Watertown Savings Bank

Headquarters: Watertown, Massachusetts
Charter: Bank
Assets: $1.4B
Fed district: Boston

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

Source: its fee schedule, read Oct 11, 2026.

Explore Hamilton View published fees

Fees against the market

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

Wire Transfer (Domestic Out)
Watertown Savings Bank: $20
Watertown Savings Bank: $20
U.S. median: no median
Debit Card Replacement
Watertown Savings Bank: $5
Watertown Savings Bank: $5
U.S. median: no median
Account Research
Watertown Savings Bank: $25
Watertown Savings Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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 Watertown Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Research (One hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$25

ATM & Card

ATM or Debit Card Replacement Fee$5

Wire Transfers

Outgoing Wire Transfer (audience not stated, treated as personal)$20

Check Services

Treasurers Check (one free per day if funds are withdrawn from an account)$6
Not compared: Daily charge, not per item
per day
Money Order (one free per day if funds are withdrawn from an account)$3
Not compared: Daily charge, not per item
per day
Check Printing prices depend on quantity & style Coin Processing$1.50
Temporary Check$1
per item

Cash & Deposit

Coin Processing$1.50

Account Services

Drill Box Fee$200
Not compared: Box drilling or key fee
Safe Deposit$15
Safe Deposit Late Payment Fee (30 days late or more)$3
Not compared: Monthly charge, not annual
per month
Abandoned Property, Levy and Legal Services$75

Retirement & IRA

IRA Transfer$10

Other Fees

Document Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Account Research (One hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$25	Not stated	None
ATM & Card
ATM or Debit Card Replacement Fee	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer (audience not stated, treated as personal)	$20	Not stated	None
Check Services
Treasurers Check (one free per day if funds are withdrawn from an account)	$6Not compared: Daily charge, not per item	per day	None
Money Order (one free per day if funds are withdrawn from an account)	$3Not compared: Daily charge, not per item	per day	None
Check Printing prices depend on quantity & style Coin Processing	$1.50	Not stated	None
Temporary Check	$1	per item	None
Cash & Deposit
Coin Processing	$1.50	Not stated	None
Account Services
Drill Box Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit	$15	Not stated	None
Safe Deposit Late Payment Fee (30 days late or more)	$3Not compared: Monthly charge, not annual	per month	None
Abandoned Property, Levy and Legal Services	$75	Not stated	None
Retirement & IRA
IRA Transfer	$10	Not stated	None
Other Fees
Document Copies	$5	Not stated	None

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

Account Research (One hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$25

ATM & Card

ATM or Debit Card Replacement Fee$5

Check Services

Treasurers Check (one free per day if funds are withdrawn from an account)$6
Not compared: Daily charge, not per item
per day
Money Order (one free per day if funds are withdrawn from an account)$3
Not compared: Daily charge, not per item
per day
Check Printing prices depend on quantity & style Coin Processing$1.50
Temporary Check$1
per item

Cash & Deposit

Coin Processing$1.50
Returned Deposited Item (Business accounts only)$10

Account Services

Drill Box Fee$200
Not compared: Box drilling or key fee
Safe Deposit$15
Safe Deposit Late Payment Fee (30 days late or more)$3
Not compared: Monthly charge, not annual
per month
Abandoned Property, Levy and Legal Services$75

Retirement & IRA

IRA Transfer$10

Other Fees

Document Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Account Research (One hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$25	Not stated	None
ATM & Card
ATM or Debit Card Replacement Fee	$5	Not stated	None
Check Services
Treasurers Check (one free per day if funds are withdrawn from an account)	$6Not compared: Daily charge, not per item	per day	None
Money Order (one free per day if funds are withdrawn from an account)	$3Not compared: Daily charge, not per item	per day	None
Check Printing prices depend on quantity & style Coin Processing	$1.50	Not stated	None
Temporary Check	$1	per item	None
Cash & Deposit
Coin Processing	$1.50	Not stated	None
Returned Deposited Item (Business accounts only)	$10	Not stated	None
Account Services
Drill Box Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit	$15	Not stated	None
Safe Deposit Late Payment Fee (30 days late or more)	$3Not compared: Monthly charge, not annual	per month	None
Abandoned Property, Levy and Legal Services	$75	Not stated	None
Retirement & IRA
IRA Transfer	$10	Not stated	None
Other Fees
Document Copies	$5	Not stated	None

Correct a fee source

Oct 11, 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 Watertown Savings Bank's foreign transaction 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.

