Cornerstone Bank

Headquarters: Spencer, Massachusetts
Charter: Bank
Assets: $2.6B
Fed district: Boston

10 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Cornerstone Bank: $30
Cornerstone Bank: $30
U.S. median: no median
NSF / Returned Item
Cornerstone Bank: $30
Cornerstone Bank: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Cornerstone Bank: $25
Cornerstone Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Massachusetts, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Cornerstone Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Inactivity Fee (Charged to accounts with no activity for 1096 days)$4
per month
Research Fee – (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Nonsufficient Funds Fee-Paid +$30
per item
Nonsufficient Funds Fee-Returned +$30
per item

ATM & Card

ATM/Debit Card lost or replacement card reorder Fee$15
per item

Wire Transfers

Wire Transfer Fees – Domestic Outgoing$25

Check Services

Bank Check Fee$5
per item
Money Order Fee$3
Stop Payment Fee (ACH, Checks, Bank Checks or Money Orders)$30
per item

Cash & Deposit

Returned Check Charge (Deposited Items)$6.84

Account Services

Levy Fee$75

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity Fee (Charged to accounts with no activity for 1096 days)	$4	per month	None
Research Fee – (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Nonsufficient Funds Fee-Paid +	$30	per item	None
Nonsufficient Funds Fee-Returned +	$30	per item	None
ATM & Card
ATM/Debit Card lost or replacement card reorder Fee	$15	per item	None
Wire Transfers
Wire Transfer Fees – Domestic Outgoing	$25	Not stated	None
Check Services
Bank Check Fee	$5	per item	None
Money Order Fee	$3	Not stated	None
Stop Payment Fee (ACH, Checks, Bank Checks or Money Orders)	$30	per item	None
Cash & Deposit
Returned Check Charge (Deposited Items)	$6.84	Not stated	None
Account Services
Levy Fee	$75	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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