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Service Fees

ATM/Debit Card Fees
Bath Savings ATM no charge
All Others $1 per transaction
Purchases no charge
Card Replacement $10
Certified Check $25
Collection $10 per item
Early Account Closure (within 90 days) $15
Electronic Banking Services
Personal & Business Online BillPay $5 per month1
ACH Transactions $6 per file and $.08 per item
$1.00 per returned item
IRA Transfer Fee to Another Source $25
Legal Processing
Writs, Summons, Levies, etc. $25
Loose Coin Verification
Non-customer 8% of total coin
Money Order/Treasurer’s Check
(Customer only, with savings deposit/withdrawal)
First no charge
Subsequent $3
Night Deposit Bag Replacement $10
Non-customer Check Cashed $8
Overdrafts (by check, in person withdrawal, or other electronic means)
Paid $28 per item
Partial Release of Mortgage
Processing Fee $895
Reconcilement $15 per hour
Research $15 per hour
Returned Deposit Items $8 per item
Safe Deposit Boxes cost based on size
Box Key Replacement $20
Box Drilling cost + $25
Signature Guarantee $5
Packard NOW Account Customer no charge
Special Request Statement $5
Stop Payment $22
Wire Transfer
Outgoing, Domestic $20
Outgoing, Foreign $50
Incoming, Customer no charge
Incoming, Non-customer $20
  1. No charge with eStatements (per item charges still apply)

Effective: July 2022

If you have a dispute with your financial institution regarding your deposit account, contact the financial institution’s consumer complaint representative or department and attempt to resolve the problem directly with the financial institution. If the financial institution fails to solve the problem, write a letter detailing the problem and the resolution you are seeking to: Consumer Outreach Program, Bureau of Financial Institutions, 36 State House Station, Augusta, ME 04333. The Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.