UniBank for Savings

Headquarters: Whitinsville, Massachusetts
Charter: Bank
Assets: $3.1B
Fed district: Boston
Regulator: FDIC
Holding company: Ufs Bancorp

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

Source: its fee schedule, read Oct 12, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 12, 2026

How these figures are measured

Call-report figures are for UniBank for Savings at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	UniBank for Savings's published fee schedule; Bank Fee Index medians	Current schedule	Oct 12, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: UniBank for Savings (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $449K in Q2 2026, 16% above the same quarter a year earlier ($387K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

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

Overdraft (OD)
UniBank for Savings: $33
UniBank for Savings: $33
U.S. median: no median
Non-Network ATM
UniBank for Savings: $1.50
UniBank for Savings: $1.50
U.S. median: no median
Foreign Transaction
UniBank for Savings: $5
UniBank for Savings: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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.

Fee income beside fee prices

Service-charge income rose 1.6% from Q3 2025 to Q2 2026, to $449K.

Service-charge income, Q2 2026

$449K

$442KQ3 2025

$448KQ4 2025

$443KQ1 2026

$449KQ2 2026

Against the median

UniBank for SavingsMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

UniBank for Savings · $3.1B 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
$2.9B to $3.3B 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
UniBank for Savings(this institution)	Whitinsville, MA	$3.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
BCB Community Bank	Bayonne, NJ	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CB&S Bank, Inc.	Russellville, AL	$3.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Centreville Bank	West Warwick, RI	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
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
Farmers Bank & Trust Company	Magnolia, AR	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	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 Federal Savings and Loan Association of Lakewood	Lakewood, OH	$2.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Fidelity Bank	Oklahoma City, OK	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	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
Lawrence Bank	Nashville, TN	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maine Community Bank	Portland, ME	$3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mascoma Bank	Lebanon, NH	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest BankCentre	Lemay, MO	$3.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Minnwest Bank	Redwood Falls, MN	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Monet Bank	Plano, TX	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	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
Northwest Bank	Spencer, IA	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Penn Community Bank	Doylestown, PA	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Susser Bank	Dallas, TX	$3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
U. S. Century Bank	Doral, FL	$3B	Monthly maintenance not published	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 · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

UniBank for Savings does not publish a monthly maintenance fee in the index.

The peer median is $8 among 17 publishing peers.

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

UniBank for Savings does not publish a monthly maintenance fee, so it is not on this chart.

UniBank for SavingsPeer (equal prices stack)Peer medianInclude $20 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

Financial performance

Call reports for UniBank for Savings (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $449K
vs prior quarter: +$6K+1.4%; from Q1 2026
vs a year earlier: +$62K+16.0%; from Q2 2025
vs start of range: +$35K+8.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: UniBank for Savings (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$449K	+$6K	+1.4%
Q1 2026	$443K	−$5K	−1.1%
Q4 2025	$448K	+$6K	+1.4%
Q3 2025	$442K	+$55K	+14.2%
Q2 2025	$387K	$0	0.0%
Q1 2025	$387K	−$4K	−1.0%
Q4 2024	$391K	−$23K	−5.6%
Q3 2024	$414K	+$18K	+4.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from UniBank for Savings’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (Closeout within 90 days)$10
Acct Inactivity Fee$5
Account Research Fee Per Hour$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Charge - Paid (per item)$33
per item

ATM & Card

ATM Inquiry Service Charge$1.50
per item
ATM Withdrawal Service Charge$1.50
per item
Card Reissue Fee$5
per item
International Service Assessment$5
per item

Wire Transfers

Domestic Wire (Outgoing)$25
Incoming Wire Deposit$13
International Wire (Outgoing)$30

Check Services

Treasurers Check$5
Money Orders$2
Stop Payment Fee$25
Foreign Check Fee$10
Check Copy Fee$2.50

Digital & Electronic

UniBank Bill Pay ServiceNo charge

Cash & Deposit

Returned Item Fee$6.84
Night Deposit Annual Rent Assessment$15
Not compared: Annual charge, not per item
per year

Account Services

Notary Public ServiceNo charge
Additional/Replacement Key$8
Not compared: Box drilling or key fee
Late Charge Assessment$5
Not compared: Box drilling or key fee
Other Fees: 3" X 10"$50
Safe Deposit Box 10" X 10"$130
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10" X 15"$150
Safe Deposit Box 2" X 5"$25
Safe Deposit Box 5" X 10"$80
Safe Deposit Box 5" X 5"$45
Legal Processing Fee$50
Not compared: Annual charge, not per item
per year

Other Fees

EFT Services: Statement Copy Fee$5
Other Copy Fee$1

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (Closeout within 90 days)	$10	Not stated	None
Acct Inactivity Fee	$5	Not stated	None
Account Research Fee Per Hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Charge - Paid (per item)	$33	per item	None
ATM & Card
ATM Inquiry Service Charge	$1.50	per item	None
ATM Withdrawal Service Charge	$1.50	per item	None
Card Reissue Fee	$5	per item	None
International Service Assessment	$5	per item	None
Wire Transfers
Domestic Wire (Outgoing)	$25	Not stated	None
Incoming Wire Deposit	$13	Not stated	None
International Wire (Outgoing)	$30	Not stated	None
Check Services
Treasurers Check	$5	Not stated	None
Money Orders	$2	Not stated	None
Stop Payment Fee	$25	Not stated	None
Foreign Check Fee	$10	Not stated	None
Check Copy Fee	$2.50	Not stated	None
Digital & Electronic
UniBank Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Returned Item Fee	$6.84	Not stated	None
Night Deposit Annual Rent Assessment	$15Not compared: Annual charge, not per item	per year	None
Account Services
Notary Public Service	No charge	Not stated	None
Additional/Replacement Key	$8Not compared: Box drilling or key fee	Not stated	None
Late Charge Assessment	$5Not compared: Box drilling or key fee	Not stated	None
Other Fees: 3" X 10"	$50	Not stated	None
Safe Deposit Box 10" X 10"	$130Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10" X 15"	$150	Not stated	None
Safe Deposit Box 2" X 5"	$25	Not stated	None
Safe Deposit Box 5" X 10"	$80	Not stated	None
Safe Deposit Box 5" X 5"	$45	Not stated	None
Legal Processing Fee	$50Not compared: Annual charge, not per item	per year	None
Other Fees
EFT Services: Statement Copy Fee	$5	Not stated	None
Other Copy Fee	$1	Not stated	None

Correct a fee source

Oct 12, 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.

Branches and public record

Where UniBank for Savings operates, and what regulators and customers have on file.

Market position

In Worcester, MA, UniBank for Savings holds 11.3% of bank deposits, #2 of 26, with 14 offices.

Compare fees with the 40 Worcester, MA banks and credit unions in its home-metro peer set →

Offices in the metro

258 offices of 46 institutions shown.

UniBank for SavingsOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Worcester, MA metro (FDIC metro code 49340), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 6 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Bank of America, National Association13.5%
2UniBank for Savings11.3%
3TD Bank, National Association9.9%
4Cornerstone Bank8.6%
5Santander Bank, N.A.8.0%
6Beacon Bank and Trust4.8%
7Webster Five Cents Savings Bank4.4%
8Bankhometown4.3%

8 of 26 institutions shown. $22.5B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Worcester, MA metro (FDIC metro code 49340)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 11.3% share, 14 offices, #2 of 26

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Worcester, MA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

72 offices of 20 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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