Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

Monroe Savings Bank

Williamstown, New JerseyBankNew York Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Any account that has not had activity for 1 year or more will be considered dormant and charged$6Within the typical range ($5–$10 nationally)

Monthly minimum balance fee if the daily balance drops below any day of the month$7

$2 above the national median

per month · Source

Monthly service fee$10

$4.05 above the national median

per month · Source

Research/Reconciliation - per hour$20

$5 below the national median

Source

Overdraft & NSFVerified

Return Check Charge - Insufficient$30Within the typical range ($25–$31 nationally)
At the national median
Source

ATM & CardVerified

Debit Replacement Cards$7.50Within the typical range ($5–$10 nationally)
$2.50 below the national median
Source

Wire TransfersVerified

Wire Transfers - out$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Cashier Checks$3.50Within the typical range ($3–$5.75 nationally)
$1.50 below the national median
Source
Counter Checks - 3 per day$1Within the typical range ($1–$4 nationally)
$1 below the national median
per day · Source
Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Source
Photocopy - Check or Money Order$4Within the typical range ($2–$5 nationally)
$1 above the national median
Source
Stop Payments - Check, Money Order, Dividend Check$20Within the typical range ($20–$30 nationally)
$5 below the national median
Source

Cash & DepositVerified

Cashed or Deposited Checks Returned$12Within the typical range ($10–$25 nationally)
$3 below the national median
Source

Account ServicesVerified

Balance Inquiry$1Within the typical range ($1–$2 nationally)
At the national median
Source
Customer Notary$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source
Levy & Lien Processing$90Above the typical range ($30–$75 nationally)
$40 above the national median
Source
Safe Deposit Boxes$20Below the typical range ($25–$80 nationally)
$25 below the national median
Source

Other FeesVerified

Photocopy - NOW/MMDA/MTG Statements$4Within the typical range ($2–$5 nationally)
$1 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Any account that has not had activity for 1 year or more will be considered dormant and charged	$6Within the typical range ($5–$10 nationally)	$1 above the national median	per year	—	Source
Monthly minimum balance fee if the daily balance drops below any day of the month	$7Within the typical range ($3–$10 nationally)	$2 above the national median	per month	—	Source
Monthly service fee	$10Within the typical range ($3–$10 nationally)	$4.05 above the national median	per month	—	Source
Research/Reconciliation - per hour	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Overdraft & NSFVerified
Return Check Charge - Insufficient	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
ATM & CardVerified
Debit Replacement Cards	$7.50Within the typical range ($5–$10 nationally)	$2.50 below the national median	—	—	Source
Wire TransfersVerified
Wire Transfers - out	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Check ServicesVerified
Cashier Checks	$3.50Within the typical range ($3–$5.75 nationally)	$1.50 below the national median	—	—	Source
Counter Checks - 3 per day	$1
Cash & DepositVerified
Cashed or Deposited Checks Returned	$12Within the typical range ($10–$25 nationally)	$3 below the national median	—	—	Source
Account ServicesVerified
Balance Inquiry	$1Within the typical range ($1–$2 nationally)	At the national median	—	—	Source
Customer Notary	$0Within the typical range ($0–$5 nationally)
Other FeesVerified
Photocopy - NOW/MMDA/MTG Statements	$4Within the typical range ($2–$5 nationally)	$1 above the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 18 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$114.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$114.0M

Total deposits

$87.2M

Service charge income

$4K

Fee income ratio

0.41%

Return on assets

0.68%

Branches

Service charge income by quarter

Q2 2026$4K

Q1 2026$3K

Q4 2025$3K

Q3 2025$5K

Financial profile · Pro

Performance from regulator filings

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

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Based on 33,861 verified fees from 2,470 institutions

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