Northern Bank & Trust Company

Headquarters: Woburn, Massachusetts
Charter: Bank
Assets: $3.4B
Fed district: Boston

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

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

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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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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.

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