The First National Bank of Elmer

Headquarters: Elmer, New Jersey
Charter: Bank
Assets: $407.8M
Fed district: Philadelphia

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

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $37, its standard fee, the highest of its prices
The First National Bank of Elmer: $35 to $37
The First National Bank of Elmer: $35 to $37
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
The First National Bank of Elmer: $1 to $2
The First National Bank of Elmer: $1 to $2
U.S. median: no median
Wire Transfer (Domestic Out)
The First National Bank of Elmer: $30
The First National Bank of Elmer: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia 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).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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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Among its peers

The First National Bank of Elmer · $408M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$397M to $418M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The First National Bank of Elmer(this institution)	Elmer, NJ	$408M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Community Bank	Petersburg, IL	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Frankewing	Frankewing, TN	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Lexington, Inc.	Lexington, KY	$411M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of St. Francisville	Saint Francisville, LA	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Bluegrass and Trust Company	Lexington, KY	$407M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Zachary	Zachary, LA	$416M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Big Horn Federal Savings Bank	Greybull, WY	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Bank of South Carolina	Holly Hill, SC	$414M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Lockhart Bank	Lockhart, TX	$416M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First State Bank	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Vision Bank of Tennessee	Tullahoma, TN	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fleetwood Bank	Fleetwood, PA	$416M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FORTE BANK	Hartford, WI	$404M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Founders Bank	Washington, DC	$406M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank & Trust	Columbia, TN	$418M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
MA Bank	Macon, MO	$417M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pike National Bank	Mccomb, MS	$409M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pony Express Bank	Braymer, MO	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sentry Bank	Saint Joseph, MN	$415M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust	Winfield, AL	$413M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens National Bank of Park Rapids	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Grant County Bank	Petersburg, WV	$407M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The First National Bank of Elmer does not publish a monthly maintenance fee in the index.

The peer median is $5.25 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.

Monthly maintenance fee in dollars, one mark per institution

The First National Bank of Elmer does not publish a monthly maintenance fee, so it is not on this chart.

The First National Bank o…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from The First National Bank of Elmer’s own schedules, with a source for each figure.

Account Maintenance

Monthly minimum balance fee$10
per month
Monthly minimum balance fee$2
per month
Research/Reconcilement (per hour—$15.00 minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper statements requested$3
per item

Overdraft & NSF

Insufficient Funds Charge (per paid item)$37
Online Bill Pay Additional Overdraft Fee$35
Overdraft Protection Transfer fee (per item)$12
per item

ATM & Card

ATM Foreign Transaction Fee$1
PLUS ATM Transaction Fee$2
Replacement ATM Card$5
Replacement VISA Debit Card$5

Wire Transfers

Wire Transfer—Outgoing (domestic)$30
Wire Transfer—Outgoing (foreign)$50
Wire Transfer—Incoming (domestic & foreign)$15

Check Services

Cashier’s Check$10
Online Bill Pay Stop Payment Fee$35
Stop Payment$30
Counter Checks (3 checks)$1
Collection Items (plus 3rd party fee)$35
Online Bill Pay Cancelled Check Copy$12

Digital & Electronic

Online Bill Pay (per month)No charge
per month

Cash & Deposit

Returned Deposit Item$15

Account Services

Safe Deposit Box—Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box—Lost Key -$10
Not compared: Box drilling or key fee
Levy & Lien Processing -$150

Retirement & IRA

IRA Transfer/Premature Distribution$25

Other Fees

Fax Copy$5
Photocopy$1

Fee	Amount	Basis	Note
Account Maintenance
Monthly minimum balance fee	$10	per month	None
Monthly minimum balance fee	$2	per month	None
Research/Reconcilement (per hour—$15.00 minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statements requested	$3	per item	None
Overdraft & NSF
Insufficient Funds Charge (per paid item)	$37	Not stated	None
Online Bill Pay Additional Overdraft Fee	$35	Not stated	None
Overdraft Protection Transfer fee (per item)	$12	per item	None
ATM & Card
ATM Foreign Transaction Fee	$1	Not stated	None
PLUS ATM Transaction Fee	$2	Not stated	None
Replacement ATM Card	$5	Not stated	None
Replacement VISA Debit Card	$5	Not stated	None
Wire Transfers
Wire Transfer—Outgoing (domestic)	$30	Not stated	None
Wire Transfer—Outgoing (foreign)	$50	Not stated	None
Wire Transfer—Incoming (domestic & foreign)	$15	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Online Bill Pay Stop Payment Fee	$35	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (3 checks)	$1	Not stated	None
Collection Items (plus 3rd party fee)	$35	Not stated	None
Online Bill Pay Cancelled Check Copy	$12	Not stated	None
Digital & Electronic
Online Bill Pay (per month)	No charge	per month	None
Cash & Deposit
Returned Deposit Item	$15	Not stated	None
Account Services
Safe Deposit Box—Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box—Lost Key -	$10Not compared: Box drilling or key fee	Not stated	None
Levy & Lien Processing -	$150	Not stated	None
Retirement & IRA
IRA Transfer/Premature Distribution	$25	Not stated	None
Other Fees
Fax Copy	$5	Not stated	None
Photocopy	$1	Not stated	None

Correct a fee source

Nov 2, 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 The First National Bank of Elmer's nsf / returned item changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $37, its standard fee, the highest of its prices
The First National Bank of Elmer: $35 to $37
The First National Bank of Elmer: $35 to $37
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
The First National Bank of Elmer: $1 to $2
The First National Bank of Elmer: $1 to $2
U.S. median: no median
Wire Transfer (Domestic Out)
The First National Bank of Elmer: $30
The First National Bank of Elmer: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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.

