Schedule of Charges

Bank Deposit Account Charges & Fees

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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

NB Checking Account Charges

• Maintenance Service Charge - No Charge

18/65 Checking Account Fees

(Under Massachusetts law, if you are under the age of 19 or age 65 or older, NB 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

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