Fee Schedule

Effective as of August 1st, 2008

No monthly maintenance charge or per check charge if the minimum balance requirements are met. See Deposit Account Disclosure.

Schedule of Maintenance Service Charges

Type of Account
Monthly Minimum
Monthly Charges
Per Check Charge
18/65 Fee
N.O.W. Checking
$100.00
$5.00
$0.15
FREE
Tiered Rate
Money Market
$2,500.00
$5.00
$5.00*
FREE
Business Checking
$100.00
$5.00
$0.15
FREE

Interest rates can be found on the Rates page.

*You may make 6 transfers from your account, but only 3 may be payments by check to third parties. After 3 checks in a statement cycle, we will charge per check.

Schedule of Service Fees and Charges

Services
Fee
Deposited Items Returned
$4.00
Insufficient Funds Charge
$25.00
18/65 Insufficient Funds Charge
$5.00
Paid Insufficient Funds Charge
$25.00
18/65 Paid Insufficient Funds Charge
$5.00
Stop Payments
$20.00
Certified Checks
$10.00
Money Orders
$2.00
Money Orders - Non Customers
$4.00
Treasurer's Checks
$3.00
Treasurer's Checks - Non Customers
$6.00
Travelers Checks
FREE
Travelers Checks - Non Customers
1% of total
Gift Checks
$2.50
Wire Transfer In
$10.00
Wire Transfer Out
$20.00
Item Research
$25.00/hr
Reconciling Bank Statements
$25.00/hr
Duplicate Statements
$3.00/each
Foreign Checks Sent for Collection plus fees   assessed by other banks
$5.00/each
Savings Bonds
FREE
Lost Passbook
$10.00
Debit/ATM Card Replacement
$15.00
Notary Non-Customer
$2.50
New Account Closed within 30 days
$5.00
Holiday Club Early Closeout
$5.00
Dormant Account Remittance Fee
$50.00
Account Levy
$50.00
IRA Transfers Out
$25.00
POS Purchases
FREE
ATM Withdrawal Service Charge
FREE

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Merrimac Savings Bank is a community bank serving the communities of West Newbury and Merrimac MA, as well as Newton, NH.

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