Needham Bank

Headquarters: Needham, Massachusetts
Charter: Bank
Assets: $7.4B
Fed district: Boston

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

Source: its fee schedule, read Oct 27, 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 $12.50, the middle of its prices
Needham Bank: $0 to $25
Needham Bank: $0 to $25
U.S. median: no median
Overdraft (OD)
Needham Bank: $25
Needham Bank: $25
U.S. median: no median
NSF / Returned Item
Compared at $15, the middle of its prices
Needham Bank: $5 to $25
Needham Bank: $5 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 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 Needham Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance Service Charge$25
per month
Maintenance Service ChargeNo charge
Account Research (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Charge – Paid$25
Insufficient Funds Charge – Returned$5
Insufficient Funds Charge – Returned$25

ATM & Card

Debit Card Replacement$5
Debit Card Rush Fee$62

Wire Transfers

### Wire Transfer Fee: Outgoing – Domestic$25
### Wire Transfer Fee: Outgoing – Foreign$40
### Wire Transfer Fee: Incoming – Foreign$15

Check Services

Money Orders – Customers Only – Two Free per day; thereafter$2
Not compared: Daily charge, not per item
per day
Stop Payment$5
Stop Payment$25
Check Copy$5
per item

Account Services

Notary PublicNo charge
Drilling$225
Not compared: Box drilling or key fee
Late Payment (after 30 days)$10
Not compared: Box drilling or key fee
Replacement Key$10
Not compared: Box drilling or key fee
Replacement Key$25
Not compared: Box drilling or key fee
Size – Annual Fee 2×5$50
per year
Attachment/Levy (per account)$25

Lending Fees

Late Payment (after 30 days)$10

Other Fees

Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Service Charge	$25	per month	None
Maintenance Service Charge	No charge	Not stated	None
Account Research (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Charge – Paid	$25	Not stated	None
Insufficient Funds Charge – Returned	$5	Not stated	None
Insufficient Funds Charge – Returned	$25	Not stated	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Debit Card Rush Fee	$62	Not stated	None
Wire Transfers
### Wire Transfer Fee: Outgoing – Domestic	$25	Not stated	None
### Wire Transfer Fee: Outgoing – Foreign	$40	Not stated	None
### Wire Transfer Fee: Incoming – Foreign	$15	Not stated	None
Check Services
Money Orders – Customers Only – Two Free per day; thereafter	$2Not compared: Daily charge, not per item	per day	None
Stop Payment	$5	Not stated	None
Stop Payment	$25	Not stated	None
Check Copy	$5	per item	None
Account Services
Notary Public	No charge	Not stated	None
Drilling	$225Not compared: Box drilling or key fee	Not stated	None
Late Payment (after 30 days)	$10Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$25Not compared: Box drilling or key fee	Not stated	None
Size – Annual Fee 2×5	$50	per year	None
Attachment/Levy (per account)	$25	Not stated	None
Lending Fees
Late Payment (after 30 days)	$10	Not stated	None
Other Fees
Statement Copy	$5	per item	None

Correct a fee source

Oct 27, 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

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