Machias Savings Bank

Headquarters: Machias, Maine
Charter: Bank
Assets: $2.7B
Fed district: Boston

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

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Machias Savings Bank: $33
Machias Savings Bank: $33
U.S. median: no median
NSF / Returned Item
Machias Savings Bank: $33
Machias Savings Bank: $33
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $50, the middle of its prices
Machias Savings Bank: $15 to $75
Machias Savings Bank: $15 to $75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maine, 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).
Maine: Banks and credit unions headquartered in Maine 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 Machias Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Closing Fee (Account Closed within 90 days)$25
Dormant Accounts (monthly)$5
per month
Escheatment Fee$50
Account Reconciliation (hourly rate)$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation (hourly rate) | $30.00 ($30 min)
Account Research$30
Undeliverable Address Fee$10

Overdraft & NSF

Overdraft Item Charge$33
Returned Item Fee$33
Personal Account Continuous Overdraft Charge$5

ATM & Card

Lost Debit Card Replacement$5

Wire Transfers

Online Banking Outgoing Wire Transfer: Domestic$15
Wire Transfer Fee: Domestic$75
Wire Transfer Fee: Domestic (in-person)$25
Incoming Wire Transfer Fee$15
Online Banking Outgoing Wire Transfer: International$50
Wire Transfer Fee: International (audience not stated, treated as personal)$100

Check Services

Treasurer Checks$10
Treasurer Checks - Customer$5
Money Order - Customer$3
Stop Payments - Check & ACH$35
Stop Payments via Online BankingNo charge
Counter Checks$3
per item
Collection Items - Foreign$20
Copies of Check Images$2
Not compared: Charged per page; comparison unavailable
per page · Copies of Check Images | $2.00 Per Page

Cash & Deposit

Coin Counting6%
Night Drop Replacement Key (per key)$10
per item

Account Services

Notary Services (per item)$10
per item
Additional fee for special request drilling$100
Not compared: Box drilling or key fee
Drilling Fee$225
Not compared: Box drilling or key fee
Key Replacement (per key)$30
Not compared: Box drilling or key fee
per item
Legal Processing Fee$150

Other Fees

Fax or Photocopy Fee$2
Not compared: Charged per page; comparison unavailable
per page · Fax or Photocopy Fee | $2.00 Per Page

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Fee (Account Closed within 90 days)	$25	Not stated	None
Dormant Accounts (monthly)	$5	per month	None
Escheatment Fee	$50	Not stated	None
Account Reconciliation (hourly rate)	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation (hourly rate) \| $30.00 ($30 min)
Account Research	$30	Not stated	None
Undeliverable Address Fee	$10	Not stated	None
Overdraft & NSF
Overdraft Item Charge	$33	Not stated	None
Returned Item Fee	$33	Not stated	None
Personal Account Continuous Overdraft Charge	$5	Not stated	None
ATM & Card
Lost Debit Card Replacement	$5	Not stated	None
Wire Transfers
Online Banking Outgoing Wire Transfer: Domestic	$15	Not stated	None
Wire Transfer Fee: Domestic	$75	Not stated	None
Wire Transfer Fee: Domestic (in-person)	$25	Not stated	None
Incoming Wire Transfer Fee	$15	Not stated	None
Online Banking Outgoing Wire Transfer: International	$50	Not stated	None
Wire Transfer Fee: International (audience not stated, treated as personal)	$100	Not stated	None
Check Services
Treasurer Checks	$10	Not stated	None
Treasurer Checks - Customer	$5	Not stated	None
Money Order - Customer	$3	Not stated	None
Stop Payments - Check & ACH	$35	Not stated	None
Stop Payments via Online Banking	No charge	Not stated	None
Counter Checks	$3	per item	None
Collection Items - Foreign	$20	Not stated	None
Copies of Check Images	$2Not compared: Charged per page; comparison unavailable	per page	Copies of Check Images \| $2.00 Per Page
Cash & Deposit
Coin Counting	6%	Not stated	None
Night Drop Replacement Key (per key)	$10	per item	None
Account Services
Notary Services (per item)	$10	per item	None
Additional fee for special request drilling	$100Not compared: Box drilling or key fee	Not stated	None
Drilling Fee	$225Not compared: Box drilling or key fee	Not stated	None
Key Replacement (per key)	$30Not compared: Box drilling or key fee	per item	None
Legal Processing Fee	$150	Not stated	None
Other Fees
Fax or Photocopy Fee	$2Not compared: Charged per page; comparison unavailable	per page	Fax or Photocopy Fee \| $2.00 Per Page

