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.

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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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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.

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