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

New Account Closure (within 120 days)$25Within the typical range ($10–$25 nationally)

ATM & CardVerified

ATM Withdrawal Fee at non-Northern Bank locations$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national median$0.50 above the Massachusetts median
Source
Balance Inquiry Fee at non-Northern Bank locations$0.50Below the typical range ($1–$2.25 nationally)
$1 below the national median$1 below the Massachusetts median
Source
Replacement Cards$10Within the typical range ($5–$10 nationally)
At the national medianAt the Massachusetts median
Source
Expedited Cards$30Within the typical range ($30–$50 nationally)
$10 below the national median$20 below the Massachusetts median
Source

Wire TransfersVerified

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

Check ServicesVerified

Certified Checks$15Above the typical range ($3–$6 nationally)
$10 above the national median$10 above the Massachusetts median
Source
Official Checks!$5Within the typical range ($3–$6 nationally)
At the national medianAt the Massachusetts median
Source
Money Orders?$3Within the typical range ($1.50–$3 nationally)
$1 above the national medianAt the Massachusetts median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$3.75 above the Massachusetts median
Source
Duplicate Documents (copy of deposit slip or paid check)$5Within the typical range ($2–$5 nationally)
$2 above the national medianAt the Massachusetts median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
New Account Closure (within 120 days)	$25Within the typical range ($10–$25 nationally)	$7.50 above the national median$10 above the Massachusetts median	—	—	Source
Account Inactivity Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Massachusetts median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds Fee	$35Above the typical range ($25–$32 nationally)	$5 above the national median$5 above the Massachusetts median	—	—	Source
ATM & CardVerified
ATM Withdrawal Fee at non-Northern Bank locations	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national median$0.50 above the Massachusetts median	—	—	Source
Balance Inquiry Fee at non-Northern Bank locations	$0.50
Wire TransfersVerified
Outgoing Wire Fee (domestic)	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Massachusetts median	—	—	Source
Incoming Wire Fee	$15
Check ServicesVerified
Certified Checks	$15Above the typical range ($3–$6 nationally)	$10 above the national median$10 above the Massachusetts median	—	—	Source
Official Checks!	$5
Account ServicesVerified
Government Levy	$100Above the typical range ($30–$90 nationally)	$50 above the national median$50 above the Massachusetts median	—	—	Source

Fee change alerts

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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: $35

17% above the national median NSF fee

16 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$3.4B

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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

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 66,435 published fee entries from 3,614 institutions

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