SAVINGS ACCOUNT CHARGES |
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| Maintenance Service Charge |
Free |
| Early Passbook Closeout (closed within 90 days of opening account) |
$10.00 |
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MONEY MARKET ACCOUNT CHARGES |
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| Maintenance Service Charge |
Free |
| Money Market Service Charge (if more than 6 third-party checks per statement cycle) |
$10.00 each |
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CHECKING ACCOUNTS |
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| 18/65 ACCOUNT CHARGES |
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| If you are under the age of 19 or age 65 or older, you qualify for this account. Some restrictions apply. See a Customer Service Representative for details. |
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| Maintenance Service Charge, Check Printing (standard style only) |
Free |
| Insufficient funds charge |
$5.00 |
| N.O.W. ACCOUNT CHARGES |
Free |
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OTHER CHECKING FEES |
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| Insufficient Funds Charge (overdrafts created by checks, ATM withdrawal, or other electronic means) |
$25.00 |
| Check printing |
Varies by style |
| Stop Payment |
$25.00 |
| Instant Statement |
$2.00 each |
| Statement copy |
$5.00 each |
| Check copy (First 25 each year are free) |
$5.00 each |
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ATM & DEBIT CARD SERVICE CHARGES |
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| ALL Needham Bank customer ATM transactions |
Free* |
| Point –of –Sale (POS) transactions (available on checking accounts only) |
Free |
| MasterMoney debit card transactions |
Free |
| ATM/Debit card replacement |
$5.00 |
| International Service Assessment Fee |
1% of Transaction Amount |
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| *If you use a non-Needham Bank ATM, you may be charged a fee. Use ATMs that display the “SUM” or “MoneyPass” symbol and you won’t pay a surcharge! |
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BANK SERVICES & CHARGES |
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WIRE TRANSFER FEE |
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| Wire fees are exclusive of other banks’ charges. There is a $500.00 minimum on outgoing wire transfers. |
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| Incoming |
$10.00 |
| Outgoing – Domestic |
$25.00 |
| Outgoing – Foreign |
$40.00 |
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CHECKS PROCESSED |
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| Foreign (in U.S. Funds, sent for collection) |
Varies |
| In Foreign Funds (collection charges are exclusive of other banks’ charges) |
$10.00 each |
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Returned Check Charges |
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| Returned third- party checks that have been cashed or deposited to your account |
Limited by MA State Law |
| Returned checks drawn by the same maker or from a business account that have been cashed or deposited to your account |
$5.00 |
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OTHER CHARGES |
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| Overdraft protection transfer charge (per item) |
$10.00 |
| Official bank checks withdrawn from Savings, N.O.W. Checking or Money Market |
One Free per Day; thereafter $5.00 each |
| Money Orders-Customers Only |
Two Free per Day; thereafter $2.00 each |
| Passbook Replacement |
$5.00 |
| Account Research (1 hour minimum) |
$15.00/hr. |
| Coupon Collections |
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|
Per Envelope |
$4.00 |
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Return Coupon (per envelope) |
$5.00 |
| Attachment/ Levy (per account) |
$25.00 |
| Notary Public (for customers) |
Free |
| Signature Guarantee (customers only) |
Free |
| Abandoned Property Charge |
$25.00 |
| ACH Returned Item Charge |
$5.00 |
| Money HQ “Personal Finance Manager” |
$4.95/Month |
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MORTGAGE SERVICING |
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| Confirmatory Discharge |
$25.00 |
| Fax Fee |
$10.00 |
| Returned Check |
$25.00 |
| 12-month history of payments |
$15.00 |
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SAFE DEPOSIT BOXES (Wellesley Branch Only) |
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| Size |
Annual Fee |
| 2x5 |
$25.00 |
| 3x5 |
$50.00 |
| 3x10 |
$70.00 |
| 5x10 |
$100.00 |
| 10x10 |
$150.00 | |
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| Replacement Key |
$25.00 |
| Late Payment (after 30 days) |
$10.00 |
| Drilling |
Cost + $20.00 |
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There is a minimum savings account balance required to rent a safe deposit box. Safe deposit box contents are not insured by FDIC or SIF.
These charges are effective September 30, 2009 |
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