Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

North Cambridge Co-operative Bank

Cambridge, MassachusettsBankBoston Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Abandoned Property Fee$25Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Insufficient Funds Charge$22.50Below the typical range ($25–$31 nationally)
$7.50 below the national median
Source
Overdraft Protection Trans Fee (per daily transfer)$5Within the typical range ($3–$5 nationally)
At the national median
per day · Source
Returned Check Charge$5Below the typical range ($25–$31 nationally)
$25 below the national median
Source

ATM & CardVerified

Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source
Per ATM Withdrawal Service Charge$0.75Below the typical range ($1–$2.50 nationally)
$0.88 below the national median
Source

Wire TransfersVerified

Incoming Wire$10Within the typical range ($5–$15 nationally)
At the national median
Source
Outgoing Wire$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Bank Check$5Within the typical range ($3–$5 nationally)
At the national median
Source
Bank Check$3Within the typical range ($3–$5 nationally)
$2 below the national median
Source
Money Order$5Above the typical range ($1.50–$3 nationally)
$3 above the national median
Source
Money Orders$2Within the typical range ($1.50–$3 nationally)
At the national median
Source
Money Orders (Senior Citizens per check)$1Below the typical range ($1.50–$3 nationally)
$1 below the national median
per item · Source
Stop Payment Fee ‐ checks & direct debits$22.50Within the typical range ($20–$30 nationally)
$2.50 below the national median
Source

Account ServicesVerified

Notary Fee (non-customers)$1.25Within the typical range ($0–$5 nationally)
$1.25 below the national median
Source
Tax Levy Fee$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Abandoned Property Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Maintenance Service Charge	$1Below the typical range ($3–$10 nationally)	$5 below the national median	—	—	Source
Maintenance Service Charge	$3Within the typical range ($3–$10 nationally)	$3 below the national median	—	—	Source
Overdraft & NSFVerified
Insufficient Funds Charge	$22.50Below the typical range ($25–$31 nationally)	$7.50 below the national median	—	—	Source
Overdraft Protection Trans Fee (per daily transfer)	$5
ATM & CardVerified
Debit Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Per ATM Withdrawal Service Charge	$0.75
Wire TransfersVerified
Incoming Wire	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Outgoing Wire	$20Within the typical range ($20–$25 nationally)
Check ServicesVerified
Bank Check	$5Within the typical range ($3–$5 nationally)	At the national median	—	—	Source
Bank Check	$3Within the typical range ($3–$5 nationally)
Account ServicesVerified
Notary Fee (non-customers)	$1.25Within the typical range ($0–$5 nationally)	$1.25 below the national median	—	—	Source
Tax Levy Fee	$25Below the typical range ($30–$75 nationally)
Other FeesVerified
Interim Statement	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $22.50

25% below the national median NSF fee

Total fees: 19 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$87.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$87.1M

Total deposits

$60.3M

Service charge income

$5K

Fee income ratio

0.83%

Return on assets

1.20%

Branches

Service charge income by quarter

Q2 2026$5K

Q1 2026$5K

Q4 2025$5K

Q3 2025$5K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 32,718 verified fees from 2,439 institutions

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