First Federal Bank

Headquarters: Lake City, Florida
Charter: Bank
Assets: $4.5B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 26, 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
First Federal Bank: $10
First Federal Bank: $10
U.S. median: no median
Overdraft (OD)
First Federal Bank: $37
First Federal Bank: $37
U.S. median: no median
NSF / Returned Item
First Federal Bank: $37
First Federal Bank: $37
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Account Maintenance Fee$10
per month
Miscellaneous Charges: Account Closing$25
Dormant Account Fee (Checking After 12 Months)$10
per month
Account Reconciliation$26
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$26
Not compared: Charged per hour; comparison unavailable
per hour
Loan Research Fee$30
Not compared: Charged per hour; comparison unavailable
per hour · Loan Research Fee | $30/Hr. - 1 Hr. Min
Paper Statement Fee (Personal Checking Only)$2
per month
Return Mail Fee$5
per month

Overdraft & NSF

NSF Paid Item Fee$37
per item
NSF Returned Item Fee$37
per item
Overdraft Protection$7
per item

ATM & Card

ATM Transactions - Foreign ATM Withdrawal$2.49
per item
Replacement Debit Card$12
Replacement Debit Card + Expedited Shipping$35

Check Services

Cashier's Checks (Customer)$5
Stop Payment Order$32
Counter Checks$1
Not compared: Charged per page; comparison unavailable
per page · Counter Checks | $1 Per Page
Check Images in Statements$5.69
Copy of Canceled Check$5

Digital & Electronic

ACH Origination (audience not stated, treated as personal)$30
Not compared: Monthly charge, not per item
per month
Same Day Bill Pay$9.95

Cash & Deposit

Return Deposit Item$11
Return Deposited Item (audience not stated, treated as personal)$11

Account Services

Plus Cost to Drill Box (Minimum $175)$10
Not compared: Box drilling or key fee
Subordination of Mortgage Fee (audience not stated, treated as personal)$150

Retirement & IRA

IRA Annual Maintenance Fee$15
per year
IRA/HSA Custodial Transfer Fee$50

Other Fees

Account Printout, Copy of Statement, or Special Statement$5
Loan Payment by Phone Fee (ACH) (audience not stated, treated as personal)$15

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance Fee	$10	per month	None
Miscellaneous Charges: Account Closing	$25	Not stated	None
Dormant Account Fee (Checking After 12 Months)	$10	per month	None
Account Reconciliation	$26Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$26Not compared: Charged per hour; comparison unavailable	per hour	None
Loan Research Fee	$30Not compared: Charged per hour; comparison unavailable	per hour	Loan Research Fee \| $30/Hr. - 1 Hr. Min
Paper Statement Fee (Personal Checking Only)	$2	per month	None
Return Mail Fee	$5	per month	None
Overdraft & NSF
NSF Paid Item Fee	$37	per item	None
NSF Returned Item Fee	$37	per item	None
Overdraft Protection	$7	per item	None
ATM & Card
ATM Transactions - Foreign ATM Withdrawal	$2.49	per item	None
Replacement Debit Card	$12	Not stated	None
Replacement Debit Card + Expedited Shipping	$35	Not stated	None
Check Services
Cashier's Checks (Customer)	$5	Not stated	None
Stop Payment Order	$32	Not stated	None
Counter Checks	$1Not compared: Charged per page; comparison unavailable	per page	Counter Checks \| $1 Per Page
Check Images in Statements	$5.69	Not stated	None
Copy of Canceled Check	$5	Not stated	None
Digital & Electronic
ACH Origination (audience not stated, treated as personal)	$30Not compared: Monthly charge, not per item	per month	None
Same Day Bill Pay	$9.95	Not stated	None
Cash & Deposit
Return Deposit Item	$11	Not stated	None
Return Deposited Item (audience not stated, treated as personal)	$11	Not stated	None
Account Services
Plus Cost to Drill Box (Minimum $175)	$10Not compared: Box drilling or key fee	Not stated	None
Subordination of Mortgage Fee (audience not stated, treated as personal)	$150	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee	$15	per year	None
IRA/HSA Custodial Transfer Fee	$50	Not stated	None
Other Fees
Account Printout, Copy of Statement, or Special Statement	$5	Not stated	None
Loan Payment by Phone Fee (ACH) (audience not stated, treated as personal)	$15	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 26, 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 Bank's nsf / returned item changes in our data

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