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

Account Maintenance

Early Closing Fee (Account Closed within 90 days)$25
Dormant Accounts (monthly)$5
per month
Escheatment Fee$50
Account Reconciliation (hourly rate)$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation (hourly rate) | $30.00 ($30 min)
Account Research$30
Undeliverable Address Fee$10

Overdraft & NSF

Overdraft Item Charge$33
Returned Item Fee$33
Business Account Continuous Overdraft Charge$20

ATM & Card

Lost Debit Card Replacement$5

Wire Transfers

Online Banking Outgoing Wire Transfer: Domestic$15
Wire Transfer Fee: Domestic$75
Wire Transfer Fee: Domestic (in-person)$25
Incoming Wire Transfer Fee$15
Online Banking Outgoing Wire Transfer: International$50

Check Services

Treasurer Checks$10
Treasurer Checks - Customer$5
Money Order - Customer$3
Stop Payments - Check & ACH$35
Stop Payments via Online BankingNo charge
Counter Checks$3
per item
Collection Items - Foreign$20
Copies of Check Images$2
Not compared: Charged per page; comparison unavailable
per page · Copies of Check Images | $2.00 Per Page

Cash & Deposit

Coin Counting6%
Night Drop Replacement Key (per key)$10
per item

Account Services

Notary Services (per item)$10
per item
Additional fee for special request drilling$100
Not compared: Box drilling or key fee
Drilling Fee$225
Not compared: Box drilling or key fee
Key Replacement (per key)$30
Not compared: Box drilling or key fee
per item
Legal Processing Fee$150

Other Fees

Fax or Photocopy Fee$2
Not compared: Charged per page; comparison unavailable
per page · Fax or Photocopy Fee | $2.00 Per Page

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Fee (Account Closed within 90 days)	$25	Not stated	None
Dormant Accounts (monthly)	$5	per month	None
Escheatment Fee	$50	Not stated	None
Account Reconciliation (hourly rate)	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation (hourly rate) \| $30.00 ($30 min)
Account Research	$30	Not stated	None
Undeliverable Address Fee	$10	Not stated	None
Overdraft & NSF
Overdraft Item Charge	$33	Not stated	None
Returned Item Fee	$33	Not stated	None
Business Account Continuous Overdraft Charge	$20	Not stated	None
ATM & Card
Lost Debit Card Replacement	$5	Not stated	None
Wire Transfers
Online Banking Outgoing Wire Transfer: Domestic	$15	Not stated	None
Wire Transfer Fee: Domestic	$75	Not stated	None
Wire Transfer Fee: Domestic (in-person)	$25	Not stated	None
Incoming Wire Transfer Fee	$15	Not stated	None
Online Banking Outgoing Wire Transfer: International	$50	Not stated	None
Check Services
Treasurer Checks	$10	Not stated	None
Treasurer Checks - Customer	$5	Not stated	None
Money Order - Customer	$3	Not stated	None
Stop Payments - Check & ACH	$35	Not stated	None
Stop Payments via Online Banking	No charge	Not stated	None
Counter Checks	$3	per item	None
Collection Items - Foreign	$20	Not stated	None
Copies of Check Images	$2Not compared: Charged per page; comparison unavailable	per page	Copies of Check Images \| $2.00 Per Page
Cash & Deposit
Coin Counting	6%	Not stated	None
Night Drop Replacement Key (per key)	$10	per item	None
Account Services
Notary Services (per item)	$10	per item	None
Additional fee for special request drilling	$100Not compared: Box drilling or key fee	Not stated	None
Drilling Fee	$225Not compared: Box drilling or key fee	Not stated	None
Key Replacement (per key)	$30Not compared: Box drilling or key fee	per item	None
Legal Processing Fee	$150	Not stated	None
Other Fees
Fax or Photocopy Fee	$2Not compared: Charged per page; comparison unavailable	per page	Fax or Photocopy Fee \| $2.00 Per Page

Correct a fee source

Nov 2, 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 Machias Savings Bank's ach origination changes in our data

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Fees against the market

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

Overdraft (OD)
Machias Savings Bank: $33
Machias Savings Bank: $33
U.S. median: no median
NSF / Returned Item
Machias Savings Bank: $33
Machias Savings Bank: $33
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $50, the middle of its prices
Machias Savings Bank: $15 to $75
Machias Savings Bank: $15 to $75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maine, 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).
Maine: Banks and credit unions headquartered in Maine 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.

