Milford Federal Bank

Headquarters: Milford, Massachusetts
Charter: Bank
Assets: $545.1M
Fed district: Boston

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

Source: its fee schedule, read Oct 11, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Can be waived with a minimum balance of $1,500 or more.
Milford Federal Bank: $5
Milford Federal Bank: $5
U.S. median: no median
Overdraft (OD)
Milford Federal Bank: $33
Milford Federal Bank: $33
U.S. median: no median
NSF / Returned Item
Milford Federal Bank: $33
Milford Federal Bank: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Massachusetts, the Boston 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).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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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Among its peers

Milford Federal Bank · $545M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$530M to $558M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Milford Federal Bank(this institution)	Milford, MA	$545M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Dudley	Dudley, GA	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Flint Hills	Wamego, KS	$545M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Belgrade State Bank	Belgrade, MO	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central State Bank	State Center, IA	$558M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Bank of Kansas	Kingman, KS	$548M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Community Bank	Mascoutah, IL	$531M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commercial Bank	Ithaca, MI	$553M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank Mankato	Vernon Center, MN	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Eastern Michigan Bank	Croswell, MI	$554M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Enterprise Bank of South Carolina	Ehrhardt, SC	$535M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fidelity Bank	West Memphis, AR	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fifth District Savings Bank	New Orleans, LA	$532M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Montana Bank, Inc.	Missoula, MT	$530M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nations Bank	Chicago, IL	$537M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mound City Bank	Platteville, WI	$551M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mountain Valley Bank	Walden, CO	$557M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Nebraska Bank	Dodge, NE	$552M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northwestern Mutual Wealth Management	Milwaukee, WI	$558M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Portage Community Bank	Ravenna, OH	$552M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Shoreham Bank	Warwick, RI	$535M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Silver Lake Bank	Topeka, KS	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southern Bank of Tennessee	Mount Juliet, TN	$533M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Cooperative Bank	Roslindale, MA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Murray Bank	Murray, KY	$534M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The National Bank of Middlebury	Middlebury, VT	$554M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.48 (33%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $7.48 among 15 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

Milford Federal BankPeer (equal prices stack)Peer medianInclude $35 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Milford Federal Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee$5
per month
Dormant / Inactive Account F$5
Account Research / Reconciliation (hourly)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds - Item Paid (OOPS)E$33
Insufficient Funds - Item ReturnedE$33
Overdraft Protection$8

ATM & Card

ATM/Debit Card Replacement - Standard$10
ATM/Debit Card Replacement - Expedited$40

Wire Transfers

Wire Transfer - Outgoing$25
Wire Transfer- Incoming$10

Cash & Deposit

Coin CountingNo charge

Account Services

Notary Services - Noncustomer$1.25
Notary Services -CustomerNo charge
Late Payment$6
Not compared: Box drilling or key fee
Lost Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box$45
Safe Deposit Box 3" x 10"$75
Safe Deposit Box 3" x 5"$50
Safe Deposit Box 5" x 10"$100
Safe Deposit Box 5" x 5"$65
Levy / Garnishment Processing$50

Other Fees

Statement / Item Copy$6
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$5	per month	None
Dormant / Inactive Account F	$5	Not stated	None
Account Research / Reconciliation (hourly)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds - Item Paid (OOPS)E	$33	Not stated	None
Insufficient Funds - Item ReturnedE	$33	Not stated	None
Overdraft Protection	$8	Not stated	None
ATM & Card
ATM/Debit Card Replacement - Standard	$10	Not stated	None
ATM/Debit Card Replacement - Expedited	$40	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$25	Not stated	None
Wire Transfer- Incoming	$10	Not stated	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
Account Services
Notary Services - Noncustomer	$1.25	Not stated	None
Notary Services -Customer	No charge	Not stated	None
Late Payment	$6Not compared: Box drilling or key fee	Not stated	None
Lost Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$45	Not stated	None
Safe Deposit Box 3" x 10"	$75	Not stated	None
Safe Deposit Box 3" x 5"	$50	Not stated	None
Safe Deposit Box 5" x 10"	$100	Not stated	None
Safe Deposit Box 5" x 5"	$65	Not stated	None
Levy / Garnishment Processing	$50	Not stated	None
Other Fees
Statement / Item Copy	$6	per item	None

Correct a fee source

Oct 11, 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 Milford Federal Bank's foreign transaction changes in our data

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

Fees against the market

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

Monthly Maintenance
Can be waived with a minimum balance of $1,500 or more.
Milford Federal Bank: $5
Milford Federal Bank: $5
U.S. median: no median
Overdraft (OD)
Milford Federal Bank: $33
Milford Federal Bank: $33
U.S. median: no median
NSF / Returned Item
Milford Federal Bank: $33
Milford Federal Bank: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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.

