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.

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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

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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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.

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