Published fee schedule

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

Account Maintenance

Early Closing Fee (Account Closed within 90 days)$25
Dormant Accounts (monthly)$5
per month
Escheatment Fee$50
Account Reconciliation (hourly rate)$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation (hourly rate) | $30.00 ($30 min)
Account Research$30
Undeliverable Address Fee$10

Overdraft & NSF

Overdraft Item Charge$33
Returned Item Fee$33
Personal Account Continuous Overdraft Charge$5

ATM & Card

Lost Debit Card Replacement$5

Wire Transfers

Online Banking Outgoing Wire Transfer: Domestic$15
Wire Transfer Fee: Domestic$75
Wire Transfer Fee: Domestic (in-person)$25
Incoming Wire Transfer Fee$15
Online Banking Outgoing Wire Transfer: International$50
Wire Transfer Fee: International (audience not stated, treated as personal)$100

Check Services

Treasurer Checks$10
Treasurer Checks - Customer$5
Money Order - Customer$3
Stop Payments - Check & ACH$35
Stop Payments via Online BankingNo charge
Counter Checks$3
per item
Collection Items - Foreign$20
Copies of Check Images$2
Not compared: Charged per page; comparison unavailable
per page · Copies of Check Images | $2.00 Per Page

Cash & Deposit

Coin Counting6%
Night Drop Replacement Key (per key)$10
per item

Account Services

Notary Services (per item)$10
per item
Additional fee for special request drilling$100
Not compared: Box drilling or key fee
Drilling Fee$225
Not compared: Box drilling or key fee
Key Replacement (per key)$30
Not compared: Box drilling or key fee
per item
Legal Processing Fee$150

Other Fees

Fax or Photocopy Fee$2
Not compared: Charged per page; comparison unavailable
per page · Fax or Photocopy Fee | $2.00 Per Page

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Fee (Account Closed within 90 days)	$25	Not stated	None
Dormant Accounts (monthly)	$5	per month	None
Escheatment Fee	$50	Not stated	None
Account Reconciliation (hourly rate)	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation (hourly rate) \| $30.00 ($30 min)
Account Research	$30	Not stated	None
Undeliverable Address Fee	$10	Not stated	None
Overdraft & NSF
Overdraft Item Charge	$33	Not stated	None
Returned Item Fee	$33	Not stated	None
Personal Account Continuous Overdraft Charge	$5	Not stated	None
ATM & Card
Lost Debit Card Replacement	$5	Not stated	None
Wire Transfers
Online Banking Outgoing Wire Transfer: Domestic	$15	Not stated	None
Wire Transfer Fee: Domestic	$75	Not stated	None
Wire Transfer Fee: Domestic (in-person)	$25	Not stated	None
Incoming Wire Transfer Fee	$15	Not stated	None
Online Banking Outgoing Wire Transfer: International	$50	Not stated	None
Wire Transfer Fee: International (audience not stated, treated as personal)	$100	Not stated	None
Check Services
Treasurer Checks	$10	Not stated	None
Treasurer Checks - Customer	$5	Not stated	None
Money Order - Customer	$3	Not stated	None
Stop Payments - Check & ACH	$35	Not stated	None
Stop Payments via Online Banking	No charge	Not stated	None
Counter Checks	$3	per item	None
Collection Items - Foreign	$20	Not stated	None
Copies of Check Images	$2Not compared: Charged per page; comparison unavailable	per page	Copies of Check Images \| $2.00 Per Page
Cash & Deposit
Coin Counting	6%	Not stated	None
Night Drop Replacement Key (per key)	$10	per item	None
Account Services
Notary Services (per item)	$10	per item	None
Additional fee for special request drilling	$100Not compared: Box drilling or key fee	Not stated	None
Drilling Fee	$225Not compared: Box drilling or key fee	Not stated	None
Key Replacement (per key)	$30Not compared: Box drilling or key fee	per item	None
Legal Processing Fee	$150	Not stated	None
Other Fees
Fax or Photocopy Fee	$2Not compared: Charged per page; comparison unavailable	per page	Fax or Photocopy Fee \| $2.00 Per Page

