Salem Five Cents Savings Bank

Headquarters: Salem, Massachusetts
Charter: Bank
Assets: $8.8B
Fed district: Boston

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

Source: its fee schedule, read Oct 23, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Compared at $3.75, the middle of its prices
Salem Five Cents Savings Bank: $0 to $25
Salem Five Cents Savings Bank: $0 to $25
U.S. median: no median
NSF / Returned Item
Salem Five Cents Savings Bank: $35
Salem Five Cents Savings Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Salem Five Cents Savings Bank: $30
Salem Five Cents Savings Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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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Among its peers

Salem Five Cents Savings Bank · $8.8B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$7.7B to $9.9B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Salem Five Cents Savings Bank(this institution)	Salem, MA	$8.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
1st Source Bank	South Bend, IN	$9.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Amalgamated Bank	New York, NY	$9.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Savings Bank, National Association	Honolulu, HI	$9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
b1BANK	Baton Rouge, LA	$8.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bangor Savings Bank	Bangor, ME	$7.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bankers Trust Company	Des Moines, IA	$7.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Byline Bank	Chicago, IL	$9.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capitol Federal Savings Bank	Topeka, KS	$9.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
CNB Bank	Clearfield, PA	$8.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Equity Bank	Andover, KS	$7.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First American Bank	Elk Grove Village, IL	$8.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Security Bank	Searcy, AR	$8.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Forbright Bank	Potomac, MD	$8.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hanmi Bank	Los Angeles, CA	$8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank	Olympia, WA	$8.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Liberty Bank	Middletown, CT	$9.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank	Marietta, OH	$9.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pinnacle Bank	Lincoln, NE	$9.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Principal Bank	Des Moines, IA	$9.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
RBC Bank, (Georgia) National Association	Atlanta, GA	$9.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southside Bank	Tyler, TX	$8.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Stockman Bank of Montana	Miles City, MT	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tompkins Community Bank	Ithaca, NY	$8.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wells Fargo National Bank West	Las Vegas, NV	$8.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Woodforest National Bank	The Woodlands, TX	$9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $6.25 (63%) below the median of similar-sized banks.

Compared at $3.75, the middle of its four prices, against a peer median of $10 among 17 publishing peers.

Its four checking prices are $0, $2.50, $5 and $25.

$3.75 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Salem Five Cents Savings…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Monthly Fee$5
per month
Monthly Maintenance FeeNo charge
per month
Monthly Maintenance Fee$2.50
per month
Monthly Maintenance Fee$25
per month
Inactivity Fee$5
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (per statement cycle)$2
per month

Overdraft & NSF

Insufficient Funds (NSF)$35

ATM & Card

ATM/Visa® Debit Card Replacement$10
Expedited Debit Card Delivery Fee$45

Wire Transfers

Outgoing Wire Transfer - Domestic$30
Incoming Wire Transfers$15
Not compared: Annual charge, not per item
per year
Outgoing Wire Transfer - Foreign$45

Check Services

Treasurers Check$8
Money Order$5
Stop Payment Order$30
Foreign Check Collections - All Other Items$30
Foreign Check Collections - Canadian Items$15
Copy of Check, Statement or Deposit Slip$5

Digital & Electronic

Expedited Electronic Bill Payment$3

Cash & Deposit

Returned Deposited Item$6.84

Account Services

Legal Processing - Government Levy$50
Legal Processing - Trustee Attachment or 1/2$25

Retirement & IRA

IRA Annual Service Fee$15
per year

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$5	per month	None
Monthly Maintenance Fee	No charge	per month	None
Monthly Maintenance Fee	$2.50	per month	None
Monthly Maintenance Fee	$25	per month	None
Inactivity Fee	$5	Not stated	None
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (per statement cycle)	$2	per month	None
Overdraft & NSF
Insufficient Funds (NSF)	$35	Not stated	None
ATM & Card
ATM/Visa® Debit Card Replacement	$10	Not stated	None
Expedited Debit Card Delivery Fee	$45	Not stated	None
Wire Transfers
Outgoing Wire Transfer - Domestic	$30	Not stated	None
Incoming Wire Transfers	$15Not compared: Annual charge, not per item	per year	None
Outgoing Wire Transfer - Foreign	$45	Not stated	None
Check Services
Treasurers Check	$8	Not stated	None
Money Order	$5	Not stated	None
Stop Payment Order	$30	Not stated	None
Foreign Check Collections - All Other Items	$30	Not stated	None
Foreign Check Collections - Canadian Items	$15	Not stated	None
Copy of Check, Statement or Deposit Slip	$5	Not stated	None
Digital & Electronic
Expedited Electronic Bill Payment	$3	Not stated	None
Cash & Deposit
Returned Deposited Item	$6.84	Not stated	None
Account Services
Legal Processing - Government Levy	$50	Not stated	None
Legal Processing - Trustee Attachment or 1/2	$25	Not stated	None
Retirement & IRA
IRA Annual Service Fee	$15	per year	None

Correct a fee source

Oct 23, 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.

