Schedule of Charges

Bank Deposit Account Charges & Fees | ATM & Debit Card Service Charges | Bank Services & Charges
Download Consumer Schedule of Charges

Bank Deposit Account Charges & Fees

Savings Account Charges

  • Maintenance Service Charge – No Charge

Money Market and Super Saver Money Market Account Charges

  • Maintenance Service Charge – No Charge

Non-Interest DDA Account Charges

  • Maintenance Service Charge – No Charge

Flex Checking Account Charges

  • Maintenance Service Charge – No Charge

Premium Checking Account Charges

  • Maintenance Service Charge – $25 per month
    Monthly fee will be waived if account has eStatements and either: $50,000 in total consumer relationship balance all month OR $5,000 or more in total direct deposits monthly. 

18/65 Checking Account Fees

(Under Massachusetts law, if you are under the age of 19 or age 65 or older, Flex Checking is considered our 18/65 checking account and entitles you to the following reduced fees.)

  • Insufficient Funds Charge – Returned – $5.00
    (Overdrafts created by checks, ATM withdrawal, or other electronic means.)
  • Insufficient Funds Charge – Returned – $5.00
    (Overdrafts created by checks, ATM withdrawal, or other electronic means.)

    Each time an item is presented an Insufficient funds charge may be applied. 

  • Uncollected Funds Charge – $5.00
  • Stop Payment – $5.00

Other Checking Account Fees

  • Insufficient Funds Charge – Paid – $25.00
    (Overdrafts created by checks, ATM withdrawal, or other electronic means.)
  • Insufficient Funds Charge – Returned – $25.00
    (Overdrafts created by checks, ATM withdrawal, or other electronic means.)

    Each time an item is presented an Insufficient funds charge may be applied. 

  • Uncollected Funds Charge – $25.00
  • Stop Payment – $25.00
  • Instant Statement – $2.00 ea.
  • Statement Copy – $5.00 ea.
  • Check Copy – $5.00 ea.
    (First 25 each year are free)
  • Check Printing – 4 styles available for free, for others the fee varies by style order

ATM & Debit Card Service Charges

  • Foreign ATM (non-Needham Bank ATM) fees – 100% reimbursed for checking accounts
  • MasterMoney debit card transactions – No Charge
  • Debit Card Replacement – $5.00

Bank Services & Charges

Wire Transfer Fee

Wire fees are exclusive of other banks’ charges

  • Outgoing – Domestic – $25.00
  • Outgoing – Foreign – $40.00
  • Incoming – Foreign – $15.00

Check Processed

  • Foreign (in U.S. Funds, sent for collection) – Varies
  • In Foreign Funds – $25.00 ea.
    (collection charges are exclusive of other banks’ charges) 

Returned Check Charges

  • Returned third-party checks that have been Cashed or deposited to your account – No Charge

Other Charges

  • Official bank checks withdrawn from Savings, Checking or Money Market – One Free per Day; thereafter – $5.00 ea. 
  • Money Orders – Customers Only – Two Free per day; thereafter – $2.00 ea.
  • Debit Card Rush Fee – $62.00
  • Account Research (1 hour minimum) – $25.00/hr.
  • Attachment/Levy (per account) – $25.00
  • Notary Public – No Charge
  • Signature Guarantee (customers only) – No Charge
  • Abandoned Property Fee – $50.00
  • Summons to Trustee – $40.00

Night Deposit Box

  • Replacement Key – $10.00

Safe Deposit Box

(Not Available at All Locations)

Size – Annual Fee
2×5 – $50.00
3×5 – $75.00
3×10 – $100.00
5×10 – $130.00
10×10 – $225.00

  • Replacement Key – $25.00
  • Late Payment (after 30 days) – $10.00
  • Drilling – $225.00

Safe Deposit box contents are not insured by FDIC. Requires auto-pay from a Needham Bank checking account.

These charges are effective November 17, 2025.

Download Consumer Schedule of Charges