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

Account Maintenance

Early Closing Fee (Account Closed within 90 days)$25
Dormant Accounts (monthly)$5
per month
Escheatment Fee$50
Account Reconciliation (hourly rate)$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation (hourly rate) | $30.00 ($30 min)
Account Research$30
Undeliverable Address Fee$10

Overdraft & NSF

Overdraft Item Charge$33
Returned Item Fee$33
Business Account Continuous Overdraft Charge$20

ATM & Card

Lost Debit Card Replacement$5

Wire Transfers

Online Banking Outgoing Wire Transfer: Domestic$15
Wire Transfer Fee: Domestic$75
Wire Transfer Fee: Domestic (in-person)$25
Incoming Wire Transfer Fee$15
Online Banking Outgoing Wire Transfer: International$50

Check Services

Treasurer Checks$10
Treasurer Checks - Customer$5
Money Order - Customer$3
Stop Payments - Check & ACH$35
Stop Payments via Online BankingNo charge
Counter Checks$3
per item
Collection Items - Foreign$20
Copies of Check Images$2
Not compared: Charged per page; comparison unavailable
per page · Copies of Check Images | $2.00 Per Page

Cash & Deposit

Coin Counting6%
Night Drop Replacement Key (per key)$10
per item

Account Services

Notary Services (per item)$10
per item
Additional fee for special request drilling$100
Not compared: Box drilling or key fee
Drilling Fee$225
Not compared: Box drilling or key fee
Key Replacement (per key)$30
Not compared: Box drilling or key fee
per item
Legal Processing Fee$150

Other Fees

Fax or Photocopy Fee$2
Not compared: Charged per page; comparison unavailable
per page · Fax or Photocopy Fee | $2.00 Per Page

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Fee (Account Closed within 90 days)	$25	Not stated	None
Dormant Accounts (monthly)	$5	per month	None
Escheatment Fee	$50	Not stated	None
Account Reconciliation (hourly rate)	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation (hourly rate) \| $30.00 ($30 min)
Account Research	$30	Not stated	None
Undeliverable Address Fee	$10	Not stated	None
Overdraft & NSF
Overdraft Item Charge	$33	Not stated	None
Returned Item Fee	$33	Not stated	None
Business Account Continuous Overdraft Charge	$20	Not stated	None
ATM & Card
Lost Debit Card Replacement	$5	Not stated	None
Wire Transfers
Online Banking Outgoing Wire Transfer: Domestic	$15	Not stated	None
Wire Transfer Fee: Domestic	$75	Not stated	None
Wire Transfer Fee: Domestic (in-person)	$25	Not stated	None
Incoming Wire Transfer Fee	$15	Not stated	None
Online Banking Outgoing Wire Transfer: International	$50	Not stated	None
Check Services
Treasurer Checks	$10	Not stated	None
Treasurer Checks - Customer	$5	Not stated	None
Money Order - Customer	$3	Not stated	None
Stop Payments - Check & ACH	$35	Not stated	None
Stop Payments via Online Banking	No charge	Not stated	None
Counter Checks	$3	per item	None
Collection Items - Foreign	$20	Not stated	None
Copies of Check Images	$2Not compared: Charged per page; comparison unavailable	per page	Copies of Check Images \| $2.00 Per Page
Cash & Deposit
Coin Counting	6%	Not stated	None
Night Drop Replacement Key (per key)	$10	per item	None
Account Services
Notary Services (per item)	$10	per item	None
Additional fee for special request drilling	$100Not compared: Box drilling or key fee	Not stated	None
Drilling Fee	$225Not compared: Box drilling or key fee	Not stated	None
Key Replacement (per key)	$30Not compared: Box drilling or key fee	per item	None
Legal Processing Fee	$150	Not stated	None
Other Fees
Fax or Photocopy Fee	$2Not compared: Charged per page; comparison unavailable	per page	Fax or Photocopy Fee \| $2.00 Per Page

Correct a fee source

Nov 2, 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.