts median	—	—	Source
Expedited Debit Card Delivery Fee	$45
Wire TransfersVerified
Outgoing Wire Transfer - Domestic	$30Above the typical range ($20–$25 nationally)	$5 above the national median$5 above the Massachusetts median	—	—	Source
Incoming Wire Transfers	$15
Check ServicesVerified
Treasurers Check	$8Above the typical range ($3–$6 nationally)	$3 above the national median$3 above the Massachusetts median	—	—	Source
Money Order	$5
Digital & ElectronicVerified
Expedited Electronic Bill Payment	$3Within the typical range ($0–$9.95 nationally)	$0.50 above the national median$3 above the Massachusetts median	—	—	Source
Cash & DepositVerified
Returned Deposited Item	$6.84Below the typical range ($8–$25 nationally)	$8.16 below the national median$0.30 below the Massachusetts median	—	—	Source
Account ServicesVerified
Legal Processing - Government Levy	$50Within the typical range ($30–$90 nationally)	At the national medianAt the Massachusetts median	—	—	Source
Legal Processing - Trustee Attachment or 1/2	$25
Retirement & IRAVerified
IRA Annual Service Fee	$15Within the typical range ($10–$25 nationally)	At the national medianAt the Massachusetts median	per year	—	Source

Against Massachusetts banks

Monthly maintenance
$5.00
Of 22 others that publish it, 4 lower, 2 the same and 16 higher.

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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: $35

17% above the national median NSF fee

25 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$8.8B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$8.8B

Total deposits

$6.0B

Service charge income

$2.9M

Fee income ratio

4.1%

Return on assets

1.01%

Branches

Service charge income by quarter

Q2 2026$2.9M

Q1 2026$2.7M

Q4 2025$2.9M

Q3 2025$2.8M

Financial profile · Pro

Performance from regulator filings

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Based on 66,601 published fee entries from 3,618 institutions

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