PeoplesBank

Headquarters: Holyoke, Massachusetts
Charter: Bank
Assets: $4.6B
Fed district: Boston

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

Source: its fee schedule, read Oct 14, 2026.

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Fees against the market

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

Monthly Maintenance
Choice Checking $10 · Interest Checking $20
Compared at $15, the middle of its prices
PeoplesBank: $10 to $20
PeoplesBank: $10 to $20
U.S. median: no median
Overdraft (OD)
PeoplesBank: $34
PeoplesBank: $34
U.S. median: no median
Non-Network ATM
PeoplesBank: $3
PeoplesBank: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 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 PeoplesBank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance Service Charges (Choice Checking)$10
per month
Maintenance Service Charges (Interest Checking)$20
per month
Early Account Closure Fee$25
Escheatment Fee - per account or such lesser rate as may be set by law$25
Account Research$25
per item · Per hour
Account Research Fee: Hourly Rate$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee: Per Item$5
per item
Checkbook Reconciliation, per hour$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$34
per item · Customers 55 and younger and 65 and older are eligible for reduced overdraft fee of $5.00. Eligibility for the reduced overdraft fee is based on the primary account holder's age and the account type.
Overdraft Fee set forth in our Fee Schedule$34
Paid Item Overdraft Fee$34

ATM & Card

ATM Inquiry, Transfer or Withdrawal Fee$3
Non-PeoplesBank and non-Allpoint ATM charge (Free Checking)$3
per transaction
Debit Card Replacement Fee$10
Debit Card Replacement- Rush Fee$40
International Service Assessment1%of the transaction

Wire Transfers

Wire Fee: Outgoing Domestic$30
Wire Fee: Incoming Domestic$15
Wire Fee: Outgoing Intl$60
Wire Fee: Incoming Intl$20

Check Services

Official Check Fee$6
Money Orders$5
per item
Stop Payment Fee - all items, including ACH and bill pay$30
Collection Item Fee$20

Cash & Deposit

Returned Deposited Item$6.84

Retirement & IRA

IRA Transfer Fee - Includes account closure$50

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Service Charges (Choice Checking)	$10	per month	None
Maintenance Service Charges (Interest Checking)	$20	per month	None
Early Account Closure Fee	$25	Not stated	None
Escheatment Fee - per account or such lesser rate as may be set by law	$25	Not stated	None
Account Research	$25	per item	Per hour
Account Research Fee: Hourly Rate	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee: Per Item	$5	per item	None
Checkbook Reconciliation, per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$34	per item	Customers 55 and younger and 65 and older are eligible for reduced overdraft fee of $5.00. Eligibility for the reduced overdraft fee is based on the primary account holder's age and the account type.
Overdraft Fee set forth in our Fee Schedule	$34	Not stated	None
Paid Item Overdraft Fee	$34	Not stated	None
ATM & Card
ATM Inquiry, Transfer or Withdrawal Fee	$3	Not stated	None
Non-PeoplesBank and non-Allpoint ATM charge (Free Checking)	$3	per transaction	None
Debit Card Replacement Fee	$10	Not stated	None
Debit Card Replacement- Rush Fee	$40	Not stated	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Wire Fee: Outgoing Domestic	$30	Not stated	None
Wire Fee: Incoming Domestic	$15	Not stated	None
Wire Fee: Outgoing Intl	$60	Not stated	None
Wire Fee: Incoming Intl	$20	Not stated	None
Check Services
Official Check Fee	$6	Not stated	None
Money Orders	$5	per item	None
Stop Payment Fee - all items, including ACH and bill pay	$30	Not stated	None
Collection Item Fee	$20	Not stated	None
Cash & Deposit
Returned Deposited Item	$6.84	Not stated	None
Retirement & IRA
IRA Transfer Fee - Includes account closure	$50	Not stated	None

Correct a fee source

Oct 14, 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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