13 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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 Federal Savings Bank · $687M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Federal Savings Bank(this institution) | Rochester, IN | $687M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BankOrion | Orion, IL | $688M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank | Jacinto City, TX | $690M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank | Cameron, TX | $692M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Concordia Bank & Trust Company | Vidalia, LA | $667M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Constitution Bank, National Association | Hillsboro, IL | $683M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers Bank | Buhl, ID | $678M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Finance Factors, Ltd. | Honolulu, HI | $684M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank | Burkburnett, TX | $704M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Community Bank of Central Alabama | Wetumpka, AL | $694M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank of Livingston | Livingston, TX | $689M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FirstBank | Antlers, OK | $684M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Geddes Federal Savings and Loan Association | Syracuse, NY | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Henderson State Bank | Henderson, NE | $678M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Legacy Bank | Hinton, OK | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| New Tripoli Bank | New Tripoli, PA | $674M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pennian Bank | Mifflintown, PA | $668M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PS Bank | Wyalusing, PA | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Putnam County Bank | Hurricane, WV | $704M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Springs Valley Bank & Trust Company | French Lick, IN | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Citizens National Bank of Somerset | Somerset, KY | $701M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Hardin County Bank | Savannah, TN | $677M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Poca Valley Bank, Inc. | Walton, WV | $666M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Stephenson National Bank and Trust | Marinette, WI | $677M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TXN Bank | Hondo, TX | $669M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Yampa Valley Bank | Steamboat Springs, CO | $688M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Federal Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Amounts from First Federal Savings Bank’s own schedules, with a source for each figure.
per year
per year
per year
per year
per year
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive/Dormant Charge (Per Month) Three (3) years of inactivity for savings, twelve (12) months of inactivity for chec | $5 | per month | None |
| Inactive/Dormant Charge (Per Month) Three (3) years of inactivity for savings, twelve (12) months of inactivity for checking | $5 | per month | None |
Overdraft & NSF | |||
| ACH Overdraft (OD)/NSF Charge | $30 | Not stated | None |
| Overdraft (OD)/NSF Charge | $30 | Not stated | None |
| Returned Check Charge | $30 | Not stated | None |
ATM & Card | |||
| Non First Federal ATM Usage (Per Occurrence) | $2 | per item | None |
| Debit/ATM Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic (only) Wire Fee | $20 | Not stated | None |
| Incoming Domestic or International Wire Fee | $10 | Not stated | None |
Check Services | |||
| Official Check / Money Order | $5 | per item | None |
| Stop Payment (ACH & Check) | $30 | Not stated | None |
| Check Copies | $3 | Not stated | None |
Digital & Electronic | |||
| ACH Return Charge | $30 | Not stated | None |
| Bill Pay Online Banking Service | No charge | Not stated | None |
| Optional Next Day Online Bill Payment | $14.95 | Not stated | None |
| Optional Overnight Online Bill Payments | $9.95 | Not stated | None |
Account Services | |||
| Drilling Fee | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $125 | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $55 | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $75 | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $50 | per year | None |
Other Fees | |||
| Statement Copies (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
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.
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