First Central Savings Bank

Headquarters: Glen Cove, New York
Charter: Bank
Assets: $1.0B
Fed district: New York

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Monthly Maintenance
Basic Checking Account
First Central Savings Bank: $3
First Central Savings Bank: $3
U.S. median: no median
NSF / Returned Item
First Central Savings Bank: $35
First Central Savings Bank: $35
U.S. median: no median
Non-Network ATM
First Central Savings Bank: $1
First Central Savings Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York 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).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 First Central Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Account Monthly fee$3
per month
Monthly fee if the balance in account falls below $250.00$3
per month
Statement Reconciliation/Account Research (Per Hour)$50
Not compared: Charged per hour; comparison unavailable
per hour · Statement Reconciliation/Account Research (Per Hour) | $50.00

Overdraft & NSF

ACH OD/NSF Charge$35
Charge to Return CHECK$35

ATM & Card

ATM withdrawal$1

Wire Transfers

WIRE TRANSFERS: Outgoing Domestic$35
WIRE TRANSFERS: Incoming$30
WIRE TRANSFERS: Outgoing International$50

Check Services

Official Check$10
Check Printing varies by check style$95
Collection Items (minimum fee)$50
Copy of Check or Statement (per item)$10
per item

Digital & Electronic

ACH Return Charge$35
Online Banking and BillpayNo charge
Not compared: Annual charge, not monthly
per year

Cash & Deposit

Returned deposited item$10

Account Services

Safe deposit 1 lost key$50
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$245
Safe Deposit Box 15x10$265
Safe Deposit Box 2x5$35
Safe Deposit Box 3x10$95
Safe Deposit Box 3x5$50
Safe Deposit Box 4x10$125
Safe Deposit Box 4x5$60
Safe Deposit Box 5x10$145
Safe Deposit Box 5x5$70
Safe Deposit Box 7x10$225
Safe deposit break$200
Safe deposit late payment (30 days after due date)$10
Not compared: Box drilling or key fee
Compliance / Legal Process (levy, subpoena, etc.)$125
Consulate Letter / Verification Letter$25

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Copy of Transaction Slips$10
Fax Transmission (per page)$1
Not compared: Charged per page; comparison unavailable
per page · Fax Transmission (per page) | $1.00

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Account Monthly fee	$3	per month	None
Monthly fee if the balance in account falls below $250.00	$3	per month	None
Statement Reconciliation/Account Research (Per Hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	Statement Reconciliation/Account Research (Per Hour) \| $50.00
Overdraft & NSF
ACH OD/NSF Charge	$35	Not stated	None
Charge to Return CHECK	$35	Not stated	None
ATM & Card
ATM withdrawal	$1	Not stated	None
Wire Transfers
WIRE TRANSFERS: Outgoing Domestic	$35	Not stated	None
WIRE TRANSFERS: Incoming	$30	Not stated	None
WIRE TRANSFERS: Outgoing International	$50	Not stated	None
Check Services
Official Check	$10	Not stated	None
Check Printing varies by check style	$95	Not stated	None
Collection Items (minimum fee)	$50	Not stated	None
Copy of Check or Statement (per item)	$10	per item	None
Digital & Electronic
ACH Return Charge	$35	Not stated	None
Online Banking and Billpay	No chargeNot compared: Annual charge, not monthly	per year	None
Cash & Deposit
Returned deposited item	$10	Not stated	None
Account Services
Safe deposit 1 lost key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$245	Not stated	None
Safe Deposit Box 15x10	$265	Not stated	None
Safe Deposit Box 2x5	$35	Not stated	None
Safe Deposit Box 3x10	$95	Not stated	None
Safe Deposit Box 3x5	$50	Not stated	None
Safe Deposit Box 4x10	$125	Not stated	None
Safe Deposit Box 4x5	$60	Not stated	None
Safe Deposit Box 5x10	$145	Not stated	None
Safe Deposit Box 5x5	$70	Not stated	None
Safe Deposit Box 7x10	$225	Not stated	None
Safe deposit break	$200	Not stated	None
Safe deposit late payment (30 days after due date)	$10Not compared: Box drilling or key fee	Not stated	None
Compliance / Legal Process (levy, subpoena, etc.)	$125	Not stated	None
Consulate Letter / Verification Letter	$25	Not stated	None
Retirement & IRA
IRA Transfer Fee	$50	Not stated	None
Other Fees
Copy of Transaction Slips	$10	Not stated	None
Fax Transmission (per page)	$1Not compared: Charged per page; comparison unavailable	per page	Fax Transmission (per page) \| $1.00

Correct a fee source

Oct 19, 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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