Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $1B to $10B

Newburyport Five Cents Savings Bank

Newburyport, MassachusettsBankBoston Fed districtFees collected Oct 2, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closing Fee (account closed within 90 days of opening)$25Within the typical range ($10–$25 nationally)

per month · Knox deterministic extraction from Rosetta artifact #276. canonical_hint=early_closure; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="OTHER FEES Account Closing Fee (account closed within 90 days of opening) $25.00" · Source

Returned Mail Special Handling Fee (per month, per account)$5

$15 below the national median

per month · Knox deterministic extraction from Rosetta artifact #276. canonical_hint=account_research; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Returned Mail Special Handling Fee (per month, per account) $5.00" · Source

Overdraft & NSFVerified

Insufficient Funds Fee$30Within the typical range ($25–$32 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=nsf; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Insufficient Funds Fees* (charged if item is returned) Insufficient Funds Fee $30.00" · Source
Insufficient Funds Fee on Lifeline 18/65 Checking or Student Checking$5Below the typical range ($25–$32 nationally)
$24 below the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=nsf; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Insufficient Funds Fee on Lifeline 18/65 Checking or Student Checking $5.00" · Source
Overdraft Fee$30Within the typical range ($20–$30 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=overdraft; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Overdraft Fees* (charged if item is paid) Overdraft Fee $30.00" · Source
Overdraft Item on Lifeline 18/65 Checking "Overdraft Fee"$5Below the typical range ($20–$30 nationally)
$23 below the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=overdraft; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Overdraft Item on Lifeline 18/65 Checking "Overdraft Fee" $5.00" · Source

ATM & CardVerified

ATM/Debit Card Expedited Fee$40Within the typical range ($30–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=rush_card; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="ATM/Debit Card Expedited Fee $40.00" · Source
ATM/Debit Card Replacement Card Fee$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=card_replacement; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="ATM/Debit Card Replacement Card Fee $20.00" · Source

Wire TransfersVerified

Wire Transfer Fees Wire Transfer Outgoing (Domestic)$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=wire_domestic_outgoing; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Wire Transfer Fees Wire Transfer Outgoing (Domestic) $25.00" · Source
Wire Transfer Incoming (Domestic)$15Within the typical range ($7.75–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=wire_domestic_incoming; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Wire Transfer Incoming (Domestic) $15.00" · Source
Wire Transfer Incoming (International)$50Above the typical range ($10–$25 nationally)
$35 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=wire_intl_incoming; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Wire Transfer Incoming (International) $50.00" · Source
Wire Transfer Outgoing (International)$50Within the typical range ($40–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=wire_intl_outgoing; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Wire Transfer Outgoing (International) $50.00" · Source

Check ServicesVerified

Bank Check$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=cashiers_check; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Bank Check $5.00" · Source
Bank Money Order$2Within the typical range ($2–$3.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=money_order; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Bank Money Order $2.00" · Source
Check Printing Costs Varies Collection Item Fee - Foreign (Canadian)$20Within the typical range ($2–$20 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=check_printing; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Check Printing Costs Varies Collection Item Fee - Foreign (Canadian) $20.00" · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=stop_payment; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Stop Payment Fee $30.00" · Source

Digital & ElectronicVerified

Bill Pay$0Within the typical range ($0–$12.50 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #276. canonical_hint=bill_pay; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="PERSONAL ONLINE & MOBILE BANKING Bill Pay FREE" · Source
Expedited Bill Pay$25Above the typical range ($0–$12.50 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=bill_pay; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Expedited Bill Pay $25.00" · Source
Mobile Deposit$0Within the typical range ($0–$1 nationally)
At the national median
Knox read a free fee from Rosetta artifact #276. canonical_hint=mobile_deposit; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Mobile Deposit FREE" · Source

Account ServicesVerified

Levy Fee$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #276. canonical_hint=garnishment_levy; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Levy Fee $75.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closing Fee (account closed within 90 days of opening)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	per month	Knox deterministic extraction from Rosetta artifact #276. canonical_hint=early_closure; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="OTHER FEES Account Closing Fee (account closed within 90 days of opening) $25.00"	Source
Returned Mail Special Handling Fee (per month, per account)	$5Below the typical range ($15–$25 nationally)	$15 below the national median	per month	Knox deterministic extraction from Rosetta artifact #276. canonical_hint=account_research; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Returned Mail Special Handling Fee (per month, per account) $5.00"	Source
Overdraft & NSFVerified
Insufficient Funds Fee	$30Within the typical range ($25–$32 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #276. canonical_hint=nsf; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Insufficient Funds Fees* (charged if item is returned) Insufficient Funds Fee $30.00"	Source
Insufficient Funds Fee on Lifeline 18/65 Checking or Student Checking
ATM & CardVerified
ATM/Debit Card Expedited Fee	$40Within the typical range ($30–$50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #276. canonical_hint=rush_card; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="ATM/Debit Card Expedited Fee $40.00"	Source
ATM/Debit Card Replacement Card Fee
Wire TransfersVerified
Wire Transfer Fees Wire Transfer Outgoing (Domestic)	$25Within the typical range ($20–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #276. canonical_hint=wire_domestic_outgoing; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Wire Transfer Fees Wire Transfer Outgoing (Domestic) $25.00"	Source

Check ServicesVerified
Bank Check	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #276. canonical_hint=cashiers_check; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Bank Check $5.00"	Source
Bank Money Order
Digital & ElectronicVerified
Bill Pay	$0Within the typical range ($0–$12.50 nationally)	$5 below the national median	—	Knox read a free fee from Rosetta artifact #276. canonical_hint=bill_pay; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="PERSONAL ONLINE & MOBILE BANKING Bill Pay FREE"	Source
Expedited Bill Pay	$25
Account ServicesVerified
Levy Fee	$75Within the typical range ($25–$75 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #276. canonical_hint=garnishment_levy; text_hash=a231ff8f92d1363de20ba445526fd8d0f16308b5adc6756ef9d867d15852043a; excerpt="Levy Fee $75.00"	Source

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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.

Overdraft

$30

Overdraft fee: $30

7% above the national median overdraft fee

Total fees: 20 — leaner than most institutions

Verified fees

Under review

Assets

$1.6B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.6B

Total deposits

$1.3B

Service charge income

$124K

Fee income ratio

1.1%

Return on assets

0.69%

Branches

Service charge income by quarter

Q2 2026$124K

Q1 2026$109K

Q4 2025$118K

Q3 2025$88K

Financial profile · Pro

Performance from regulator filings

Wire Transfer Incoming (Domestic)

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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