Middlesex Savings Bank

Headquarters: Natick, Massachusetts
Charter: Bank
Assets: $6.1B
Fed district: Boston

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

Source: its fee schedule, read Oct 7, 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 $17, the middle of its prices
Middlesex Savings Bank: $0 to $29
Middlesex Savings Bank: $0 to $29
U.S. median: no median
NSF / Returned Item
Middlesex Savings Bank: $35
Middlesex Savings Bank: $35
U.S. median: no median
Non-Network ATM
Middlesex Savings Bank: $3
Middlesex Savings Bank: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 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 Middlesex Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Charge$29
per month
Monthly Maintenance ChargeNo charge
per month
Monthly Maintenance Charge$19
per month
NOW Checking Monthly Maintenance Charge$15
per month
Abandoned Property Fee$25
Account Inactivity Fee$6
per month
FREEDOM Gold®: Account Inactivity Fee$5
per month
History/Check Clearing Inquiry$3
per item · Per request
Reconciliation/Research$30

Overdraft & NSF

Insufficient Funds Charge$35
OD Protection Transfer$6
Overdraft Transfer Fee$6
per item · Overdraft Protection Line of Credit

ATM & Card

ATM Service Charge$3
Card Replacement$10

Wire Transfers

Outgoing Domestic Wire Fee$27
Outgoing Foreign Wire Fee (U.S. Dollars/ Foreign Funds)$45
Incoming Domestic / Foreign Wire Fee (1) (3)$20

Check Services

Treasurer’s Checks$8
per item
Money Orders$5
per item
FREEDOM Platinum: Stop Payment$30
Stop Payment Fee$32
Temporary Check$1
per item
Canadian Check in U.S. or CAD Funds$15
per item
Check Copy$5
per item

Digital & Electronic

Bill Payment ServicesNo charge

Account Services

1 x 4.5 up to 2 x 5$40
per year
Safe Deposit Box 1 x 4.5 up to 2 x 5$40
per year
Safe Deposit Box 10 x 10$215
per item
Safe Deposit Box 10 x 10$215
per year
Safe Deposit Box 2.5 x 5$45
per year
Safe Deposit Box 3 x 10$95
per year
Safe Deposit Box 3 x 10$95
per item
Safe Deposit Box 3 x 5$55
per year
Safe Deposit Box 3 x 5$55
per item
Safe Deposit Box 4 x 10$100
per item
Safe Deposit Box 4 x 10$100
per year
Safe Deposit Box 4 x 5$60
per year
Safe Deposit Box 4 x 5$60
per item
Safe Deposit Box 5 x 10$135
per item
Safe Deposit Box 5 x 10$135
per year
Safe Deposit Box 5 x 5$75
per item
Safe Deposit Box 5 x 5$75
per year
Safe Deposit Box 6 x 10$135
per item
Safe Deposit Box 7 x 10$135
per item
Safe Deposit Box 8 x 10$155
per item
Safe Deposit Box 8 x 10$155
per year
Safe Deposit Box Key (Lost)$30
Not compared: Box drilling or key fee
Safe Deposit Box Late Charge Assessment$15
Not compared: Box drilling or key fee
per item
Safe Deposit Box Late Fee$15
Not compared: Box drilling or key fee
SAFE DEPOSIT BOXES: 2.5 x 5$45
per item
Safe Deposit Drilling$250
Not compared: Box drilling or key fee
Tax Levy (per account)$75
Tax Levy Fee (per account)$110

Other Fees

Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Charge	$29	per month	None
Monthly Maintenance Charge	No charge	per month	None
Monthly Maintenance Charge	$19	per month	None
NOW Checking Monthly Maintenance Charge	$15	per month	None
Abandoned Property Fee	$25	Not stated	None
Account Inactivity Fee	$6	per month	None
FREEDOM Gold®: Account Inactivity Fee	$5	per month	None
History/Check Clearing Inquiry	$3	per item	Per request
Reconciliation/Research	$30	Not stated	None
Overdraft & NSF
Insufficient Funds Charge	$35	Not stated	None
OD Protection Transfer	$6	Not stated	None
Overdraft Transfer Fee	$6	per item	Overdraft Protection Line of Credit
ATM & Card
ATM Service Charge	$3	Not stated	None
Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Fee	$27	Not stated	None
Outgoing Foreign Wire Fee (U.S. Dollars/ Foreign Funds)	$45	Not stated	None
Incoming Domestic / Foreign Wire Fee (1) (3)	$20	Not stated	None
Check Services
Treasurer’s Checks	$8	per item	None
Money Orders	$5	per item	None
FREEDOM Platinum: Stop Payment	$30	Not stated	None
Stop Payment Fee	$32	Not stated	None
Temporary Check	$1	per item	None
Canadian Check in U.S. or CAD Funds	$15	per item	None
Check Copy	$5	per item	None
Digital & Electronic
Bill Payment Services	No charge	Not stated	None
Account Services
1 x 4.5 up to 2 x 5	$40	per year	None
Safe Deposit Box 1 x 4.5 up to 2 x 5	$40	per year	None
Safe Deposit Box 10 x 10	$215	per item	None
Safe Deposit Box 10 x 10	$215	per year	None
Safe Deposit Box 2.5 x 5	$45	per year	None
Safe Deposit Box 3 x 10	$95	per year	None
Safe Deposit Box 3 x 10	$95	per item	None
Safe Deposit Box 3 x 5	$55	per year	None
Safe Deposit Box 3 x 5	$55	per item	None
Safe Deposit Box 4 x 10	$100	per item	None
Safe Deposit Box 4 x 10	$100	per year	None
Safe Deposit Box 4 x 5	$60	per year	None
Safe Deposit Box 4 x 5	$60	per item	None
Safe Deposit Box 5 x 10	$135	per item	None
Safe Deposit Box 5 x 10	$135	per year	None
Safe Deposit Box 5 x 5	$75	per item	None
Safe Deposit Box 5 x 5	$75	per year	None
Safe Deposit Box 6 x 10	$135	per item	None
Safe Deposit Box 7 x 10	$135	per item	None
Safe Deposit Box 8 x 10	$155	per item	None
Safe Deposit Box 8 x 10	$155	per year	None
Safe Deposit Box Key (Lost)	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Charge Assessment	$15Not compared: Box drilling or key fee	per item	None
Safe Deposit Box Late Fee	$15Not compared: Box drilling or key fee	Not stated	None
SAFE DEPOSIT BOXES: 2.5 x 5	$45	per item	None
Safe Deposit Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Tax Levy (per account)	$75	Not stated	None
Tax Levy Fee (per account)	$110	Not stated	None
Other Fees
Statement Copy	$5	per item	None

Correct a fee source

Oct 7, 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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