21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 5, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
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.
| 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.
Peer pricing snapshot
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.
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.
Amounts from Unity Bank’s own schedules, with a source for each figure.
per item
per item
per month
per month
per month
per item
per item
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 |
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
We check once a day and send one email covering every change.