MountainOne Bank

Headquarters: North Adams, Massachusetts
Charter: Bank
Assets: $1.1B
Fed district: Boston

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
MountainOne Bank: $10
MountainOne Bank: $10
U.S. median: no median
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
MountainOne Bank: $5 to $32
MountainOne Bank: $5 to $32
U.S. median: no median
NSF / Returned Item
Compared at $18.50, the middle of its prices
MountainOne Bank: $5 to $32
MountainOne Bank: $5 to $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 MountainOne Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee (audience not stated, treated as personal)$10
per month
Monthly Inactivity Fee (audience not stated, treated as personal)$5
per month
Account Research (per hour/one hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee (audience not stated, treated as personal)$5

Overdraft & NSF

OD Privilege Fee (per item)$32
per item
OD Privilege Fee for 18/65 accounts$5
NSF Returned Fee (audience not stated, treated as personal)$32
NSF Returned Fee for 18/65 accounts (audience not stated, treated as personal)$5
ODP Transfer Fee$5
per item · No charge for VISTA accounts

Wire Transfers

Wire Transfers: Domestic - outgoing (audience not stated, treated as personal)$25
Wire Transfers: Domestic – incoming (audience not stated, treated as personal)$15
Wire Transfers: International – incoming (audience not stated, treated as personal)$15

Check Services

Treasurer’s Checks (1 free per day) then (audience not stated, treated as personal)$10
per item
Stop Payments$25

Account Services

Safe Deposit Box Drilling (plus any additional costs to Bank) (audience not stated, treated as personal)$175
Not compared: Box drilling or key fee
Safe Deposit Box Replacement Key Fee (audience not stated, treated as personal)$55
Not compared: Box drilling or key fee
Attachment/Levy of any deposit account(s)$100

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee (audience not stated, treated as personal)	$10	per month	None
Monthly Inactivity Fee (audience not stated, treated as personal)	$5	per month	None
Account Research (per hour/one hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee (audience not stated, treated as personal)	$5	Not stated	None
Overdraft & NSF
OD Privilege Fee (per item)	$32	per item	None
OD Privilege Fee for 18/65 accounts	$5	Not stated	None
NSF Returned Fee (audience not stated, treated as personal)	$32	Not stated	None
NSF Returned Fee for 18/65 accounts (audience not stated, treated as personal)	$5	Not stated	None
ODP Transfer Fee	$5	per item	No charge for VISTA accounts
Wire Transfers
Wire Transfers: Domestic - outgoing (audience not stated, treated as personal)	$25	Not stated	None
Wire Transfers: Domestic – incoming (audience not stated, treated as personal)	$15	Not stated	None
Wire Transfers: International – incoming (audience not stated, treated as personal)	$15	Not stated	None
Check Services
Treasurer’s Checks (1 free per day) then (audience not stated, treated as personal)	$10	per item	None
Stop Payments	$25	Not stated	None
Account Services
Safe Deposit Box Drilling (plus any additional costs to Bank) (audience not stated, treated as personal)	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Replacement Key Fee (audience not stated, treated as personal)	$55Not compared: Box drilling or key fee	Not stated	None
Attachment/Levy of any deposit account(s)	$100	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Pinnacle Business Checking Monthly Inactivity Fee$10
per month · With no transactions and account balances less than $1,000 for 3 months
Account Research (per hour/one hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

OD Privilege Fee (per item)$32
per item
OD Privilege Fee for 18/65 accounts$5
ODP Transfer Fee$5
per item · No charge for VISTA accounts

Check Services

Stop Payments$25

Account Services

Attachment/Levy of any deposit account(s)$100

Fee	Amount	Basis	Note
Account Maintenance
Pinnacle Business Checking Monthly Inactivity Fee	$10	per month	With no transactions and account balances less than $1,000 for 3 months
Account Research (per hour/one hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
OD Privilege Fee (per item)	$32	per item	None
OD Privilege Fee for 18/65 accounts	$5	Not stated	None
ODP Transfer Fee	$5	per item	No charge for VISTA accounts
Check Services
Stop Payments	$25	Not stated	None
Account Services
Attachment/Levy of any deposit account(s)	$100	Not stated	None

Correct a fee source

Oct 5, 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.