Fee change alerts

Get an email when Salem Five Cents Savings Bank's nsf / returned item changes in our data

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Fees against the market

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

Monthly Maintenance
Compared at $3.75, the middle of its prices
Salem Five Cents Savings Bank: $0 to $25
Salem Five Cents Savings Bank: $0 to $25
U.S. median: no median
NSF / Returned Item
Salem Five Cents Savings Bank: $35
Salem Five Cents Savings Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Salem Five Cents Savings Bank: $30
Salem Five Cents Savings Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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.

Among its peers

Salem Five Cents Savings Bank · $8.8B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$7.7B to $9.9B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Salem Five Cents Savings Bank(this institution)	Salem, MA	$8.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
1st Source Bank	South Bend, IN	$9.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Amalgamated Bank	New York, NY	$9.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Savings Bank, National Association	Honolulu, HI	$9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
b1BANK	Baton Rouge, LA	$8.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bangor Savings Bank	Bangor, ME	$7.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bankers Trust Company	Des Moines, IA	$7.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Byline Bank	Chicago, IL	$9.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capitol Federal Savings Bank	Topeka, KS	$9.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
CNB Bank	Clearfield, PA	$8.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Equity Bank	Andover, KS	$7.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First American Bank	Elk Grove Village, IL	$8.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Security Bank	Searcy, AR	$8.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Forbright Bank	Potomac, MD	$8.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hanmi Bank	Los Angeles, CA	$8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank	Olympia, WA	$8.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Liberty Bank	Middletown, CT	$9.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank	Marietta, OH	$9.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pinnacle Bank	Lincoln, NE	$9.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Principal Bank	Des Moines, IA	$9.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
RBC Bank, (Georgia) National Association	Atlanta, GA	$9.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southside Bank	Tyler, TX	$8.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Stockman Bank of Montana	Miles City, MT	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tompkins Community Bank	Ithaca, NY	$8.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wells Fargo National Bank West	Las Vegas, NV	$8.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Woodforest National Bank	The Woodlands, TX	$9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $6.25 (63%) below the median of similar-sized banks.

Compared at $3.75, the middle of its four prices, against a peer median of $10 among 17 publishing peers.

Its four checking prices are $0, $2.50, $5 and $25.

$3.75 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Salem Five Cents Savings…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Monthly Fee$5
per month
Monthly Maintenance FeeNo charge
per month
Monthly Maintenance Fee$2.50
per month
Monthly Maintenance Fee$25
per month
Inactivity Fee$5
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (per statement cycle)$2
per month

Overdraft & NSF

Insufficient Funds (NSF)$35

ATM & Card

ATM/Visa® Debit Card Replacement$10
Expedited Debit Card Delivery Fee$45

Wire Transfers

Outgoing Wire Transfer - Domestic$30
Incoming Wire Transfers$15
Not compared: Annual charge, not per item
per year
Outgoing Wire Transfer - Foreign$45

Check Services

Treasurers Check$8
Money Order$5
Stop Payment Order$30
Foreign Check Collections - All Other Items$30
Foreign Check Collections - Canadian Items$15
Copy of Check, Statement or Deposit Slip$5

Digital & Electronic

Expedited Electronic Bill Payment$3

Cash & Deposit

Returned Deposited Item$6.84

Account Services

Legal Processing - Government Levy$50
Legal Processing - Trustee Attachment or 1/2$25

Retirement & IRA

IRA Annual Service Fee$15
per year

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$5	per month	None
Monthly Maintenance Fee	No charge	per month	None
Monthly Maintenance Fee	$2.50	per month	None
Monthly Maintenance Fee	$25	per month	None
Inactivity Fee	$5	Not stated	None
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (per statement cycle)	$2	per month	None
Overdraft & NSF
Insufficient Funds (NSF)	$35	Not stated	None
ATM & Card
ATM/Visa® Debit Card Replacement	$10	Not stated	None
Expedited Debit Card Delivery Fee	$45	Not stated	None
Wire Transfers
Outgoing Wire Transfer - Domestic	$30	Not stated	None
Incoming Wire Transfers	$15Not compared: Annual charge, not per item	per year	None
Outgoing Wire Transfer - Foreign	$45	Not stated	None
Check Services
Treasurers Check	$8	Not stated	None
Money Order	$5	Not stated	None
Stop Payment Order	$30	Not stated	None
Foreign Check Collections - All Other Items	$30	Not stated	None
Foreign Check Collections - Canadian Items	$15	Not stated	None
Copy of Check, Statement or Deposit Slip	$5	Not stated	None
Digital & Electronic
Expedited Electronic Bill Payment	$3	Not stated	None
Cash & Deposit
Returned Deposited Item	$6.84	Not stated	None
Account Services
Legal Processing - Government Levy	$50	Not stated	None
Legal Processing - Trustee Attachment or 1/2	$25	Not stated	None
Retirement & IRA
IRA Annual Service Fee	$15	per year	None

Correct a fee source

Oct 23, 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.