First Federal Savings and Loan Association

Headquarters: Delta, Ohio
Charter: Bank
Assets: $246.0M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 15, 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 Federal Savings and Loan Association: $30
First Federal Savings and Loan Association: $30
U.S. median: no median
NSF / Returned Item
First Federal Savings and Loan Association: $30
First Federal Savings and Loan Association: $30
U.S. median: no median
Wire Transfer (Domestic Out)
First Federal Savings and Loan Association: $25
First Federal Savings and Loan Association: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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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Among its peers

First Federal Savings and Loan Association · $246M 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.

Banks only
$239M to $254M in assets
Headquartered in 16 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
First Federal Savings and Loan Association(this institution)	Delta, OH	$246M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st National Bank	Lebanon, OH	$247M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Adams County Bank	Kenesaw, NE	$241M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Easton	North Easton, MA	$249M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Perry County	Lobelville, TN	$253M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BANKWEST	Rockford, MN	$240M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank & Trust Company	Saint Paul, NE	$242M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank of Eldon	Eldon, MO	$247M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Progressive Bank	Winnsboro, LA	$243M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Drake Bank	Saint Paul, MN	$247M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants State Bank	Waterloo, WI	$246M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Financial Bank	Bessemer, AL	$248M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank of Burleson	Burleson, TX	$251M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank USA	Boutte, LA	$249M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FirstOak Bank	Independence, KS	$241M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Homeland Community Bank	McMinnville, TN	$244M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mi Bank	Bloomfield Township, MI	$245M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Nebraska Bank of Commerce	Lincoln, NE	$241M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Quoin Financial Bank	Miller, SD	$251M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Bank	New Auburn, WI	$254M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security National Bank of South Dakota	Dakota Dunes, SD	$251M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Commercial Bank of Grayson	Grayson, KY	$242M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank and Trust	Atmore, AL	$239M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Sterling City	Sterling City, TX	$240M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Idabel National Bank	Idabel, OK	$242M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Peoples Bank of Georgia	Talbotton, GA	$252M	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

First Federal Savings and Loan Association does not publish a monthly maintenance fee in the index.

The peer median is $6 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

First Federal Savings and Loan Association does not publish a monthly maintenance fee, so it is not on this chart.

First Federal Savings and…Peer (equal prices stack)Peer median

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 First Federal Savings and Loan Association’s own schedules, with a source for each figure.

Account Maintenance

Account Research or Balancing (per hour – one hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement$3

Overdraft & NSF

Overdraft Fee for Each Paid Item$30
per item
Non-sufficient Funds Fee for Each Returned Item$30
per item

Wire Transfers

Outgoing Wire Transfer Fee$25
Outgoing International Wire Transfer Fee$35

Check Services

Cashier's Checks (per item)$5
per item
Money Orders (per item)$5
per item
Stop Payment Fee$25

Cash & Deposit

Credit/Debit Card Cash Advance Fee (maximum $2,000 per business day)$5
Not compared: Daily charge, not per item
per day
Returned Deposited Checks or Electronic Items$15

Account Services

Lock Replacement and Drill Fee$250
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee

Fee	Amount	Basis	Note
Account Maintenance
Account Research or Balancing (per hour – one hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement	$3	Not stated	None
Overdraft & NSF
Overdraft Fee for Each Paid Item	$30	per item	None
Non-sufficient Funds Fee for Each Returned Item	$30	per item	None
Wire Transfers
Outgoing Wire Transfer Fee	$25	Not stated	None
Outgoing International Wire Transfer Fee	$35	Not stated	None
Check Services
Cashier's Checks (per item)	$5	per item	None
Money Orders (per item)	$5	per item	None
Stop Payment Fee	$25	Not stated	None
Cash & Deposit
Credit/Debit Card Cash Advance Fee (maximum $2,000 per business day)	$5Not compared: Daily charge, not per item	per day	None
Returned Deposited Checks or Electronic Items	$15	Not stated	None
Account Services
Lock Replacement and Drill Fee	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None

Correct a fee source

Oct 15, 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 Federal Savings and Loan Association's ach origination 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.

