Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

The First National Bank of Elmer

Elmer, New JerseyBankNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

minimum daily balance to earn APY. Must enroll in E-statements. No monthly minimum balance fee regardless of balance.$500Above the typical range ($5.96–$200 nationally)

Overdraft & NSFVerified

Insufficient Funds Charge (per paid item) -$37Above the typical range ($10–$30 nationally)
$12 above the national median
Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=nsf; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Insufficient Funds Charge (per paid item) - $37.00" · Source
Online Bill Pay Additional Overdraft Fee -$35Within the typical range ($9.95–$35 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=overdraft; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Online Bill Pay Additional Overdraft Fee - $35.00" · Source
Overdraft Protection Transfer fee (per item) -$12Within the typical range ($9.95–$35 nationally)
$13 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=overdraft; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Overdraft Protection Transfer fee (per item) - $12.00" · Source

ATM & CardVerified

ATM Foreign Transaction Fee -$1Below the typical range ($2–$35 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #2167. canonical_hint=atm_non_network; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="ATM Foreign Transaction Fee - $1.00" · Source
PLUS ATM Transaction Fee -$2Within the typical range ($2–$35 nationally)
$8 below the national median
Knox deterministic extraction from Rosetta artifact #2167. canonical_hint=atm_non_network; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="PLUS ATM Transaction Fee - $2.00" · Source
Replacement ATM Card -$5Within the typical range ($2–$35 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2167. canonical_hint=atm_non_network; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Replacement ATM Card - $5.00" · Source
Replacement VISA Debit Card -$5Within the typical range ($5–$16.25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=card_replacement; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Replacement VISA Debit Card - $5.00" · Source

Check ServicesVerified

Online Bill Pay Cancelled Check Copy -$12Above the typical range ($2.75–$6.25 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=check_image; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Online Bill Pay Cancelled Check Copy - $12.00" · Source
Online Bill Pay Stop Payment Fee -$35Above the typical range ($15–$30 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2167. canonical_hint=stop_payment; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Online Bill Pay Stop Payment Fee - $35.00" · Source
Stop Payment -$30Within the typical range ($15–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2167. canonical_hint=stop_payment; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Stop Payment - $30.00" · Source

Account ServicesVerified

Levy & Lien Processing -$150Above the typical range ($22.50–$100 nationally)
$100 above the national median
Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=garnishment_levy; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Levy & Lien Processing - $150.00" · Source
Safe Deposit Box—Drilling -$150Above the typical range ($15–$75 nationally)
$120 above the national median
Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=safe_deposit_box; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Safe Deposit Box—Drilling - $150.00" · Source
Safe Deposit Box—Lost Key -$10Below the typical range ($15–$75 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=safe_deposit_box; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Safe Deposit Box—Lost Key - $10.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
minimum daily balance to earn APY. Must enroll in E-statements. No monthly minimum balance fee regardless of balance.	$500Above the typical range ($5.96–$200 nationally)	$482.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2167. canonical_hint=monthly_maintenance; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="$500 minimum daily balance to earn APY. Must enroll in E-statements. No monthly minimum balance fee regardless of balance."	Source
Monthly minimum balance fee, if the minimum daily balance falls below	$1,000Above the typical range ($5.96–$200 nationally)	$982.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2167. canonical_hint=monthly_maintenance; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Monthly minimum balance fee, if the minimum daily balance falls below $1,000 for the statement period - $10.00"	Source
Monthly minimum balance fee, if the minimum daily balance falls below	$50Within the typical range ($5.96–$200 nationally)	$32.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=monthly_maintenance; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Monthly minimum balance fee, if the minimum daily balance falls below $50 for the statement period - $2.00"	Source
Overdraft & NSFVerified
Insufficient Funds Charge (per paid item) -	$37Above the typical range ($10–$30 nationally)	$12 above the national median	—	Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=nsf; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Insufficient Funds Charge (per paid item) - $37.00"	Source
Online Bill Pay Additional Overdraft Fee -
ATM & CardVerified
ATM Foreign Transaction Fee -	$1Below the typical range ($2–$35 nationally)	$9 below the national median	—	Knox deterministic extraction from Rosetta artifact #2167. canonical_hint=atm_non_network; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="ATM Foreign Transaction Fee - $1.00"	Source
PLUS ATM Transaction Fee -
Check ServicesVerified
Online Bill Pay Cancelled Check Copy -	$12Above the typical range ($2.75–$6.25 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=check_image; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Online Bill Pay Cancelled Check Copy - $12.00"	Source
Online Bill Pay Stop Payment Fee -
Account ServicesVerified
Levy & Lien Processing -	$150Above the typical range ($22.50–$100 nationally)	$100 above the national median	—	Knox deterministic extraction from Rosetta artifact #2181. canonical_hint=garnishment_levy; text_hash=e04135c005b2a5969a53ce87971ff2eddb0a0af9d85481ee01b943585ad35d93; excerpt="Levy & Lien Processing - $150.00"	Source
Safe Deposit Box—Drilling -

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$407.8M

Total deposits

$365.3M

Service charge income

$94K

Fee income ratio

2.1%

Return on assets

0.84%

Branches

Service charge income by quarter

Q2 2026$94K

Q1 2026$92K

Q4 2025$103K

Q3 2025$94K

The First National Bank of Elmer

Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings