Unity Bank

Headquarters: Clinton, New Jersey
Charter: Bank
Assets: $3.2B
Fed district: New York

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

Source: its fee schedule, read Oct 5, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for Unity Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Unity Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Unity Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $722K in Q2 2026, 23% above the same quarter a year earlier ($587K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

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

Overdraft (OD)
Unity Bank: $35
Unity Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Unity Bank: $25 to $50
Unity Bank: $25 to $50
U.S. median: no median
Stop Payment
Unity Bank: $33
Unity Bank: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York 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.
New York district: Banks and credit unions headquartered in the New York 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.

Fee income beside fee prices

Service-charge income rose 26% from Q3 2025 to Q2 2026, to $722K.

Service-charge income, Q2 2026

$722K

$573KQ3 2025

$590KQ4 2025

$598KQ1 2026

$722KQ2 2026

Against the median

Unity BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Unity Bank · $3.2B 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
$3B to $3.3B 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
Unity Bank(this institution)	Clinton, NJ	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Academy Bank, National Association	Kansas City, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Austin Bank, Texas National Association	Jacksonville, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
BankFirst Financial Services	Columbus, MS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BCB Community Bank	Bayonne, NJ	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
CB&S Bank, Inc.	Russellville, AL	$3.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Centreville Bank	West Warwick, RI	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Exchange Bank	Santa Rosa, CA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmers Bank & Trust Company	Magnolia, AR	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fidelity Bank, National Association	Wichita, KS	$3.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Citizens Community Bank	Mansfield, PA	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Western Trust Bank	Denver, CO	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lawrence Bank	Nashville, TN	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star National Bank	Pharr, TX	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mascoma Bank	Lebanon, NH	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest BankCentre	Lemay, MO	$3.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monet Bank	Plano, TX	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North American Savings Bank, F.S.B.	Grandview, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Oakstar Bank	Springfield, MO	$3.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Penn Community Bank	Doylestown, PA	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
STAR Financial Bank	Fort Wayne, IN	$3.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Stearns Bank National Association	Saint Cloud, MN	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
U. S. Century Bank	Doral, FL	$3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
UniBank for Savings	Whitinsville, MA	$3.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Savings Bank	Danbury, CT	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WestStar Bank	El Paso, TX	$3.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Unity Bank does not publish a monthly maintenance fee in the index.

The peer median is $8 among 17 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 Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Unity Bank does not publish a monthly maintenance fee, so it is not on this chart.

Unity BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 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.

Financial performance

Call reports for Unity Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $722K
vs prior quarter: +$124K+20.7%; from Q1 2026
vs a year earlier: +$135K+23.0%; from Q2 2025
vs start of range: +$186K+34.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Unity Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$722K	+$124K	+20.7%
Q1 2026	$598K	+$8K	+1.4%
Q4 2025	$590K	+$17K	+3.0%
Q3 2025	$573K	−$14K	−2.4%
Q2 2025	$587K	+$28K	+5.0%
Q1 2025	$559K	−$22K	−3.8%
Q4 2024	$581K	+$45K	+8.4%
Q3 2024	$536K	+$94K	+21.3%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Unity Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Closeout Fee (if closed within 90 days of opening)$30
Dormant Account Fee (per month)$5
per month
Paper Statement Monthly Fee$5
per month
Returned Mail Fee (per envelope returned)$10

Overdraft & NSF

Overdraft Fee (OD) (per item \ per representment)$35
per item
Auto Overdraft Sweep Transfer$5

ATM & Card

ATM\Checkcard Replacement$10

Wire Transfers

Fax Request Outgoing Wire - Domestic$50
Outgoing Wire – Domestic$25
Fax Request Outgoing Wire –International$80
Outgoing Wire - International$40
Incoming Wire - Domestic\International$15

Check Services

Treasurer's Checks Made Payable to a Third Party$10
Stop Payment Fee\ Check and ACH$33
Foreign Check Processing (per item)$40
per item
Account Research Copies (per item, statement, check, deposit, etc.)$5
per item
Statement with Check Images – Front Only (per month)$5
Not compared: Monthly charge, not per item
per month