Fee change alerts

Get an email when MountainOne Bank's nsf / returned item changes in our data

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Fees against the market

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

Monthly Maintenance
MountainOne Bank: $10
MountainOne Bank: $10
U.S. median: no median
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
MountainOne Bank: $5 to $32
MountainOne Bank: $5 to $32
U.S. median: no median
NSF / Returned Item
Compared at $18.50, the middle of its prices
MountainOne Bank: $5 to $32
MountainOne Bank: $5 to $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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.

Published fee schedule

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

Account Maintenance

Monthly Maintenance Fee (audience not stated, treated as personal)$10
per month
Monthly Inactivity Fee (audience not stated, treated as personal)$5
per month
Account Research (per hour/one hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee (audience not stated, treated as personal)$5

Overdraft & NSF

OD Privilege Fee (per item)$32
per item
OD Privilege Fee for 18/65 accounts$5
NSF Returned Fee (audience not stated, treated as personal)$32
NSF Returned Fee for 18/65 accounts (audience not stated, treated as personal)$5
ODP Transfer Fee$5
per item · No charge for VISTA accounts

Wire Transfers

Wire Transfers: Domestic - outgoing (audience not stated, treated as personal)$25
Wire Transfers: Domestic – incoming (audience not stated, treated as personal)$15
Wire Transfers: International – incoming (audience not stated, treated as personal)$15

Check Services

Treasurer’s Checks (1 free per day) then (audience not stated, treated as personal)$10
per item
Stop Payments$25

Account Services

Safe Deposit Box Drilling (plus any additional costs to Bank) (audience not stated, treated as personal)$175
Not compared: Box drilling or key fee
Safe Deposit Box Replacement Key Fee (audience not stated, treated as personal)$55
Not compared: Box drilling or key fee
Attachment/Levy of any deposit account(s)$100

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee (audience not stated, treated as personal)	$10	per month	None
Monthly Inactivity Fee (audience not stated, treated as personal)	$5	per month	None
Account Research (per hour/one hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee (audience not stated, treated as personal)	$5	Not stated	None
Overdraft & NSF
OD Privilege Fee (per item)	$32	per item	None
OD Privilege Fee for 18/65 accounts	$5	Not stated	None
NSF Returned Fee (audience not stated, treated as personal)	$32	Not stated	None
NSF Returned Fee for 18/65 accounts (audience not stated, treated as personal)	$5	Not stated	None
ODP Transfer Fee	$5	per item	No charge for VISTA accounts
Wire Transfers
Wire Transfers: Domestic - outgoing (audience not stated, treated as personal)	$25	Not stated	None
Wire Transfers: Domestic – incoming (audience not stated, treated as personal)	$15	Not stated	None
Wire Transfers: International – incoming (audience not stated, treated as personal)	$15	Not stated	None
Check Services
Treasurer’s Checks (1 free per day) then (audience not stated, treated as personal)	$10	per item	None
Stop Payments	$25	Not stated	None
Account Services
Safe Deposit Box Drilling (plus any additional costs to Bank) (audience not stated, treated as personal)	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Replacement Key Fee (audience not stated, treated as personal)	$55Not compared: Box drilling or key fee	Not stated	None
Attachment/Levy of any deposit account(s)	$100	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Pinnacle Business Checking Monthly Inactivity Fee$10
per month · With no transactions and account balances less than $1,000 for 3 months
Account Research (per hour/one hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

OD Privilege Fee (per item)$32
per item
OD Privilege Fee for 18/65 accounts$5
ODP Transfer Fee$5
per item · No charge for VISTA accounts

Check Services

Stop Payments$25

Account Services

Attachment/Levy of any deposit account(s)$100

Fee	Amount	Basis	Note
Account Maintenance
Pinnacle Business Checking Monthly Inactivity Fee	$10	per month	With no transactions and account balances less than $1,000 for 3 months
Account Research (per hour/one hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
OD Privilege Fee (per item)	$32	per item	None
OD Privilege Fee for 18/65 accounts	$5	Not stated	None
ODP Transfer Fee	$5	per item	No charge for VISTA accounts
Check Services
Stop Payments	$25	Not stated	None
Account Services
Attachment/Levy of any deposit account(s)	$100	Not stated	None

Correct a fee source

Oct 5, 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.