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, $1B to $10B

Northern Bank & Trust Company

Woburn, MassachusettsBankBoston Fed districtFees collected Oct 6, 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

Account Inactivity Fee (charge initiated in the 13" month for all checking accounts with no activity)$5Within the typical range ($5–$10 nationally)

New Account Closure (within 120 days)$25

$10 above the national median

Source

Overdraft & NSFVerified

Insufficient Funds Fee$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
Source

ATM & CardVerified

ATM Withdrawal Fee at non-Northern Bank locations$2Within the typical range ($1–$2.50 nationally)
$0.08 above the national median
Source
Expedited Cards$30Within the typical range ($30–$50 nationally)
$10 below the national median
Source
Replacement Cards$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Incoming Wire Fee$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Outgoing Foreign Wire Fee$40Within the typical range ($40–$50 nationally)
$10 below the national median
Source
Outgoing Wire Fee (domestic)$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Certified Checks$15Above the typical range ($3–$5.50 nationally)
$10 above the national median
Source
Duplicate Documents (copy of deposit slip or paid check)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Money Orders?$3Within the typical range ($1.69–$3 nationally)
$1 above the national median
Source
Official Checks!$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$3 above the national median
Source

Account ServicesVerified

Balance Inquiry Fee at non-Northern Bank locations$0.50Below the typical range ($1–$2 nationally)
$0.50 below the national median
Source
Government Levy$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Inactivity Fee (charge initiated in the 13" month for all checking accounts with no activity)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
New Account Closure (within 120 days)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Overdraft & NSFVerified
Insufficient Funds Fee	$35Above the typical range ($25–$31.50 nationally)	$5 above the national median	—	—	Source
ATM & CardVerified
ATM Withdrawal Fee at non-Northern Bank locations	$2Within the typical range ($1–$2.50 nationally)	$0.08 above the national median	—	—	Source
Expedited Cards	$30
Wire TransfersVerified
Incoming Wire Fee	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Outgoing Foreign Wire Fee	$40
Check ServicesVerified
Certified Checks	$15Above the typical range ($3–$5.50 nationally)	$10 above the national median	—	—	Source
Duplicate Documents (copy of deposit slip or paid check)	$5
Account ServicesVerified
Balance Inquiry Fee at non-Northern Bank locations	$0.50Below the typical range ($1–$2 nationally)	$0.50 below the national median	—	—	Source
Government Levy	$100

Fee change alerts

Get an email when Northern Bank & Trust Company changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Northern Bank & Trust Company? Request a report against local competitors

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: $35

17% above the national median NSF fee

Total fees: 16 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$3.4B

Work at Northern Bank & Trust Company? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$3.4B

Total deposits

$2.8B

Service charge income

$459K

Fee income ratio

1.1%

Return on assets

2.01%

Branches

Service charge income by quarter

Q2 2026$459K

Q1 2026$434K

Q4 2025$401K

Q3 2025$403K

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 39,573 published fee entries from 2,758 institutions

See pricing