Raritan Bay Federal Credit Union

Headquarters: Sayreville, New Jersey
Charter: Credit Union
Assets: $107.5M
Fed district: New York

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

Source: its fee schedule, read Oct 19, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Flex Checking
Raritan Bay Federal Credit Union: $5
Raritan Bay Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Raritan Bay Federal Credit Union: $30
Raritan Bay Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $40, the middle of its prices
Raritan Bay Federal Credit Union: $30 to $50
Raritan Bay Federal Credit Union: $30 to $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 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 Raritan Bay Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Unlimited checking transactions Monthly service fee$5
per month
Account Closed within 60 days of Opening$25
Dormant Account Fee (per month)$5
per month
Escheat Processing (per account)$50
Account Research (per hour, 1 hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Advance (per item)$30
per item
NSF- Insufficient Funds (per item)$50
per item
NSF-Insufficient Funds (per item)$30
per item
Overdraft Transfer (per item, charged per day)$10
per item

ATM & Card

ATM Cash Advance$5
Plastic Card Replacement$7.50
Rush Domestic Delivery of Replace Card (additional)$45
Foreign Transaction1%of the transaction

Wire Transfers

Wire Fee: Outgoing Domestic$25
Wire Fee: Incoming Domestic$10

Check Services

Cashier's Check (certified equivalent)$10
per item
Money Order (not valid over $1,500)$5
Stop Payment (per item)$50
per item
Stop Payment (per item)$30
per item
Stop Payment Range- sequentially numbered (up to 25 items)$40
Temporary Checks$2
per item · set of 4
Temporary Checks (set of 4)$2
Copy of Cleared Check (per item, over 1 year)$10
per item
Copy of Cleared Check (per item)$5
per item
Corporate Check Copy (less than 6 months old)$5
per item

Digital & Electronic

Bill Pay ServiceNo charge

Cash & Deposit

Coin Processing (per roll)$0.05
per item
Cash Advances$10
per transaction
Debit Card Cash Advance$2.50

Account Services

Notary Public ServiceNo charge
Levy Processing$100
Account Verification Letter$20

Lending Fees

Late Payment5%

Retirement & IRA

IRA Closed Account$20

Gift & Prepaid Cards

VISA Gift Card (per card)$4
per item

Other Fees

Overnight Mail Processing (plus postage)$15
Faxing (per page)$1
per item
Statement Reprint (per statement)$5
Early Payoff Letter$10
Loan Modification Fee$100

Fee	Amount	Basis	Note
Account Maintenance
Unlimited checking transactions Monthly service fee	$5	per month	None
Account Closed within 60 days of Opening	$25	Not stated	None
Dormant Account Fee (per month)	$5	per month	None
Escheat Processing (per account)	$50	Not stated	None
Account Research (per hour, 1 hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Advance (per item)	$30	per item	None
NSF- Insufficient Funds (per item)	$50	per item	None
NSF-Insufficient Funds (per item)	$30	per item	None
Overdraft Transfer (per item, charged per day)	$10	per item	None
ATM & Card
ATM Cash Advance	$5	Not stated	None
Plastic Card Replacement	$7.50	Not stated	None
Rush Domestic Delivery of Replace Card (additional)	$45	Not stated	None
Foreign Transaction	1%of the transaction	Not stated	None
Wire Transfers
Wire Fee: Outgoing Domestic	$25	Not stated	None
Wire Fee: Incoming Domestic	$10	Not stated	None
Check Services
Cashier's Check (certified equivalent)	$10	per item	None
Money Order (not valid over $1,500)	$5	Not stated	None
Stop Payment (per item)	$50	per item	None
Stop Payment (per item)	$30	per item	None
Stop Payment Range- sequentially numbered (up to 25 items)	$40	Not stated	None
Temporary Checks	$2	per item	set of 4
Temporary Checks (set of 4)	$2	Not stated	None
Copy of Cleared Check (per item, over 1 year)	$10	per item	None
Copy of Cleared Check (per item)	$5	per item	None
Corporate Check Copy (less than 6 months old)	$5	per item	None
Digital & Electronic
Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Coin Processing (per roll)	$0.05	per item	None
Cash Advances	$10	per transaction	None
Debit Card Cash Advance	$2.50	Not stated	None
Account Services
Notary Public Service	No charge	Not stated	None
Levy Processing	$100	Not stated	None
Account Verification Letter	$20	Not stated	None
Lending Fees
Late Payment	5%	Not stated	None
Retirement & IRA
IRA Closed Account	$20	Not stated	None
Gift & Prepaid Cards
VISA Gift Card (per card)	$4	per item	None
Other Fees
Overnight Mail Processing (plus postage)	$15	Not stated	None
Faxing (per page)	$1	per item	None
Statement Reprint (per statement)	$5	Not stated	None
Early Payoff Letter	$10	Not stated	None
Loan Modification Fee	$100	Not stated	None

Correct a fee source

Oct 19, 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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