Fee Schedule

Effective as of August 1st, 2010

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	$7.50	$0.15	FREE
Tiered Rate Money Market	$2,500.00	$7.50	$5.00*	FREE
Business Checking	$100.00	$7.50	$0.15	FREE
Interest rates can be found on the Rates page. * During each monthly statement period you are limited to making no more than 6 transfers by check, draft, debit card, preauthorized automatic transfer, or telephonic agreement, order or instruction. If you exceed the legal number of transfers in one month, you may be charged a penalty fee.

Schedule of Service Fees and Charges

Services	Fee
Deposited Items Returned	$4.50
Insufficient Funds Charge	$27.00
18/65 Insufficient Funds Charge	$5.00
Paid Insufficient Funds Charge	$27.00
18/65 Paid Insufficient Funds Charge	$5.00
Stop Payments	$27.00
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	$20.00/each
Savings Bonds	FREE
Lost Passbook	$15.00
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	0.25/trx
ATM Withdrawal Service Charge	FREE

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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