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, $1B to $10B

Cornerstone Bank

Spencer, MassachusettsBankBoston Fed districtFees collected Oct 6, 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 Inactivity Fee (Charged to accounts with no activity for 1096 days)$4Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Nonsufficient Funds Fee-Paid +$30Within the typical range ($25–$33 nationally)
At the national medianAt the Massachusetts median
per item · Source
Nonsufficient Funds Fee-Returned +$30Within the typical range ($25–$32 nationally)
At the national medianAt the Massachusetts median
per item · Source

Check ServicesVerified

Bank Check Fee$5Within the typical range ($3–$6 nationally)
At the national medianAt the Massachusetts median
per item · Source
Money Order Fee$3Within the typical range ($1.50–$3 nationally)
$1 above the national medianAt the Massachusetts median
Source
Stop Payment Fee (ACH, Checks, Bank Checks or Money Orders)$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$3.75 above the Massachusetts median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Inactivity Fee (Charged to accounts with no activity for 1096 days)	$4Below the typical range ($5–$10 nationally)	$1 below the national median$1 below the Massachusetts median	per month	—	Source
Research Fee – (1 hour minimum)	$25Within the typical range ($12–$25 nationally)	$7.50 above the national medianAt the Massachusetts median	—	—	Source
Overdraft & NSFVerified
Nonsufficient Funds Fee-Paid +	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Massachusetts median	per item	—	Source
Nonsufficient Funds Fee-Returned +	$30
ATM & CardVerified
ATM/Debit Card lost or replacement card reorder Fee	$15Above the typical range ($5–$10 nationally)	$5 above the national median$5 above the Massachusetts median	per item	—	Source
Wire TransfersVerified
Wire Transfer Fees – Domestic Outgoing	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Massachusetts median	—	—	Source
Check ServicesVerified
Bank Check Fee	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Massachusetts median	per item	—	Source
Money Order Fee	$3
Cash & DepositVerified
Returned Check Charge (Deposited Items)	$6.84Below the typical range ($8–$25 nationally)	$8.16 below the national median$0.30 below the Massachusetts median	—	—	Source
Account ServicesVerified
Levy Fee	$75Within the typical range ($30–$90 nationally)	$25 above the national median$25 above the Massachusetts median	—	—	Source

Fee change alerts

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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

11 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$2.6B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$2.6B

Total deposits

$1.9B

Service charge income

$1.1M

Fee income ratio

5.1%

Return on assets

0.50%

Branches

Service charge income by quarter

Q2 2026$1.1M

Q1 2026$1.2M

Q4 2025$744K

Q3 2025$804K

Financial profile · Pro

Performance from regulator filings

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Based on 65,682 published fee entries from 3,608 institutions

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