First Federal Savings and Loan Association of Lorain

Headquarters: Lorain, Ohio
Charter: Bank
Assets: $573.8M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Monthly Maintenance
Request to Open An Account $5 to $7 · Anchor Checking $6
Compared at $6, the middle of its prices
First Federal Savings and Loan Association of Lorain: $5 to $7
First Federal Savings and Loan Association of Lorain: $5 to $7
U.S. median: no median
NSF / Returned Item
First Federal Savings and Loan Association of Lorain: $33
First Federal Savings and Loan Association of Lorain: $33
U.S. median: no median
Wire Transfer (Domestic Out)
First Federal Savings and Loan Association of Lorain: $20
First Federal Savings and Loan Association of Lorain: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 Federal Savings and Loan Association of Lorain’s own schedules, with a source for each figure.

Account Maintenance

Anchor Checking Monthly fee$6
per month
Low monthly fee$5
per month
Monthly fee$7
per month
Early Account Closing (within six months of opening) (audience not stated, treated as personal)$25
Dormant Account$5
Not compared: Quarterly charge, not monthly
per quarter
Dormant account fee$5
per month
Research Per Hour (Including account balancing assistance)$22
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee, fee$5
Undeliverable Mail (audience not stated, treated as personal)$5
per month

Overdraft & NSF

Non-Sufficient Funds (ACH, ATM/Debit/Check) Each Item (audience not stated, treated as personal)$33
per item
Overdraft fee - transfer from saving account (audience not stated, treated as personal)$5
Overdraft Daily Cap (audience not stated, treated as personal)$198
per day · maximum 6 fees per day per account

ATM & Card

Replace (Lost) ATM or Debit Card (audience not stated, treated as personal)$10

Wire Transfers

Outgoing Wire- Domestic (audience not stated, treated as personal)$20
Outgoing Wire - International (audience not stated, treated as personal)$40
Incoming Wire Fee (Domestic/International)$10
per item

Check Services

Cashier's Check (audience not stated, treated as personal)$5
per item
Personal Money Order (audience not stated, treated as personal)$3
per item
Stop Payment (All Items) (audience not stated, treated as personal)$33
Check Cashing – Canadian checks (audience not stated, treated as personal)$5
per item
Check Cashing – checks drawn on banks in UK, France, Germany, and Japan (audience not stated, treated as personal)$20
per item
Check Cashing – On Us Checks for non-customer (audience not stated, treated as personal)$10
per item
Copy of Check (audience not stated, treated as personal)$5
per item

Cash & Deposit

Coin Machine5%
Return Check Fee (audience not stated, treated as personal)$15

Account Services

Safe Deposit Box Drilling Fee (audience not stated, treated as personal)$125
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement$25
Not compared: Box drilling or key fee
Garnishments (audience not stated, treated as personal)$50
per item
Tax Levy (audience not stated, treated as personal)$50
per item
Subpoena and IRS Summons: Research Fee$37
Not compared: Charged per hour; comparison unavailable
per hour

Other Fees

Subpoena and IRS Summons: Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Anchor Checking Monthly fee	$6	per month	None
Low monthly fee	$5	per month	None
Monthly fee	$7	per month	None
Early Account Closing (within six months of opening) (audience not stated, treated as personal)	$25	Not stated	None
Dormant Account	$5Not compared: Quarterly charge, not monthly	per quarter	None
Dormant account fee	$5	per month	None
Research Per Hour (Including account balancing assistance)	$22Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee, fee	$5	Not stated	None
Undeliverable Mail (audience not stated, treated as personal)	$5	per month	None
Overdraft & NSF
Non-Sufficient Funds (ACH, ATM/Debit/Check) Each Item (audience not stated, treated as personal)	$33	per item	None
Overdraft fee - transfer from saving account (audience not stated, treated as personal)	$5	Not stated	None
Overdraft Daily Cap (audience not stated, treated as personal)	$198	per day	maximum 6 fees per day per account
ATM & Card
Replace (Lost) ATM or Debit Card (audience not stated, treated as personal)	$10	Not stated	None
Wire Transfers
Outgoing Wire- Domestic (audience not stated, treated as personal)	$20	Not stated	None
Outgoing Wire - International (audience not stated, treated as personal)	$40	Not stated	None
Incoming Wire Fee (Domestic/International)	$10	per item	None
Check Services
Cashier's Check (audience not stated, treated as personal)	$5	per item	None
Personal Money Order (audience not stated, treated as personal)	$3	per item	None
Stop Payment (All Items) (audience not stated, treated as personal)	$33	Not stated	None
Check Cashing – Canadian checks (audience not stated, treated as personal)	$5	per item	None
Check Cashing – checks drawn on banks in UK, France, Germany, and Japan (audience not stated, treated as personal)	$20	per item	None
Check Cashing – On Us Checks for non-customer (audience not stated, treated as personal)	$10	per item	None
Copy of Check (audience not stated, treated as personal)	$5	per item	None
Cash & Deposit
Coin Machine	5%	Not stated	None
Return Check Fee (audience not stated, treated as personal)	$15	Not stated	None
Account Services
Safe Deposit Box Drilling Fee (audience not stated, treated as personal)	$125Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Garnishments (audience not stated, treated as personal)	$50	per item	None
Tax Levy (audience not stated, treated as personal)	$50	per item	None
Subpoena and IRS Summons: Research Fee	$37Not compared: Charged per hour; comparison unavailable	per hour	None
Other Fees
Subpoena and IRS Summons: Photocopies	$0.25Not 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

Correct a fee source

Oct 16, 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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