Northern Bank & Trust Company

Headquarters: Woburn, Massachusetts
Charter: Bank
Assets: $3.4B
Fed district: Boston
Regulator: FDIC
Holding company: Northern Bancorp Inc.

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

Source: its fee schedule, read Oct 15, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
PLUS CHECKING $10 · Northern Premium Checking $20 · PREMIUM CHECKING $20
Compared at $20, the middle of its prices
Northern Bank & Trust Company: $10 to $20
Northern Bank & Trust Company: $10 to $20
U.S. median: no median
NSF / Returned Item
Northern Bank & Trust Company: $35
Northern Bank & Trust Company: $35
U.S. median: no median
Non-Network ATM
Compared at $1.25, the middle of its prices
Northern Bank & Trust Company: $0.50 to $2
Northern Bank & Trust Company: $0.50 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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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Among its peers

Northern Bank & Trust Company · $3.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$3.2B to $3.6B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Northern Bank & Trust Company(this institution)	Woburn, MA	$3.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Academy Bank, National Association	Kansas City, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Austin Bank, Texas National Association	Jacksonville, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banco do Brasil Americas	Miami, FL	$3.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BankFirst Financial Services	Columbus, MS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bankwell Bank	New Canaan, CT	$3.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Banterra Bank	Marion, IL	$3.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Exchange Bank	Santa Rosa, CA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fidelity Bank, National Association	Wichita, KS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Citizens Community Bank	Mansfield, PA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Community Bank	Bluefield, VA	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Dakota National Bank	Yankton, SD	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Western Trust Bank	Denver, CO	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Bank, National Association	Lafayette, LA	$3.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake Ridge Bank	Middleton, WI	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star National Bank	Pharr, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Manasquan Bank	Manasquan, NJ	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MVB Bank, Inc	Fairmont, WV	$3.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North American Savings Bank, F.S.B.	Grandview, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Oakstar Bank	Springfield, MO	$3.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Old Plank Trail Community Bank, National Association	New Lenox, IL	$3.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
STAR Financial Bank	Fort Wayne, IN	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Stearns Bank National Association	Saint Cloud, MN	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Union Savings Bank	Danbury, CT	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Unity Bank	Clinton, NJ	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WestStar Bank	El Paso, TX	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $12 (150%) above the median of similar-sized banks.

Compared at $20, the middle of its three prices, against a peer median of $8 among 18 publishing peers.

Its three checking prices are $10, $20 and $20.

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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Northern Bank & Trust Com…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Northern Bank & Trust Company’s own schedules, with a source for each figure.

Account Maintenance

2 monthly service charge$10
per month
3 monthly service charge$20
per month
Monthly service charge$20
per month
New Account Closure (within 120 days)$25
Account Inactivity Fee (charge initiated in the 13" month for all checking accounts with no activity)$5
per month
Research (per hour — $35.00 minimum charge)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Fee$35
Return Item Fee$35

ATM & Card

ATM Withdrawal Fee at non-Northern Bank locations$2
Balance Inquiry Fee at non-Northern Bank locations$0.50
Replacement Cards$10
Expedited Cards$30
International Transaction Fee (audience not stated, treated as personal)2%of the transaction

Wire Transfers

Outgoing Wire Fee (domestic)$25
Incoming Wire Fee$15
Outgoing Foreign Wire Fee$40

Check Services

Certified Checks$15
Official Checks!$5
Money Orders?$3
Stop Payment$30
Duplicate Documents (copy of deposit slip or paid check)$5

Account Services

Government Levy$100

Retirement & IRA

IRA annual fee$25
per year

Fee	Amount	Basis	Note
Account Maintenance
2 monthly service charge	$10	per month	None
3 monthly service charge	$20	per month	None
Monthly service charge	$20	per month	None
New Account Closure (within 120 days)	$25	Not stated	None
Account Inactivity Fee (charge initiated in the 13" month for all checking accounts with no activity)	$5	per month	None
Research (per hour — $35.00 minimum charge)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Fee	$35	Not stated	None
Return Item Fee	$35	Not stated	None
ATM & Card
ATM Withdrawal Fee at non-Northern Bank locations	$2	Not stated	None
Balance Inquiry Fee at non-Northern Bank locations	$0.50	Not stated	None
Replacement Cards	$10	Not stated	None
Expedited Cards	$30	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	2%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire Fee (domestic)	$25	Not stated	None
Incoming Wire Fee	$15	Not stated	None
Outgoing Foreign Wire Fee	$40	Not stated	None
Check Services
Certified Checks	$15	Not stated	None
Official Checks!	$5	Not stated	None
Money Orders?	$3	Not stated	None
Stop Payment	$30	Not stated	None
Duplicate Documents (copy of deposit slip or paid check)	$5	Not stated	None
Account Services
Government Levy	$100	Not stated	None
Retirement & IRA
IRA annual fee	$25	per year	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 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

