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, $1B to $10B

Unity Bank

Clinton, New JerseyBankNew York Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account Fee (per month)$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Auto Overdraft Sweep Transfer$5Within the typical range ($3–$5 nationally)
At the national median
Source
Overdraft Fee (OD) (per item \ per representment)$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source

Wire TransfersVerified

Fax Request Outgoing Wire - Domestic$50Above the typical range ($20–$25 nationally)
$27 above the national median
Source
Fax Request Outgoing Wire –International$80Above the typical range ($40–$50 nationally)
$30 above the national median
Source
Incoming Wire - Domestic\International$15Within the typical range ($10–$25 nationally)
At the national median
Source
Outgoing Wire - International$40Within the typical range ($40–$50 nationally)
$10 below the national median
Source
Outgoing Wire – Domestic$25Within the typical range ($20–$25 nationally)
$2 above the national median
Source

Check ServicesVerified

Account Research Copies (per item, statement, check, deposit, etc.)$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Source
Stop Payment Fee\ Check and ACH$33Above the typical range ($20–$30 nationally)
$8 above the national median
Source
Treasurer's Checks Made Payable to a Third Party$10Above the typical range ($3–$5.50 nationally)
$5 above the national median
Source

Digital & ElectronicVerified

ACH Origination 10+ files per month (25 entries per file)$40Above the typical range ($5–$20 nationally)
$30 above the national median
per month · Source
ACH Origination Set Up (one-time fee)$100Above the typical range ($5–$20 nationally)
$90 above the national median
Source
ACH Origination up to 9 files per month (25 entries per file)$15Within the typical range ($5–$20 nationally)
$5 above the national median
per month · Source
ACH Returned Item (per item)$10Below the typical range ($19.50–$30 nationally)
$17 below the national median
per item · Source

Cash & DepositVerified

Night Deposit Lost Key$15Within the typical range ($5–$20 nationally)
$2.50 above the national median
Source
Return Deposited Item (RDI) Reprocessing Fee (per client request for bank to re-deposit)$5Below the typical range ($10–$25 nationally)
$10 below the national median
Source
Return Deposited Item (RDI)\Charge Back to Account (per item)$20Within the typical range ($10–$25 nationally)
$5 above the national median
per item · Source

Account ServicesVerified

Account Verification\Deposit Verification Letter (per verification)$10Within the typical range ($10–$15 nationally)
At the national median
Source
Drill Box$200Above the typical range ($25–$80 nationally)
$155 above the national median
Source
Levy Processing Fee$175Above the typical range ($30–$75 nationally)
$125 above the national median
Source
 2x5$35Within the typical range ($25–$80 nationally)
$10 below the national median
Source
 3x10$90Above the typical range ($25–$80 nationally)
$45 above the national median
Source
 3x5$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source
 4x5$60Within the typical range ($25–$80 nationally)
$15 above the national median
Source
 5x10$115Above the typical range ($25–$80 nationally)
$70 above the national median
Source
 5x5$75Within the typical range ($25–$80 nationally)
$30 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee (per month)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Early Closeout Fee (if closed within 90 days of opening)	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	—	Source
Monthly Service Charge	$15Above the typical range ($3–$10 nationally)	$9.05 above the national median	per month	—	Source
Paper Statement Monthly Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	—	Source
Overdraft & NSFVerified
Auto Overdraft Sweep Transfer	$5Within the typical range ($3–$5 nationally)	At the national median	—	—	Source
Overdraft Fee (OD) (per item \ per representment)	$35
Wire TransfersVerified
Fax Request Outgoing Wire - Domestic	$50Above the typical range ($20–$25 nationally)	$27 above the national median	—	—	Source
Fax Request Outgoing Wire –International	$80
Check ServicesVerified
Account Research Copies (per item, statement, check, deposit, etc.)	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per item	—	Source
Stop Payment Fee\ Check and ACH	$33
Digital & ElectronicVerified
ACH Origination 10+ files per month (25 entries per file)	$40Above the typical range ($5–$20 nationally)	$30 above the national median	per month	—	Source
ACH Origination Set Up (one-time fee)	$100
Cash & DepositVerified
Night Deposit Lost Key	$15Within the typical range ($5–$20 nationally)	$2.50 above the national median	—	—	Source
Return Deposited Item (RDI) Reprocessing Fee (per client request for bank to re-deposit)	$5
Account ServicesVerified
Account Verification\Deposit Verification Letter (per verification)	$10Within the typical range ($10–$15 nationally)	At the national median	—	—	Source
Drill Box	$200
Lending FeesVerified
Late Payment	$25Within the typical range ($15–$25 nationally)	$2.50 above the national median	—	—	Source
Gift & Prepaid CardsVerified
Special Bulk Order VISA Gift Card (per card, plus a	$10Above the typical range ($3–$4.50 nationally)	$6.50 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.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 32

Headline fees published

9 of 15

Published fees

Under review

Assets

$3.2B

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$3.2B

Total deposits

$2.5B

Service charge income

$722K

Fee income ratio

2.1%

Return on assets

1.93%

Branches

Service charge income by quarter

Q2 2026$722K

Q1 2026$598K

Q4 2025$590K

Q3 2025$573K

Financial profile · Pro

Unity Bank

Published fees

Get an email when Unity Bank changes a fee

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