First Federal Savings of Middletown

Headquarters: Middletown, New York
Charter: Bank
Assets: $188.0M
Fed district: New York

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

Source: its fee schedule, read Oct 2, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $5, the middle of its prices
First Federal Savings of Middletown: $3 to $7
First Federal Savings of Middletown: $3 to $7
U.S. median: no median
Overdraft (OD)
First Federal Savings of Middletown: $25
First Federal Savings of Middletown: $25
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
First Federal Savings of Middletown: $20 to $25
First Federal Savings of Middletown: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York 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).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 of Middletown’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$7
per month
Monthly Maintenance$3
per month
Early Account Closure Fee (within 90 days)$20
Inactivity fee (I year without activity)$5
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Excess Transaction Fee (M/M, Passbook & Statement Savings)$10
Returned Mail via USPS$5

Overdraft & NSF

Overdraft for each Debit or Check Paid (audience not stated, treated as personal)$25
per item
Insufficient Funds (audience not stated, treated as personal)$25
Returned Item Fee: 1st Party Checks$20
per item
Returned Item Fee: 2nd Party Checks$20
per item
Returned Item Fee: Uncollected Funds$20
per item

ATM & Card

Debit Card Replacement$10

Wire Transfers

Outgoing Domestic Wire Transfers$10
per item

Check Services

Certified Check$5
Money Order fee for Customers$1.50
Money Order fee for Non-Customers$3
Stop Payment (All Items)$15
Over the Counter Checks$1
Not compared: Charged per page; comparison unavailable
per page
Foreign Check Collection Fee$20
Copy of a check$3
per item

Digital & Electronic

ACH or Electronic Return Fee (audience not stated, treated as personal)$25
ACH or Electronic Return Fee$20

Cash & Deposit

Deposited Check Returned Unpaid$10
Deposited Check Returned Unpaid (audience not stated, treated as personal)$17

Account Services

Levy Fees$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$7	per month	None
Monthly Maintenance	$3	per month	None
Early Account Closure Fee (within 90 days)	$20	Not stated	None
Inactivity fee (I year without activity)	$5	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Transaction Fee (M/M, Passbook & Statement Savings)	$10	Not stated	None
Returned Mail via USPS	$5	Not stated	None
Overdraft & NSF
Overdraft for each Debit or Check Paid (audience not stated, treated as personal)	$25	per item	None
Insufficient Funds (audience not stated, treated as personal)	$25	Not stated	None
Returned Item Fee: 1st Party Checks	$20	per item	None
Returned Item Fee: 2nd Party Checks	$20	per item	None
Returned Item Fee: Uncollected Funds	$20	per item	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfers	$10	per item	None
Check Services
Certified Check	$5	Not stated	None
Money Order fee for Customers	$1.50	Not stated	None
Money Order fee for Non-Customers	$3	Not stated	None
Stop Payment (All Items)	$15	Not stated	None
Over the Counter Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Foreign Check Collection Fee	$20	Not stated	None
Copy of a check	$3	per item	None
Digital & Electronic
ACH or Electronic Return Fee (audience not stated, treated as personal)	$25	Not stated	None
ACH or Electronic Return Fee	$20	Not stated	None
Cash & Deposit
Deposited Check Returned Unpaid	$10	Not stated	None
Deposited Check Returned Unpaid (audience not stated, treated as personal)	$17	Not stated	None
Account Services
Levy Fees	$25	Not stated	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 2, 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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