Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Rollstone Bank & Trust

Fitchburg, MassachusettsBankBoston Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closing Fee (account closed within 90 days of opening)$25Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Insufficient Funds Fee$30Within the typical range ($25–$31 nationally)
At the national median
Source
Insufficient Funds Fee on Lifeline 18/65 Checking, Student Checking, or Statement Savings$5Below the typical range ($25–$31 nationally)
$25 below the national median
Source
Overdraft Fee$30Within the typical range ($25–$32 nationally)
At the national median
Source
Overdraft Item on Lifeline 18/65 Checking or Statement Savings "Overdraft Fee"$5Below the typical range ($25–$32 nationally)
$25 below the national median
Source

Wire TransfersVerified

Wire Transfer Incoming (Domestic)$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Wire Transfer Incoming (International)$50Above the typical range ($10–$25 nationally)
$30 above the national median
Source
Wire Transfer Outgoing (International)$50Within the typical range ($40–$50 nationally)
At the national median
Source

Check ServicesVerified

Bank Check$5Within the typical range ($3–$6 nationally)
At the national median
Source
Bank Money Order$2Within the typical range ($1.50–$3 nationally)
At the national median
Source
Check Printing Costs Varies Collection Item Fee - Foreign (Canadian)$20Within the typical range ($1–$20 nationally)
$15 above the national median
Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Digital & ElectronicVerified

ACH Origination Model$35Above the typical range ($5–$20 nationally)
$25 above the national median
Source
Bill Pay$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Source
Mobile Deposit$0Within the typical range ($0–$0 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closing Fee (account closed within 90 days of opening)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	per month	—	Source
Positive Pay (monthly fee)	$40Above the typical range ($3–$10 nationally)	$34.51 above the national median	per month	—	Source
Remote Deposit Capture Machine Rental (monthly fee)	$15Above the typical range ($3–$10 nationally)	$9.51 above the national median	per month	—	Source
Remote Deposit Service Fee (monthly fee)	$35Above the typical range ($3–$10 nationally)	$29.51 above the national median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds Fee	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
Insufficient Funds Fee on Lifeline 18/65 Checking, Student Checking, or Statement Savings	$5
ATM & CardVerified
ATM/Debit Card Replacement Card Fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Wire Transfer Incoming (Domestic)	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Wire Transfer Incoming (International)	$50
Check ServicesVerified
Bank Check	$5Within the typical range ($3–$6 nationally)	At the national median	—	—	Source
Bank Money Order	$2
Digital & ElectronicVerified
ACH Origination Model	$35Above the typical range ($5–$20 nationally)	$25 above the national median	—	—	Source
Bill Pay	$0
Account ServicesVerified
Levy Fee	$75Within the typical range ($30–$75 nationally)	$25 above the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 20 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$816.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$816.3M

Total deposits

$677.3M

Service charge income

$65K

Fee income ratio

1.3%

Return on assets

0.08%

Branches

Service charge income by quarter

Q2 2026$65K

Q1 2026$66K

Q4 2025$106K

Q3 2025$51K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 46,468 published fee entries from 2,882 institutions

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