12 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $4, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Saco & Biddeford Savings Institution · $1.5B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Saco & Biddeford Savings Institution(this institution) | Saco, ME | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1st Summit Bank | Johnstown, PA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Heritage Bank | Sapulpa, OK | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| American Riviera Bank | Santa Barbara, CA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Apex Bank | Camden, TN | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Armed Forces Bank, National Association | Fort Leavenworth, KS | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Benchmark Community Bank | Kenbridge, VA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank Illinois | Geneseo, IL | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Bank | Elizabethton, TN | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank and Trust | Frostproof, FL | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elkhorn Valley Bank & Trust | Norfolk, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings Bank of Twin Falls | Twin Falls, ID | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Pulaski | Pulaski, TN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greenfield Savings Bank | Greenfield, MA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grove Bank & Trust | Miami, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Marquette Savings Bank | Erie, PA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| North State Bank | Raleigh, NC | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pathfinder Bank | Oswego, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank of Alabama | Cullman, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples State Bank | Wausau, WI | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Providence Bank | Rocky Mount, NC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rhinebeck Bank | Rhinebeck, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union County Savings Bank | Elizabeth, NJ | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Atmore, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Watertown Savings Bank | Watertown, MA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4, the middle of its four prices, against a peer median of $9 among 18 publishing peers.
Its four checking prices are $2, $3, $5 and $10.
$4 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Amounts from Saco & Biddeford Savings Institution’s own schedules, with a source for each figure.
per month
per month
per month
per month
per hour · Account research (per hour, 1 hour minimum) | $30.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $3 | per month | None |
| Monthly service charge | $2 | per month | None |
| Monthly service charge | $10 | per month | None |
| Monthly Service Charge | $5 | per month | None |
| Early Closeout Fee (within 90 days of opening) | $10 | Not stated | None |
| Account research (per hour, 1 hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | Account research (per hour, 1 hour minimum) | $30.00 |
Overdraft & NSF | |||
| Paid nonsufficient funds (NSF): Consumer account | $25 | Not stated | None |
| Return item: Consumer account | $15 | Not stated | None |
| Automated overdraft transfer | $2 | Not stated | None |
ATM & Card | |||
| ATM / Debit Card rush order | $50 | Not stated | None |
Wire Transfers | |||
| Wire: Outgoing - National | $25 | Not stated | None |
| Wire: Outgoing - International | $40 | Not stated | None |
Check Services | |||
| Stop payment (checks and ACH transactions) | $25 | Not stated | None |
Cash & Deposit | |||
| Deposited item returned | $12 | Not stated | None |
Account Services | |||
| Tax / levy garnish | $75 | Not stated | None |
Other Fees | |||
| Fax: Incoming | $1 | per item | None |
| Fax: Medallion stamp service | $20 | Not stated | None |
| Fax: Outgoing | $3 | Not stated | None |
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closeout Fee (within 90 days of opening) | $10 | Not stated | None |
| Account research (per hour, 1 hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | Account research (per hour, 1 hour minimum) | $30.00 |
Overdraft & NSF | |||
| Paid nonsufficient funds (NSF): Business account | $35 | Not stated | None |
| Return item: Business account | $25 | Not stated | None |
| Automated overdraft transfer | $2 | Not stated | None |
ATM & Card | |||
| ATM / Debit Card rush order | $50 | Not stated | None |
Wire Transfers | |||
| Wire: Outgoing - National | $25 | Not stated | None |
| Wire: Outgoing - International | $40 | Not stated | None |
Check Services | |||
| Stop payment (checks and ACH transactions) | $25 | Not stated | None |
Cash & Deposit | |||
| Deposited item returned | $12 | Not stated | None |
Account Services | |||
| Tax / levy garnish | $75 | Not stated | None |
Other Fees | |||
| Fax: Incoming | $1 | per item | None |
| Fax: Medallion stamp service | $20 | Not stated | None |
| Fax: Outgoing | $3 | Not stated | None |
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.
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