17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 19, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Basic Checking Account
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
First Central Savings Bank · $1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Central Savings Bank(this institution) | Glen Cove, NY | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of the James | Lynchburg, VA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BNC National Bank | Glendale, AZ | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Brannen Bank | Inverness, FL | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Brentwood Bank | Bethel Park, PA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Calvin B. Taylor Banking Company of Berlin, Maryland | Berlin, MD | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Clear Mountain Bank | Bruceton Mills, WV | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association of Greene Co | Waynesburg, PA | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Metro Bank | Muscle Shoals, AL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Service Bank | Greenbrier, AR | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| GNBank, National Association | Girard, KS | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Grand Savings Bank | Grove, OK | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kirkpatrick Bank | Edmond, OK | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Magyar Bank | New Brunswick, NJ | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Olympia Federal Savings and Loan Association | Olympia, WA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| OneLocal Bank | Norwood, MA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Presidential Bank, FSB | Bethesda, MD | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| R Bank | Round Rock, TX | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River Bank | Stoddard, WI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Financial Bank | Durand, WI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior National Bank | Hancock, MI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Port Washington State Bank | Port Washington, WI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Torrington Savings Bank | Torrington, CT | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vision Bank | Ada, OK | $1000M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Walden Savings Bank | Montgomery, NY | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3, the middle of its two prices, against a peer median of $6.50 among 18 publishing peers.
Its two checking prices are $3 and $3.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Amounts from First Central Savings Bank’s own schedules, with a source for each figure.
| 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 |
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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