Overdraft (OD)
First Federal Savings and Loan Association: $30
First Federal Savings and Loan Association: $30
U.S. median: no median
NSF / Returned Item
First Federal Savings and Loan Association: $30
First Federal Savings and Loan Association: $30
U.S. median: no median
Wire Transfer (Domestic Out)
First Federal Savings and Loan Association: $25
First Federal Savings and Loan Association: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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.

Among its peers

First Federal Savings and Loan Association · $246M 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.

Banks only
$239M to $254M in assets
Headquartered in 16 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
First Federal Savings and Loan Association(this institution)	Delta, OH	$246M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st National Bank	Lebanon, OH	$247M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Adams County Bank	Kenesaw, NE	$241M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Easton	North Easton, MA	$249M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Perry County	Lobelville, TN	$253M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BANKWEST	Rockford, MN	$240M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank & Trust Company	Saint Paul, NE	$242M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank of Eldon	Eldon, MO	$247M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Progressive Bank	Winnsboro, LA	$243M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Drake Bank	Saint Paul, MN	$247M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants State Bank	Waterloo, WI	$246M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Financial Bank	Bessemer, AL	$248M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank of Burleson	Burleson, TX	$251M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank USA	Boutte, LA	$249M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FirstOak Bank	Independence, KS	$241M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Homeland Community Bank	McMinnville, TN	$244M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mi Bank	Bloomfield Township, MI	$245M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Nebraska Bank of Commerce	Lincoln, NE	$241M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Quoin Financial Bank	Miller, SD	$251M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Bank	New Auburn, WI	$254M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security National Bank of South Dakota	Dakota Dunes, SD	$251M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Commercial Bank of Grayson	Grayson, KY	$242M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank and Trust	Atmore, AL	$239M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Sterling City	Sterling City, TX	$240M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Idabel National Bank	Idabel, OK	$242M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Peoples Bank of Georgia	Talbotton, GA	$252M	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

First Federal Savings and Loan Association does not publish a monthly maintenance fee in the index.

The peer median is $6 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

First Federal Savings and Loan Association does not publish a monthly maintenance fee, so it is not on this chart.

First Federal Savings and…Peer (equal prices stack)Peer median

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 First Federal Savings and Loan Association’s own schedules, with a source for each figure.

Account Maintenance

Account Research or Balancing (per hour – one hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement$3

Overdraft & NSF

Overdraft Fee for Each Paid Item$30
per item
Non-sufficient Funds Fee for Each Returned Item$30
per item

Wire Transfers

Outgoing Wire Transfer Fee$25
Outgoing International Wire Transfer Fee$35

Check Services

Cashier's Checks (per item)$5
per item
Money Orders (per item)$5
per item
Stop Payment Fee$25

Cash & Deposit

Credit/Debit Card Cash Advance Fee (maximum $2,000 per business day)$5
Not compared: Daily charge, not per item
per day
Returned Deposited Checks or Electronic Items$15

Account Services

Lock Replacement and Drill Fee$250
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee

Fee	Amount	Basis	Note
Account Maintenance
Account Research or Balancing (per hour – one hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement	$3	Not stated	None
Overdraft & NSF
Overdraft Fee for Each Paid Item	$30	per item	None
Non-sufficient Funds Fee for Each Returned Item	$30	per item	None
Wire Transfers
Outgoing Wire Transfer Fee	$25	Not stated	None
Outgoing International Wire Transfer Fee	$35	Not stated	None
Check Services
Cashier's Checks (per item)	$5	per item	None
Money Orders (per item)	$5	per item	None
Stop Payment Fee	$25	Not stated	None
Cash & Deposit
Credit/Debit Card Cash Advance Fee (maximum $2,000 per business day)	$5Not compared: Daily charge, not per item	per day	None
Returned Deposited Checks or Electronic Items	$15	Not stated	None
Account Services
Lock Replacement and Drill Fee	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None

Correct a fee source

Oct 15, 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.