15 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 27, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $15, the middle of its prices
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Needham Bank · $7.4B 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Needham Bank(this institution) | Needham, MA | $7.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpine Bank | Glenwood Springs, CO | $6.7B | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| Bank of Colorado | Fort Collins, CO | $7.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Cambridge Savings Bank | Cambridge, MA | $7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Pacific Bank | Honolulu, HI | $7.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Trust Bank, Inc. | Pikeville, KY | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 Bank | St. Louis, MO | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of America | East Lansing, MI | $6.8B | Monthly maintenance not published | Out-of-network ATM not published | 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 |
| Intrust Bank, National Association | Wichita, KS | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Johnson Bank | Racine, WI | $7.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kearny Bank | Kearny, NJ | $7.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake City Bank | Warsaw, IN | $7.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northpointe Bank | Grand Rapids, MI | $7.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ocean Bank | Miami, FL | $7.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pathward, National Association | Sioux Falls, SD | $7.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Republic Bank & Trust Company | Louisville, KY | $7.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ridgewood Savings Bank | Ridgewood, NY | $7.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| TBK BANK, SSB | Dallas, TX | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Camden National Bank | Camden, ME | $6.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers National Bank of Canfield | Canfield, OH | $7.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Washington Trust Company, of Westerly | Westerly, RI | $6.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $7.50 among 19 publishing peers.
Its two checking prices are $0 and $25.
$12.50 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 1, 2026. Total assets from FDIC and NCUA records.
Amounts from Needham Bank’s own schedules, with a source for each figure.
per year
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 |
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
We check once a day and send one email covering every change.