Get an email when Northern Bank & Trust Company's nsf / returned item changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
PLUS CHECKING $10 · Northern Premium Checking $20 · PREMIUM CHECKING $20
Compared at $20, the middle of its prices
Northern Bank & Trust Company: $10 to $20
Northern Bank & Trust Company: $10 to $20
U.S. median: no median
NSF / Returned Item
Northern Bank & Trust Company: $35
Northern Bank & Trust Company: $35
U.S. median: no median
Non-Network ATM
Compared at $1.25, the middle of its prices
Northern Bank & Trust Company: $0.50 to $2
Northern Bank & Trust Company: $0.50 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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.

Among its peers

Northern Bank & Trust Company · $3.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$3.2B to $3.6B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Northern Bank & Trust Company(this institution)	Woburn, MA	$3.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Academy Bank, National Association	Kansas City, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Austin Bank, Texas National Association	Jacksonville, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banco do Brasil Americas	Miami, FL	$3.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BankFirst Financial Services	Columbus, MS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bankwell Bank	New Canaan, CT	$3.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Banterra Bank	Marion, IL	$3.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Exchange Bank	Santa Rosa, CA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fidelity Bank, National Association	Wichita, KS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Citizens Community Bank	Mansfield, PA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Community Bank	Bluefield, VA	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Dakota National Bank	Yankton, SD	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Western Trust Bank	Denver, CO	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Bank, National Association	Lafayette, LA	$3.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake Ridge Bank	Middleton, WI	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star National Bank	Pharr, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Manasquan Bank	Manasquan, NJ	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MVB Bank, Inc	Fairmont, WV	$3.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North American Savings Bank, F.S.B.	Grandview, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Oakstar Bank	Springfield, MO	$3.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Old Plank Trail Community Bank, National Association	New Lenox, IL	$3.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
STAR Financial Bank	Fort Wayne, IN	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Stearns Bank National Association	Saint Cloud, MN	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Union Savings Bank	Danbury, CT	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Unity Bank	Clinton, NJ	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WestStar Bank	El Paso, TX	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $12 (150%) above the median of similar-sized banks.

Compared at $20, the middle of its three prices, against a peer median of $8 among 18 publishing peers.

Its three checking prices are $10, $20 and $20.

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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Northern Bank & Trust Com…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Northern Bank & Trust Company’s own schedules, with a source for each figure.

Account Maintenance

2 monthly service charge$10
per month
3 monthly service charge$20
per month
Monthly service charge$20
per month
New Account Closure (within 120 days)$25
Account Inactivity Fee (charge initiated in the 13" month for all checking accounts with no activity)$5
per month
Research (per hour — $35.00 minimum charge)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Fee$35
Return Item Fee$35

ATM & Card

ATM Withdrawal Fee at non-Northern Bank locations$2
Balance Inquiry Fee at non-Northern Bank locations$0.50
Replacement Cards$10
Expedited Cards$30
International Transaction Fee (audience not stated, treated as personal)2%of the transaction

Wire Transfers

Outgoing Wire Fee (domestic)$25
Incoming Wire Fee$15
Outgoing Foreign Wire Fee$40

Check Services

Certified Checks$15
Official Checks!$5
Money Orders?$3
Stop Payment$30
Duplicate Documents (copy of deposit slip or paid check)$5

Account Services

Government Levy$100

Retirement & IRA

IRA annual fee$25
per year

Fee	Amount	Basis	Note
Account Maintenance
2 monthly service charge	$10	per month	None
3 monthly service charge	$20	per month	None
Monthly service charge	$20	per month	None
New Account Closure (within 120 days)	$25	Not stated	None
Account Inactivity Fee (charge initiated in the 13" month for all checking accounts with no activity)	$5	per month	None
Research (per hour — $35.00 minimum charge)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Fee	$35	Not stated	None
Return Item Fee	$35	Not stated	None
ATM & Card
ATM Withdrawal Fee at non-Northern Bank locations	$2	Not stated	None
Balance Inquiry Fee at non-Northern Bank locations	$0.50	Not stated	None
Replacement Cards	$10	Not stated	None
Expedited Cards	$30	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	2%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire Fee (domestic)	$25	Not stated	None
Incoming Wire Fee	$15	Not stated	None
Outgoing Foreign Wire Fee	$40	Not stated	None
Check Services
Certified Checks	$15	Not stated	None
Official Checks!	$5	Not stated	None
Money Orders?	$3	Not stated	None
Stop Payment	$30	Not stated	None
Duplicate Documents (copy of deposit slip or paid check)	$5	Not stated	None
Account Services
Government Levy	$100	Not stated	None
Retirement & IRA
IRA annual fee	$25	per year	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 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.