Digital & Electronic

ACH Origination 10+ files per month (25 entries per file)$40
Not compared: Monthly charge, not per item
per month
ACH Origination Set Up (one-time fee)$100
ACH Origination up to 9 files per month (25 entries per file)$15
Not compared: Monthly charge, not per item
per month
ACH Same Day Processing (per file)$10
per item
Request to Return an ACH File or Transaction$40
ACH Returned Item (per item)$10
per item

Cash & Deposit

Fax\Email Copy of Returned Deposited Item (RDI)$5
Return Deposited Item (RDI) Reprocessing Fee (per client request for bank to re-deposit)$5
Return Deposited Item (RDI)\Charge Back to Account (per item)$20
per item
Night Deposit Lost Key$15

Account Services

Drill Box$200
Not compared: Box drilling or key fee
Late Payment$25
Not compared: Box drilling or key fee
Lost\Duplicate Key$30
Not compared: Box drilling or key fee
Safe Deposit Box 2x5$35
Safe Deposit Box 3x10$90
Safe Deposit Box 3x5$50
Safe Deposit Box 4x5$60
Safe Deposit Box 5x10$115
Safe Deposit Box 5x5$75
Levy Processing Fee$175
Account Verification\Deposit Verification Letter (per verification)$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Closeout Fee (if closed within 90 days of opening)	$30	Not stated	None
Dormant Account Fee (per month)	$5	per month	None
Paper Statement Monthly Fee	$5	per month	None
Returned Mail Fee (per envelope returned)	$10	Not stated	None
Overdraft & NSF
Overdraft Fee (OD) (per item \ per representment)	$35	per item	None
Auto Overdraft Sweep Transfer	$5	Not stated	None
ATM & Card
ATM\Checkcard Replacement	$10	Not stated	None
Wire Transfers
Fax Request Outgoing Wire - Domestic	$50	Not stated	None
Outgoing Wire – Domestic	$25	Not stated	None
Fax Request Outgoing Wire –International	$80	Not stated	None
Outgoing Wire - International	$40	Not stated	None
Incoming Wire - Domestic\International	$15	Not stated	None
Check Services
Treasurer's Checks Made Payable to a Third Party	$10	Not stated	None
Stop Payment Fee\ Check and ACH	$33	Not stated	None
Foreign Check Processing (per item)	$40	per item	None
Account Research Copies (per item, statement, check, deposit, etc.)	$5	per item	None
Statement with Check Images – Front Only (per month)	$5Not compared: Monthly charge, not per item	per month	None
Digital & Electronic
ACH Origination 10+ files per month (25 entries per file)	$40Not compared: Monthly charge, not per item	per month	None
ACH Origination Set Up (one-time fee)	$100	Not stated	None
ACH Origination up to 9 files per month (25 entries per file)	$15Not compared: Monthly charge, not per item	per month	None
ACH Same Day Processing (per file)	$10	per item	None
Request to Return an ACH File or Transaction	$40	Not stated	None
ACH Returned Item (per item)	$10	per item	None
Cash & Deposit
Fax\Email Copy of Returned Deposited Item (RDI)	$5	Not stated	None
Return Deposited Item (RDI) Reprocessing Fee (per client request for bank to re-deposit)	$5	Not stated	None
Return Deposited Item (RDI)\Charge Back to Account (per item)	$20	per item	None
Night Deposit Lost Key	$15	Not stated	None
Account Services
Drill Box	$200Not compared: Box drilling or key fee	Not stated	None
Late Payment	$25Not compared: Box drilling or key fee	Not stated	None
Lost\Duplicate Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 2x5	$35	Not stated	None
Safe Deposit Box 3x10	$90	Not stated	None
Safe Deposit Box 3x5	$50	Not stated	None
Safe Deposit Box 4x5	$60	Not stated	None
Safe Deposit Box 5x10	$115	Not stated	None
Safe Deposit Box 5x5	$75	Not stated	None
Levy Processing Fee	$175	Not stated	None
Account Verification\Deposit Verification Letter (per verification)	$10	per item	None

Correct a fee source

Oct 5, 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

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