Wire Transfer (Domestic Out)
Watertown Savings Bank: $20
Watertown Savings Bank: $20
U.S. median: no median
Debit Card Replacement
Watertown Savings Bank: $5
Watertown Savings Bank: $5
U.S. median: no median
Account Research
Watertown Savings Bank: $25
Watertown Savings Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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.

Published fee schedule

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

Account Maintenance

Account Research (One hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$25

ATM & Card

ATM or Debit Card Replacement Fee$5

Wire Transfers

Outgoing Wire Transfer (audience not stated, treated as personal)$20

Check Services

Treasurers Check (one free per day if funds are withdrawn from an account)$6
Not compared: Daily charge, not per item
per day
Money Order (one free per day if funds are withdrawn from an account)$3
Not compared: Daily charge, not per item
per day
Check Printing prices depend on quantity & style Coin Processing$1.50
Temporary Check$1
per item

Cash & Deposit

Coin Processing$1.50

Account Services

Drill Box Fee$200
Not compared: Box drilling or key fee
Safe Deposit$15
Safe Deposit Late Payment Fee (30 days late or more)$3
Not compared: Monthly charge, not annual
per month
Abandoned Property, Levy and Legal Services$75

Retirement & IRA

IRA Transfer$10

Other Fees

Document Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Account Research (One hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$25	Not stated	None
ATM & Card
ATM or Debit Card Replacement Fee	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer (audience not stated, treated as personal)	$20	Not stated	None
Check Services
Treasurers Check (one free per day if funds are withdrawn from an account)	$6Not compared: Daily charge, not per item	per day	None
Money Order (one free per day if funds are withdrawn from an account)	$3Not compared: Daily charge, not per item	per day	None
Check Printing prices depend on quantity & style Coin Processing	$1.50	Not stated	None
Temporary Check	$1	per item	None
Cash & Deposit
Coin Processing	$1.50	Not stated	None
Account Services
Drill Box Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit	$15	Not stated	None
Safe Deposit Late Payment Fee (30 days late or more)	$3Not compared: Monthly charge, not annual	per month	None
Abandoned Property, Levy and Legal Services	$75	Not stated	None
Retirement & IRA
IRA Transfer	$10	Not stated	None
Other Fees
Document Copies	$5	Not stated	None

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

Account Research (One hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$25

ATM & Card

ATM or Debit Card Replacement Fee$5

Check Services

Treasurers Check (one free per day if funds are withdrawn from an account)$6
Not compared: Daily charge, not per item
per day
Money Order (one free per day if funds are withdrawn from an account)$3
Not compared: Daily charge, not per item
per day
Check Printing prices depend on quantity & style Coin Processing$1.50
Temporary Check$1
per item

Cash & Deposit

Coin Processing$1.50
Returned Deposited Item (Business accounts only)$10

Account Services

Drill Box Fee$200
Not compared: Box drilling or key fee
Safe Deposit$15
Safe Deposit Late Payment Fee (30 days late or more)$3
Not compared: Monthly charge, not annual
per month
Abandoned Property, Levy and Legal Services$75

Retirement & IRA

IRA Transfer$10

Other Fees

Document Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Account Research (One hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$25	Not stated	None
ATM & Card
ATM or Debit Card Replacement Fee	$5	Not stated	None
Check Services
Treasurers Check (one free per day if funds are withdrawn from an account)	$6Not compared: Daily charge, not per item	per day	None
Money Order (one free per day if funds are withdrawn from an account)	$3Not compared: Daily charge, not per item	per day	None
Check Printing prices depend on quantity & style Coin Processing	$1.50	Not stated	None
Temporary Check	$1	per item	None
Cash & Deposit
Coin Processing	$1.50	Not stated	None
Returned Deposited Item (Business accounts only)	$10	Not stated	None
Account Services
Drill Box Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit	$15	Not stated	None
Safe Deposit Late Payment Fee (30 days late or more)	$3Not compared: Monthly charge, not annual	per month	None
Abandoned Property, Levy and Legal Services	$75	Not stated	None
Retirement & IRA
IRA Transfer	$10	Not stated	None
Other Fees
Document Copies	$5	Not stated	None

Correct a fee source

Oct 11, 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.