Cambridge Savings Bank

Headquarters: Cambridge, Massachusetts
Charter: Bank
Assets: $7.0B
Fed district: Boston

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

Source: its fee schedule, read Nov 2, 2026.

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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 $7.50, the middle of its prices
Cambridge Savings Bank: $1 to $20
Cambridge Savings Bank: $1 to $20
U.S. median: no median
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Cambridge Savings Bank: $5 to $25
Cambridge Savings Bank: $5 to $25
U.S. median: no median
NSF / Returned Item
Compared at $5, the middle of its prices
Cambridge Savings Bank: $0 to $35
Cambridge Savings Bank: $0 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 Cambridge Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee$1
per month
Monthly Maintenance Service Charge$5
per month
Monthly Maintenance Service Charge$10
per month
Monthly Maintenance Service Charge$20
per month
Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft (OD)$5
Paid Item$25
Insufficient Funds (NSF)/Uncollected$35
NSF/UCF/EFT$5
Returned itemsNo charge

ATM & Card

Re-Issue Card: Branch$10
Re-Issue Card: Expedited Mail (domestic)$25
International ATM & Point of Sale (POS) Transactions (per transaction) (audience not stated, treated as personal)0.75%
per transaction

Wire Transfers

Outgoing (per wire transfer)$25
per item
Outgoing (per wire transfer)$40
per item
Incoming (per wire transfer)$12
per item
Foreign Wire Transfers Outgoing (per wire transfer)$40
per item
Foreign Wire Transfers Incoming (per wire transfer)$12
per item

Check Services

Treasurer’s Checks$6
Money Orders$4
Stop Payment$30
Stop Payment (per item)$30
per item
Canadian Check Collection$25
Canadian Check Collection (per item, plus other bank’s fees)$25
per item
Foreign Check Collection$40
per item

Digital & Electronic

BillPay Service Rush Delivery (per overnight payment by ACH)$7
Not compared: Per-occurrence charge, not monthly
per item
BillPay Service Rush Delivery (per overnight payment by check)$30

Account Services

Levy Processing$75

Retirement & IRA

Traditional and Roth IRA Plan Annual Fee$15
per year

Other Fees

Copy of any Document$3
Research (per hour, including statement copies)$25
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$1	per month	None
Monthly Maintenance Service Charge	$5	per month	None
Monthly Maintenance Service Charge	$10	per month	None
Monthly Maintenance Service Charge	$20	per month	None
Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft (OD)	$5	Not stated	None
Paid Item	$25	Not stated	None
Insufficient Funds (NSF)/Uncollected	$35	Not stated	None
NSF/UCF/EFT	$5	Not stated	None
Returned items	No charge	Not stated	None
ATM & Card
Re-Issue Card: Branch	$10	Not stated	None
Re-Issue Card: Expedited Mail (domestic)	$25	Not stated	None
International ATM & Point of Sale (POS) Transactions (per transaction) (audience not stated, treated as personal)	0.75%	per transaction	None
Wire Transfers
Outgoing (per wire transfer)	$25	per item	None
Outgoing (per wire transfer)	$40	per item	None
Incoming (per wire transfer)	$12	per item	None
Foreign Wire Transfers Outgoing (per wire transfer)	$40	per item	None
Foreign Wire Transfers Incoming (per wire transfer)	$12	per item	None
Check Services
Treasurer’s Checks	$6	Not stated	None
Money Orders	$4	Not stated	None
Stop Payment	$30	Not stated	None
Stop Payment (per item)	$30	per item	None
Canadian Check Collection	$25	Not stated	None
Canadian Check Collection (per item, plus other bank’s fees)	$25	per item	None
Foreign Check Collection	$40	per item	None
Digital & Electronic
BillPay Service Rush Delivery (per overnight payment by ACH)	$7Not compared: Per-occurrence charge, not monthly	per item	None
BillPay Service Rush Delivery (per overnight payment by check)	$30	Not stated	None
Account Services
Levy Processing	$75	Not stated	None
Retirement & IRA
Traditional and Roth IRA Plan Annual Fee	$15	per year	None
Other Fees
Copy of any Document	$3	Not stated	None
Research (per hour, including statement copies)	$25Not compared: Charged per hour; comparison unavailable	per hour	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

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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