9 banks and credit unions have branches in Neptune. The Bank Fee Index holds published fees for 7 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New Jersey
Neptune counts institutions with a branch here, wherever headquartered. New Jersey counts institutions headquartered in the state.
Neptune
6 institutions with a branch here
$13.50
New Jersey
38 institutions headquartered in New Jersey
$6.38
U.S.
1,902 institutions in the index
$7
Chosen as the fee whose Neptune median sits furthest from New Jersey's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Neptune with New Jersey and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $15 to $36.
Median published overdraft fee
Neptune
7 institutions with a branch here
$35
New Jersey
51 institutions headquartered in New Jersey
$30
U.S.
2,601 institutions in the index
$30
Neptune covers every institution with a branch here, wherever it is headquartered. New Jersey covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
9 institutions, 7 with a published overdraft fee.
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Columbus, OH · 1 branch here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Bank · based in Kearny, NJ · 1 branch here
Account not yet known
“Overdraft Item Fee … . … $36.00 per item”
Credit union, membership rules apply · based in Freehold, NJ · 1 branch here
Credit union, membership rules apply · based in Holmdel, NJ · 1 branch here
Credit union, membership rules apply · based in Tinton Falls, NJ · 1 branch here
Account not yet known
“Overdraft Privilege��������������������������������������������������$26/item”
Largest banks by local bank deposits
Share of the $957 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Monmouth County
Deposits and branches cover the City of Neptune. Population and income cover Monmouth County, the county with most of Neptune's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Monmouth County.
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