First Federal Savings and Loan Association of Lakewood

Headquarters: Lakewood, Ohio
Charter: Bank
Assets: $2.9B
Fed district: Cleveland

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

Source: its fee schedule, read Oct 16, 2026.

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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 of Lakewood: $30
First Federal Savings and Loan Association of Lakewood: $30
U.S. median: no median
Non-Network ATM
Compared at $1.25, the middle of its prices
First Federal Savings and Loan Association of Lakewood: $1 to $1.50
First Federal Savings and Loan Association of Lakewood: $1 to $1.50
U.S. median: no median
Stop Payment
First Federal Savings and Loan Association of Lakewood: $30
First Federal Savings and Loan Association of Lakewood: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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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Published fee schedule

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

Account Maintenance

Dormancy Fee$5
per month
Escheat Fee (checking or savings after 60 months inactivity)$50
Account Reconciliation$15

Overdraft & NSF

Non-sufficient funds (NSF) or Overdraft (OD) per item$30
per item
Sustained Overdraft (after 7 business days)$5

ATM & Card

Cirrus Network ATM(including inquiries)$1.50
Other Foreign ATM (including inquiries)$1
Debit Card Replacement$5
Cross-Border Fee0.9%
Currency Conversion Fee0.2%of the transaction

Wire Transfers

Wire Transfer Incoming (domestic or foreign)$10

Check Services

Official Check$3
Official Check Stop Payment$30
Stop Payment$30
Counter Checks$0.50
Check Cashing (non-customer)$5
Canadian Check fee$15
Check Copy$3

Account Services

Notary Fee$1.50
Safe Deposit Box Drilling Fee$150
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement Fee$10
Not compared: Box drilling or key fee
Legal Process (e.g. IRS, levy, garnishment)$30

Other Fees

Duplicate Statement Fee (1098, 1099, or 5498)$5
Photocopy$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormancy Fee	$5	per month	None
Escheat Fee (checking or savings after 60 months inactivity)	$50	Not stated	None
Account Reconciliation	$15	Not stated	None
Overdraft & NSF
Non-sufficient funds (NSF) or Overdraft (OD) per item	$30	per item	None
Sustained Overdraft (after 7 business days)	$5	Not stated	None
ATM & Card
Cirrus Network ATM(including inquiries)	$1.50	Not stated	None
Other Foreign ATM (including inquiries)	$1	Not stated	None
Debit Card Replacement	$5	Not stated	None
Cross-Border Fee	0.9%	Not stated	None
Currency Conversion Fee	0.2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Incoming (domestic or foreign)	$10	Not stated	None
Check Services
Official Check	$3	Not stated	None
Official Check Stop Payment	$30	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks	$0.50	Not stated	None
Check Cashing (non-customer)	$5	Not stated	None
Canadian Check fee	$15	Not stated	None
Check Copy	$3	Not stated	None
Account Services
Notary Fee	$1.50	Not stated	None
Safe Deposit Box Drilling Fee	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement Fee	$10Not compared: Box drilling or key fee	Not stated	None
Legal Process (e.g. IRS, levy, garnishment)	$30	Not stated	None
Other Fees
Duplicate Statement Fee (1098, 1099, or 5498)	$5	Not stated	None
Photocopy	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Wire Transfers

Wire outgoing$20
Wire incoming$10
Not compared: Monthly charge, not per item
per month
Wire outgoing foreign$40

Check Services

Checks paid$0.17
per item

Digital & Electronic

ACH origination$0.10
per item
ACH return items$10

Cash & Deposit

Returned deposit item$10
per item
Returned deposit item (redeposit)$5

Fee	Amount	Basis	Note
Wire Transfers
Wire outgoing	$20	Not stated	None
Wire incoming	$10Not compared: Monthly charge, not per item	per month	None
Wire outgoing foreign	$40	Not stated	None
Check Services
Checks paid	$0.17	per item	None
Digital & Electronic
ACH origination	$0.10	per item	None
ACH return items	$10	Not stated	None
Cash & Deposit
Returned deposit item	$10	per item	None
Returned deposit item (redeposit)	$5	Not stated	None

Correct a fee source

Oct 16, 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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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 of Lakewood: $30
First Federal Savings and Loan Association of Lakewood: $30
U.S. median: no median
Non-Network ATM
Compared at $1.25, the middle of its prices
First Federal Savings and Loan Association of Lakewood: $1 to $1.50
First Federal Savings and Loan Association of Lakewood: $1 to $1.50
U.S. median: no median
Stop Payment
First Federal Savings and Loan Association of Lakewood: $30
First Federal Savings and Loan Association of Lakewood: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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.

