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.

Explore Hamilton View published fees

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.

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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.

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