First Freedom Bank

Headquarters: Lebanon, Tennessee
Charter: Bank
Assets: $817.8M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
First Freedom Bank: $39
First Freedom Bank: $39
U.S. median: no median
NSF / Returned Item
First Freedom Bank: $39
First Freedom Bank: $39
U.S. median: no median
Stop Payment
First Freedom Bank: $39
First Freedom Bank: $39
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Early Closing Fee$15
Not compared: Monthly charge, not per item
per month
Account Balancing Assistance$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement Fee$5
per month

Overdraft & NSF

Overdraft (OD) OD Fee$39
per item
Insufficient Funds (NSF) NSF Fee$39
per item
1 st Continuous Overdraft Charge/Recurring Overdraft Charge$7.50
Daily continuous overdraft fee (audience not stated, treated as personal)$7.50
per day
Overdraft Line of Credit Transfer Fee (ODP Primary (CR) Fee)$7
per item
Sweep transfer fee$7
per transaction

ATM & Card

Replace ATM/Debit Card$10
Not compared: Annual charge, not per item
per year

Check Services

Official Check$5
Stop Payment – All Items$39
Collection Item (incoming & outgoing)$25

Cash & Deposit

Deposited Checks Returned Unpaid$15

Account Services

Safe Deposit Box 3x10$30
Safe Deposit Box 3x5$25
per year
Garnishments$100
Levies$100

Other Fees

Photocopy$0.25

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Fee	$15Not compared: Monthly charge, not per item	per month	None
Account Balancing Assistance	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement Fee	$5	per month	None
Overdraft & NSF
Overdraft (OD) OD Fee	$39	per item	None
Insufficient Funds (NSF) NSF Fee	$39	per item	None
1 st Continuous Overdraft Charge/Recurring Overdraft Charge	$7.50	Not stated	None
Daily continuous overdraft fee (audience not stated, treated as personal)	$7.50	per day	None
Overdraft Line of Credit Transfer Fee (ODP Primary (CR) Fee)	$7	per item	None
Sweep transfer fee	$7	per transaction	None
ATM & Card
Replace ATM/Debit Card	$10Not compared: Annual charge, not per item	per year	None
Check Services
Official Check	$5	Not stated	None
Stop Payment – All Items	$39	Not stated	None
Collection Item (incoming & outgoing)	$25	Not stated	None
Cash & Deposit
Deposited Checks Returned Unpaid	$15	Not stated	None
Account Services
Safe Deposit Box 3x10	$30	Not stated	None
Safe Deposit Box 3x5	$25	per year	None
Garnishments	$100	Not stated	None
Levies	$100	Not stated	None
Other Fees
Photocopy	$0.25	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

Correct a fee source

Nov 3, 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 First Freedom Bank's ach origination changes in our data

We check once a day and send one email covering every change.