Among its peers

The First National Bank of Elmer · $408M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$397M to $418M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The First National Bank of Elmer(this institution)	Elmer, NJ	$408M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Community Bank	Petersburg, IL	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Frankewing	Frankewing, TN	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Lexington, Inc.	Lexington, KY	$411M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of St. Francisville	Saint Francisville, LA	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Bluegrass and Trust Company	Lexington, KY	$407M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Zachary	Zachary, LA	$416M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Big Horn Federal Savings Bank	Greybull, WY	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Bank of South Carolina	Holly Hill, SC	$414M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Lockhart Bank	Lockhart, TX	$416M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First State Bank	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Vision Bank of Tennessee	Tullahoma, TN	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fleetwood Bank	Fleetwood, PA	$416M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FORTE BANK	Hartford, WI	$404M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Founders Bank	Washington, DC	$406M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank & Trust	Columbia, TN	$418M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
MA Bank	Macon, MO	$417M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pike National Bank	Mccomb, MS	$409M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pony Express Bank	Braymer, MO	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sentry Bank	Saint Joseph, MN	$415M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust	Winfield, AL	$413M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens National Bank of Park Rapids	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Grant County Bank	Petersburg, WV	$407M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The First National Bank of Elmer does not publish a monthly maintenance fee in the index.

The peer median is $5.25 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.

Monthly maintenance fee in dollars, one mark per institution

The First National Bank of Elmer does not publish a monthly maintenance fee, so it is not on this chart.

The First National Bank o…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from The First National Bank of Elmer’s own schedules, with a source for each figure.

Account Maintenance

Monthly minimum balance fee$10
per month
Monthly minimum balance fee$2
per month
Research/Reconcilement (per hour—$15.00 minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper statements requested$3
per item

Overdraft & NSF

Insufficient Funds Charge (per paid item)$37
Online Bill Pay Additional Overdraft Fee$35
Overdraft Protection Transfer fee (per item)$12
per item

ATM & Card

ATM Foreign Transaction Fee$1
PLUS ATM Transaction Fee$2
Replacement ATM Card$5
Replacement VISA Debit Card$5

Wire Transfers

Wire Transfer—Outgoing (domestic)$30
Wire Transfer—Outgoing (foreign)$50
Wire Transfer—Incoming (domestic & foreign)$15

Check Services

Cashier’s Check$10
Online Bill Pay Stop Payment Fee$35
Stop Payment$30
Counter Checks (3 checks)$1
Collection Items (plus 3rd party fee)$35
Online Bill Pay Cancelled Check Copy$12

Digital & Electronic

Online Bill Pay (per month)No charge
per month

Cash & Deposit

Returned Deposit Item$15

Account Services

Safe Deposit Box—Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box—Lost Key -$10
Not compared: Box drilling or key fee
Levy & Lien Processing -$150

Retirement & IRA

IRA Transfer/Premature Distribution$25

Other Fees

Fax Copy$5
Photocopy$1

Fee	Amount	Basis	Note
Account Maintenance
Monthly minimum balance fee	$10	per month	None
Monthly minimum balance fee	$2	per month	None
Research/Reconcilement (per hour—$15.00 minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statements requested	$3	per item	None
Overdraft & NSF
Insufficient Funds Charge (per paid item)	$37	Not stated	None
Online Bill Pay Additional Overdraft Fee	$35	Not stated	None
Overdraft Protection Transfer fee (per item)	$12	per item	None
ATM & Card
ATM Foreign Transaction Fee	$1	Not stated	None
PLUS ATM Transaction Fee	$2	Not stated	None
Replacement ATM Card	$5	Not stated	None
Replacement VISA Debit Card	$5	Not stated	None
Wire Transfers
Wire Transfer—Outgoing (domestic)	$30	Not stated	None
Wire Transfer—Outgoing (foreign)	$50	Not stated	None
Wire Transfer—Incoming (domestic & foreign)	$15	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Online Bill Pay Stop Payment Fee	$35	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (3 checks)	$1	Not stated	None
Collection Items (plus 3rd party fee)	$35	Not stated	None
Online Bill Pay Cancelled Check Copy	$12	Not stated	None
Digital & Electronic
Online Bill Pay (per month)	No charge	per month	None
Cash & Deposit
Returned Deposit Item	$15	Not stated	None
Account Services
Safe Deposit Box—Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box—Lost Key -	$10Not compared: Box drilling or key fee	Not stated	None
Levy & Lien Processing -	$150	Not stated	None
Retirement & IRA
IRA Transfer/Premature Distribution	$25	Not stated	None
Other Fees
Fax Copy	$5	Not stated	None
Photocopy	$1	Not stated	None

Correct a fee source

Nov 2, 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.