Published fee schedule

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

Account Maintenance

Dormancy Fee$5
per month
Escheat Fee (checking or savings after 60 months inactivity)$50
Account Reconciliation$15

Overdraft & NSF

Non-sufficient funds (NSF) or Overdraft (OD) per item$30
per item
Sustained Overdraft (after 7 business days)$5

ATM & Card

Cirrus Network ATM(including inquiries)$1.50
Other Foreign ATM (including inquiries)$1
Debit Card Replacement$5
Cross-Border Fee0.9%
Currency Conversion Fee0.2%of the transaction

Wire Transfers

Wire Transfer Incoming (domestic or foreign)$10

Check Services

Official Check$3
Official Check Stop Payment$30
Stop Payment$30
Counter Checks$0.50
Check Cashing (non-customer)$5
Canadian Check fee$15
Check Copy$3

Account Services

Notary Fee$1.50
Safe Deposit Box Drilling Fee$150
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement Fee$10
Not compared: Box drilling or key fee
Legal Process (e.g. IRS, levy, garnishment)$30

Other Fees

Duplicate Statement Fee (1098, 1099, or 5498)$5
Photocopy$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormancy Fee	$5	per month	None
Escheat Fee (checking or savings after 60 months inactivity)	$50	Not stated	None
Account Reconciliation	$15	Not stated	None
Overdraft & NSF
Non-sufficient funds (NSF) or Overdraft (OD) per item	$30	per item	None
Sustained Overdraft (after 7 business days)	$5	Not stated	None
ATM & Card
Cirrus Network ATM(including inquiries)	$1.50	Not stated	None
Other Foreign ATM (including inquiries)	$1	Not stated	None
Debit Card Replacement	$5	Not stated	None
Cross-Border Fee	0.9%	Not stated	None
Currency Conversion Fee	0.2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Incoming (domestic or foreign)	$10	Not stated	None
Check Services
Official Check	$3	Not stated	None
Official Check Stop Payment	$30	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks	$0.50	Not stated	None
Check Cashing (non-customer)	$5	Not stated	None
Canadian Check fee	$15	Not stated	None
Check Copy	$3	Not stated	None
Account Services
Notary Fee	$1.50	Not stated	None
Safe Deposit Box Drilling Fee	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement Fee	$10Not compared: Box drilling or key fee	Not stated	None
Legal Process (e.g. IRS, levy, garnishment)	$30	Not stated	None
Other Fees
Duplicate Statement Fee (1098, 1099, or 5498)	$5	Not stated	None
Photocopy	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Wire Transfers

Wire outgoing$20
Wire incoming$10
Not compared: Monthly charge, not per item
per month
Wire outgoing foreign$40

Check Services

Checks paid$0.17
per item

Digital & Electronic

ACH origination$0.10
per item
ACH return items$10

Cash & Deposit

Returned deposit item$10
per item
Returned deposit item (redeposit)$5

Fee	Amount	Basis	Note
Wire Transfers
Wire outgoing	$20	Not stated	None
Wire incoming	$10Not compared: Monthly charge, not per item	per month	None
Wire outgoing foreign	$40	Not stated	None
Check Services
Checks paid	$0.17	per item	None
Digital & Electronic
ACH origination	$0.10	per item	None
ACH return items	$10	Not stated	None
Cash & Deposit
Returned deposit item	$10	per item	None
Returned deposit item (redeposit)	$5	Not stated	None

Correct a fee source

Oct 16, 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.