Reading Co-operative Bank

Headquarters: Reading, Massachusetts
Charter: Bank
Assets: $1.2B
Fed district: Boston

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $5, the middle of its prices
Reading Co-operative Bank: $3.99 to $12
Reading Co-operative Bank: $3.99 to $12
U.S. median: no median
Wire Transfer (Domestic Out)
Reading Co-operative Bank: $25
Reading Co-operative Bank: $25
U.S. median: no median
Stop Payment
Reading Co-operative Bank: $30
Reading Co-operative Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 Reading Co-operative Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$5
per month
Monthly maintenance fee$10
per month
Monthly Maintenance Fee$12
per month
Monthly Maintenance Fee$3.99
per month
The Monthly Maintenance Fee$3.99
per month
Account Research Fee (Per Hour, Minimum 1 Hour)$50
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee (Per Hour, Minimum 1 Hour)$50
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Charge$5

ATM & Card

Card Replacement Fee$10
Card Replacement – Express Delivery$75

Wire Transfers

Outgoing Domestic Wire$25
Incoming Domestic Wire$20
Outgoing Foreign Wire$65
Incoming Foreign Wire$40

Check Services

Official Bank Check (Customers Only)$10
Money Order (Customers Only)$5
Postal Money Orders$5
per item
Stop Payment (3)$30
Temporary Checks$2
per item

Digital & Electronic

Online Bill PaymentNo charge
Same Day Bill Payment$9.95

Cash & Deposit

NIGHT DEPOSIT BAG REPLACEMENT (Per Bag)$25
per item

Account Services

10X10X24 Annual Fee$175
per year
12X12X24 Annual Fee$200
per year
2X5X24 Annual Fee$30
per year
3X10X24 Annual Fee$75
per year
3X5X24 Annual Fee$40
per year
5X10X24 Annual Fee$100
per year
5X5X24 Annual Fee$50
per year
Box Drilling Minimum (6)$425
Not compared: Box drilling or key fee
Key Replacement Minimum (6)$20
Not compared: Box drilling or key fee
SUBPOENA (Per Hour, Minimum 1 Hour)$75
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Late Charge (After 30 Days of Due Date)$5

Retirement & IRA

IRA External Transfer Fee$50

Other Fees

Statement Copy Print Fee (Per Statement)$10
Subordination Fee$300

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$5	per month	None
Monthly maintenance fee	$10	per month	None
Monthly Maintenance Fee	$12	per month	None
Monthly Maintenance Fee	$3.99	per month	None
The Monthly Maintenance Fee	$3.99	per month	None
Account Research Fee (Per Hour, Minimum 1 Hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee (Per Hour, Minimum 1 Hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Charge	$5	Not stated	None
ATM & Card
Card Replacement Fee	$10	Not stated	None
Card Replacement – Express Delivery	$75	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$25	Not stated	None
Incoming Domestic Wire	$20	Not stated	None
Outgoing Foreign Wire	$65	Not stated	None
Incoming Foreign Wire	$40	Not stated	None
Check Services
Official Bank Check (Customers Only)	$10	Not stated	None
Money Order (Customers Only)	$5	Not stated	None
Postal Money Orders	$5	per item	None
Stop Payment (3)	$30	Not stated	None
Temporary Checks	$2	per item	None
Digital & Electronic
Online Bill Payment	No charge	Not stated	None
Same Day Bill Payment	$9.95	Not stated	None
Cash & Deposit
NIGHT DEPOSIT BAG REPLACEMENT (Per Bag)	$25	per item	None
Account Services
10X10X24 Annual Fee	$175	per year	None
12X12X24 Annual Fee	$200	per year	None
2X5X24 Annual Fee	$30	per year	None
3X10X24 Annual Fee	$75	per year	None
3X5X24 Annual Fee	$40	per year	None
5X10X24 Annual Fee	$100	per year	None
5X5X24 Annual Fee	$50	per year	None
Box Drilling Minimum (6)	$425Not compared: Box drilling or key fee	Not stated	None
Key Replacement Minimum (6)	$20Not compared: Box drilling or key fee	Not stated	None
SUBPOENA (Per Hour, Minimum 1 Hour)	$75Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Late Charge (After 30 Days of Due Date)	$5	Not stated	None
Retirement & IRA
IRA External Transfer Fee	$50	Not stated	None
Other Fees
Statement Copy Print Fee (Per Statement)	$10	Not stated	None
Subordination Fee	$300	Not stated	None

Correct a fee source

Oct 15, 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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