NSF Paid Item Fee$37Above the typical range ($25–$33 nationally)
$7 above the national median$5 above the Florida median
per item · Source
NSF Returned Item Fee$37Above the typical range ($25–$32 nationally)
$7 above the national median$7 above the Florida median
per item · Source
Overdraft Protection$7Above the typical range ($2.50–$5 nationally)
$2 above the national median$2 above the Florida median
per item · Source

ATM & CardVerified

ATM Surcharge (Non-Customer at FFB ATM)$4Above the typical range ($1–$2.25 nationally)
$2.50 above the national median$2 above the Florida median
per transaction · Source
ATM Transactions - Foreign ATM Withdrawal$2.49Above the typical range ($1–$2.25 nationally)
$0.99 above the national median$0.49 above the Florida median
per transaction · Source
Replacement Debit Card$12Above the typical range ($5–$10 nationally)
$2 above the national median$2 above the Florida median
Source
Replacement Debit Card + Expedited Shipping$35Within the typical range ($30–$50 nationally)
$5 below the national median$3.75 below the Florida median
Source

Check ServicesVerified

Cashier's Checks (Customer)$5Within the typical range ($3–$6 nationally)
At the national medianAt the Florida median
Source
Stop Payment Order$32Above the typical range ($20–$30 nationally)
$4.50 above the national median$2 above the Florida median
Source
Counter Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median$1 below the Florida median
per item · Source
Copy of Canceled Check$5Within the typical range ($2–$5 nationally)
$2 above the national median$1 above the Florida median
Source

Digital & ElectronicVerified

ACH Origination$30Above the typical range ($5–$20 nationally)
$20 above the national median$21.52 above the Florida median
per month · Source
Same Day Bill Pay$9.95Within the typical range ($0–$9.95 nationally)
$7.45 above the national median$5.50 above the Florida median
Source

Cash & DepositVerified

Return Deposit Item$11Within the typical range ($8–$25 nationally)
$4 below the national median$9 below the Florida median
Source

Account ServicesVerified

Plus Cost to Drill Box (Minimum $175)$10Below the typical range ($30–$70 nationally)
$35 below the national median$47.50 below the Florida median
Source
Legal Process Fee$150Above the typical range ($30–$100 nationally)
$100 above the national median$50 above the Florida median
Source

Retirement & IRAVerified

IRA Annual Maintenance Fee$15Within the typical range ($10–$25 nationally)
At the national median
per year · Source
IRA/HSA Custodial Transfer Fee$50Above the typical range ($25–$35 nationally)
$25 above the national median$25 above the Florida median
Source

Other FeesVerified

Account Printout, Copy of Statement, or Special Statement$5Within the typical range ($2–$5 nationally)
$2 above the national median$1.82 above the Florida median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Maintenance Fee	$10Within the typical range ($4–$10 nationally)	$4 above the national median$2.50 above the Florida median	per month	—	Source
Dormant Account Fee (Checking After 12 Months)	$10Within the typical range ($5–$10 nationally)	$5 above the national medianAt the Florida median	per month	—	Source
Account Reconciliation	$26Above the typical range ($12–$25 nationally)	$8.50 above the national median$11 above the Florida median	—	—	Source
Loan Research Fee	$30Above the typical range ($12–$25 nationally)	$12.50 above the national median$15 above the Florida median	—	—	Source
Return Mail Fee	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$10 below the Florida median	per month	—	Source
Paper Statement Fee (Personal Checking Only)	$2Within the typical range ($2–$4.88 nationally)	$1 below the national median$1 below the Florida median	per month	—	Source
Overdraft & NSFVerified
NSF Paid Item Fee	$37Above the typical range ($25–$33 nationally)	$7 above the national median$5 above the Florida median	per item	—	Source
NSF Returned Item Fee	$37
ATM & CardVerified
ATM Surcharge (Non-Customer at FFB ATM)	$4Above the typical range ($1–$2.25 nationally)	$2.50 above the national median$2 above the Florida median	per transaction	—	Source
ATM Transactions - Foreign ATM Withdrawal	$2.49
Check ServicesVerified
Cashier's Checks (Customer)	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Florida median	—	—	Source
Stop Payment Order	$32
Digital & ElectronicVerified
ACH Origination	$30Above the typical range ($5–$20 nationally)	$20 above the national median$21.52 above the Florida median	per month	—	Source
Same Day Bill Pay	$9.95
Cash & DepositVerified
Return Deposit Item	$11Within the typical range ($8–$25 nationally)	$4 below the national median$9 below the Florida median	—	—	Source
Account ServicesVerified
Plus Cost to Drill Box (Minimum $175)	$10Below the typical range ($30–$70 nationally)	$35 below the national median$47.50 below the Florida median	—	—	Source
Legal Process Fee	$150
Retirement & IRAVerified
IRA Annual Maintenance Fee	$15Within the typical range ($10–$25 nationally)	At the national median	per year	—	Source
IRA/HSA Custodial Transfer Fee	$50Above the typical range ($25–$35 nationally)
Other FeesVerified
Account Printout, Copy of Statement, or Special Statement	$5Within the typical range ($2–$5 nationally)	$2 above the national median$1.82 above the Florida median	—	—	Source

Against Florida banks

Overdraft
$37.00
Of 19 others that publish it, 16 lower, 1 the same and 2 higher.
Monthly maintenance
$10.00
Of 20 others that publish it, 9 lower, 1 the same and 10 higher.

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$37

Overdraft fee: $37

23% above the national median overdraft fee

25 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$4.5B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$4.5B

Total deposits

$3.4B

Service charge income

$1.3M

Fee income ratio

2.7%

Return on assets

1.17%

Branches

Service charge income by quarter

Q2 2026$1.3M

Q1 2026$1.4M

Q4 2025$1.5M

Q3 2025$1.4M

Financial profile · Pro

Performance from regulator filings

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Based on 65,595 published fee entries from 3,603 institutions

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