Among its peers

Milford Federal Bank · $545M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$530M to $558M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Milford Federal Bank(this institution)	Milford, MA	$545M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Dudley	Dudley, GA	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Flint Hills	Wamego, KS	$545M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Belgrade State Bank	Belgrade, MO	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central State Bank	State Center, IA	$558M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Bank of Kansas	Kingman, KS	$548M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Community Bank	Mascoutah, IL	$531M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commercial Bank	Ithaca, MI	$553M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank Mankato	Vernon Center, MN	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Eastern Michigan Bank	Croswell, MI	$554M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Enterprise Bank of South Carolina	Ehrhardt, SC	$535M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fidelity Bank	West Memphis, AR	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fifth District Savings Bank	New Orleans, LA	$532M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Montana Bank, Inc.	Missoula, MT	$530M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nations Bank	Chicago, IL	$537M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mound City Bank	Platteville, WI	$551M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mountain Valley Bank	Walden, CO	$557M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Nebraska Bank	Dodge, NE	$552M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northwestern Mutual Wealth Management	Milwaukee, WI	$558M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Portage Community Bank	Ravenna, OH	$552M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Shoreham Bank	Warwick, RI	$535M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Silver Lake Bank	Topeka, KS	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southern Bank of Tennessee	Mount Juliet, TN	$533M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Cooperative Bank	Roslindale, MA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Murray Bank	Murray, KY	$534M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The National Bank of Middlebury	Middlebury, VT	$554M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.48 (33%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $7.48 among 15 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

Milford Federal BankPeer (equal prices stack)Peer medianInclude $35 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Milford Federal Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee$5
per month
Dormant / Inactive Account F$5
Account Research / Reconciliation (hourly)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds - Item Paid (OOPS)E$33
Insufficient Funds - Item ReturnedE$33
Overdraft Protection$8

ATM & Card

ATM/Debit Card Replacement - Standard$10
ATM/Debit Card Replacement - Expedited$40

Wire Transfers

Wire Transfer - Outgoing$25
Wire Transfer- Incoming$10

Cash & Deposit

Coin CountingNo charge

Account Services

Notary Services - Noncustomer$1.25
Notary Services -CustomerNo charge
Late Payment$6
Not compared: Box drilling or key fee
Lost Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box$45
Safe Deposit Box 3" x 10"$75
Safe Deposit Box 3" x 5"$50
Safe Deposit Box 5" x 10"$100
Safe Deposit Box 5" x 5"$65
Levy / Garnishment Processing$50

Other Fees

Statement / Item Copy$6
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$5	per month	None
Dormant / Inactive Account F	$5	Not stated	None
Account Research / Reconciliation (hourly)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds - Item Paid (OOPS)E	$33	Not stated	None
Insufficient Funds - Item ReturnedE	$33	Not stated	None
Overdraft Protection	$8	Not stated	None
ATM & Card
ATM/Debit Card Replacement - Standard	$10	Not stated	None
ATM/Debit Card Replacement - Expedited	$40	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$25	Not stated	None
Wire Transfer- Incoming	$10	Not stated	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
Account Services
Notary Services - Noncustomer	$1.25	Not stated	None
Notary Services -Customer	No charge	Not stated	None
Late Payment	$6Not compared: Box drilling or key fee	Not stated	None
Lost Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$45	Not stated	None
Safe Deposit Box 3" x 10"	$75	Not stated	None
Safe Deposit Box 3" x 5"	$50	Not stated	None
Safe Deposit Box 5" x 10"	$100	Not stated	None
Safe Deposit Box 5" x 5"	$65	Not stated	None
Levy / Garnishment Processing	$50	Not stated	None
Other Fees
Statement / Item Copy	$6	per item	None

Correct a fee source

Oct 11, 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.