Effective August 1, 2025

Checking Charges

Insufficient/Uncollected Funds (for items $100.00 or more)*

$30.00

Insufficient/Uncollected Funds 18/65 (for items $100.00 or more)*

$5.00

*Fees apply to overdrafts created by check or in-person withdrawal. Maximum of three (3) fees will be charged per day.

Returned Deposited Item

$6.00

Stop Payment Fee

$25.00

Check Printing Charge

Varies

(Fee depends on style of check requested)

Account Research

Account Research Fee (per hour)

$30.00

Money Order Fees

Bank Customer

1 Free

Additional Money Orders

$3.00

Treasurer's Check Fees

Bank Customer

1 Free

Additional Treasurer's Checks

$5.00

Other Fees and Charges

Coupon Fee (per envelope)

$10.00

Lost Passbook Fee

$5.00

Replacement ATM/Debit Card Fee

$10.00

Expedited Delivery of ATM/Debit Card

Varies

Preparation of Subordination Agreement

$100.00

Lien Release

$5.00

Levy Fee

$100.00

Notary Fee (customers only)

No Charge

Foreign Currency Shipment Fee

$20.00

Foreign Check Shipment Fee

$12.00

Monthly Dormancy Fee

$5.00

(Account balance less than $25.00 inactive for six (6) months)

Escheatment Fee (MA Abandoned Property)

$50.00

IRA Transfer Fee (out-going)

$50.00

Paper Statement Fee

$2.00

Bill Payment - Overnight Check

$12.95

Bill Payment - Same Day Payment

$9.95

Wire Transfer Fees

Incoming

No Charge

Outgoing - Domestic

$20.00

Outgoing - Domestic (Online)

$10.00

Outgoing - International

$40.00

Safe Deposit Box Annual Rental Fees

(Contents not insured by the FDIC or The Village Bank)

2" x 5" Safe Deposit Box

$40.00

3" x 5" Safe Deposit Box

$50.00

5" x 5" Safe Deposit Box

$70.00

3" x 10" Safe Deposit Box

$85.00

5" x 10" Safe Deposit Box

$120.00

10" x 10" Safe Deposit Box

$225.00

Other Safe Deposit Fees

Safe Deposit Box Drilling

$250.00

Replace Lost Key

$15.00

Safe Deposit Box Late Fee

$10.00

FEE WAIVER NOTICE

If all the owners of a checking or savings account are under 19 years of age or 65 years of age or older (except for the spouse of the owner), the bank may assess a fee for certain services in accordance with the bank’s published service charge schedule which shall include stop payment orders, wire transfers, certified or bank checks, money orders, and deposit items returned, transactions at electronic branches and through other electronic devices, and services not directly associated with the deposit, withdrawal or transfer of funds from any such account as may be approved by the commissioner; and the bank may assess a reasonable charge, as determined by the account when payment on a check on the account has been refused because of insufficient funds. A $5.00 fee for checks returned as a result of insufficient funds will be charged.