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

First Central Savings Bank

Glen Cove, New YorkBankNew York Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Monthly fee if the balance in account falls below any day in the cycle.$3Within the typical range ($3–$10 nationally)

Statement Reconciliation/Account Research (Per Hour)$50

$25 above the national median

Source

Overdraft & NSFVerified

Charge to Return CHECK$35Above the typical range ($25–$31 nationally)
$5 above the national median
Source

ATM & CardVerified

ATM withdrawal$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source
Transactions at FCSB ATM$0Below the typical range ($1–$2.50 nationally)
$1.75 below the national median
Source

Check ServicesVerified

Copy of Check or Statement (per item)$10Above the typical range ($2–$5 nationally)
$7 above the national median
per item · Source
Official Check$10Above the typical range ($3–$5.75 nationally)
$5 above the national median
Source

Digital & ElectronicVerified

ACH Return Charge$35Above the typical range ($19–$30 nationally)
$8 above the national median
Source

Cash & DepositVerified

Returned deposited item$10Within the typical range ($10–$25 nationally)
$5 below the national median
Source

Account ServicesVerified

2x5$35Within the typical range ($25–$80 nationally)
$10 below the national median
Source
3x10$95Above the typical range ($25–$80 nationally)
$50 above the national median
Source
4x10$125Above the typical range ($25–$80 nationally)
$80 above the national median
Source
4x5$60Within the typical range ($25–$80 nationally)
$15 above the national median
Source
5x10$145Above the typical range ($25–$80 nationally)
$100 above the national median
Source
5x5$70Within the typical range ($25–$80 nationally)
$25 above the national median
Source
Compliance / Legal Process (levy, subpoena, etc.)$125Above the typical range ($30–$75 nationally)
$75 above the national median
Source
Safe deposit 1 lost key$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source
Safe deposit late payment (30 days after due date)$10Below the typical range ($25–$80 nationally)
$35 below the national median
Source

Retirement & IRAVerified

IRA Transfer Fee$50Above the typical range ($25–$35 nationally)
$25 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Monthly fee if the balance in account falls below any day in the cycle.	$3Within the typical range ($3–$10 nationally)	$2.95 below the national median	per month	—	Source
Statement Reconciliation/Account Research (Per Hour)	$50Above the typical range ($20–$25 nationally)	$25 above the national median	—	—	Source
Overdraft & NSFVerified
Charge to Return CHECK	$35Above the typical range ($25–$31 nationally)	$5 above the national median	—	—	Source
ATM & CardVerified
ATM withdrawal	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	—	—	Source
Transactions at FCSB ATM	$0
Check ServicesVerified
Copy of Check or Statement (per item)	$10Above the typical range ($2–$5 nationally)	$7 above the national median	per item	—	Source
Official Check	$10
Digital & ElectronicVerified
ACH Return Charge	$35Above the typical range ($19–$30 nationally)	$8 above the national median	—	—	Source
Cash & DepositVerified
Returned deposited item	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Account ServicesVerified
2x5	$35Within the typical range ($25–$80 nationally)	$10 below the national median	—	—	Source
3x10	$95Above the typical range ($25–$80 nationally)
Retirement & IRAVerified
IRA Transfer Fee	$50Above the typical range ($25–$35 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.

NSF fee: $35

17% above the national median NSF fee

Total fees: 19 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$1.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.0B

Total deposits

$891.0M

Service charge income

$176K

Fee income ratio

1.7%

Return on assets

0.93%

Branches

Service charge income by quarter

Q2 2026$176K

Q1 2026$108K

Q4 2025$82K

Q3 2025$71K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 33,861 verified fees from 2,470 institutions

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