The Savings Bank

Effective October 15, 2021

Depositors under 19 years of age or over 65 may qualify as exempt from certain banking service fees including Statement Savings and Basic Checking benefits by notifying the Bank and presenting proof of age.

General Fees

Abandoned Account Processing

$100.00

ATM Monthly Activity Fee* (Withdrawals, Deposits, Transfers at Non-AWAKE-24 ATMs). Per transaction

$2.00

ATM Monthly Inquiry Fee (Non-AWAKE24 ATMs). Per inquiry

$1.50

ATM/Debit Card Reissue

$10.00

ATM/Debit Card Reissue Rush

$60.00

Closing Service Charge – If account is closed within 90 days

$25.00

Coin Counter - Main Office Only

8% of total

Collection Items - Outgoing - Canadian

$25.00

Collection Items - Outgoing - Other foreign items

$40.00

Copies of Documents

$5.00

Copies of Statements - Additional/Duplicate/Interim

$5.00

Foreign Currency - Greater of 1% of purchase or

$5.00

Lost Passbook Fee

$15.00

Money Order - Customer

$4.00

Money Order - Non-Customer

$5.00

Overdraft(1) / Unavailable(2)

Return Check Charge (check is returned)

$33.00

Overdraft (check is paid)

$33.00

ACH OD/NSF Charge

$33.00

ACH Return Charge

$33.00

OD/NSF Charge (ATM withdrawal)

$33.00

Overdraft - Under 19/Over 65 (1)/ Unavailable(2)

Return Check Charge (check is returned)

$5.00

Overdraft (check is paid)

$5.00

ACH OD/NSF Charge

$5.00

ACH Return Charge

$5.00

OD/NSF Charge (ATM withdrawal)

$5.00

Consecutive Day OD Fee(2)

$35.00

Research - (Per hour) 1 hour min.

$25.00

Trustee Fee (retirement Plan- IRA Annual Fee)

$15.00

Trustee Fee (retirement Plan- IRA Transfer Fee)

$40.00

Deposit Item Returned Fee (Consumer Account)

$7.11

NSF Fees (Returned Loan Payment Fee)

$33.00

Returned Mail Fee - (Per Statement)

$5.00

Stop Payment Fee - (Per Item)

$33.00

Tax Levy, Attachment, Lien, or Writ Fee

$75.00

Treasurer's Check

$7.50

Wire Transfer Fee (Incoming Domestic)

$11.00

Wire Transfer Fee (Outgoing Domestic)

$25.00

Wire Transfer Fee (Incoming Foreign)

$20.00

Wire Transfer Fee (Outgoing Foreign)

$45.00

1. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, preauthorized transfers or recurring debit card transactions. ATM withdrawals and one-time debit card transactions will only be authorized and charged an overdraft fee if you request this service. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. No fees will be charged when the account is overdrawn $10.00 or less, including the consecutive day OD fee. Overdraft fees are assessed on up to six items per day, with a maximum not to exceed $198.
2. Fee for a check, in-person withdrawal, ATM withdrawal, or other electronic withdrawal paid or returned against unavailable funds.
3. The Consecutive Day OD Fee is assessed after five consecutive business days of a negative balance.

Personal Checking Fees

Basic Checking

Statement Fee

$5.00

eChecking

We will reimburse up to $6 per statement cycle for surcharges assessed at Non-AWAKE24 ATMs.

Checks posted in excess of 6 per statement cycle - Per Check Charge.

$0.50

Paper Statement Fee

$5.00

Interest Checking

Monthly Service Fee - Waived if daily balance of $600 is maintained.

$10.00

Premium Checking

Monthly Service Fee - Waived if daily combined balance of $25,000 is maintained.

$20.00

Student Checking

We will reimburse up to $10 per statement cycle for surcharges assessed at Non-AWAKE24 ATMs.

Paper Statement Fee

$5.00

Personal Savings Fees

Statement/Passbook Savings 

Monthly Service Fee - Waived if the daily balance of $250 is maintained.

$1.00

Investment Savings

Monthly Service Fee - Waived if the daily balance of $2,500 is maintained.

$15.00

Money Market

Monthly Service Fee - Waived if the daily balance of $2,500 is maintained.

$15.00

Safe Deposit Box

Location

Annual Fee

2" x 5"

Andover

$40.00

3" x 5"

Andover/Methuen

$50.00

5" x 5"

Andover/Methuen

$60.00

2" x 10"

Andover

$75.00

3" x 10"

Andover/Methuen

$85.00

5" x 10"

Andover/Methuen

$115.00

10" x 10"

Andover/Methuen

$200.00

ADDITIONAL FEES

Key Replacement

$20.00

Lock Replacement

$525.00

Late Payment Fee

$5.00

The Savings Bank reserves the right to change fees from time to time upon advance notice to our customers. This notification may be enclosed with your statement, mailed directly to you, or given verbally prior to purchase or use of a service.

*Not responsible for fees imposed by other banks.

Talk to The Savings Bank

To find out how The Savings Bank can help you achieve all your financial goals, visit one of our branch locationsuse our contact form, or call us at 800-246-2009.

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