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

Sturdy Savings Bank

Stone Harbor, New JerseyBankNew York Fed districtFees collected Oct 6, 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 (per month)$12Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Insufficient Funds (NSF) Returned Item Fee ^$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
Source
Overdraft Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median
Source
Overdraft Protection Transfer Fee$10Above the typical range ($3–$5 nationally)
$5 above the national median
Source
Sustained Overdraft Balance Fee$5Within the typical range ($5–$18.50 nationally)
At the national median
Source

ATM & CardVerified

Non-Sturdy ATM Transactions$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source
Replacement Card$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Wire TransfersVerified

Incoming Wire - Domestic$25Above the typical range ($5–$15 nationally)
$15 above the national median
Source
Incoming Wire - Foreign$40Above the typical range ($10–$25 nationally)
$25 above the national median
Source
Outgoing Wire - Domestic$35Above the typical range ($20–$25 nationally)
$10 above the national median
Source
Outgoing Wire - Foreign$50Within the typical range ($40–$50 nationally)
At the national median
Source

Check ServicesVerified

Cashier's Check Purchases$12Above the typical range ($3–$5.50 nationally)
$7 above the national median
Source
Copy of Check (per check)$10Above the typical range ($2–$5 nationally)
$7 above the national median
per item · Source
Counter Check Purchases (per page)$3Within the typical range ($1–$4 nationally)
$1 above the national median
Source
Stop Payment$40Above the typical range ($20–$30 nationally)
$14 above the national median
Source

Cash & DepositVerified

Returned Deposited Coupons (per envelope)$20Within the typical range ($10–$25 nationally)
$5 above the national median
Source
Returned Deposited Item$18Within the typical range ($10–$25 nationally)
$3 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account (per month)	$12Above the typical range ($5–$10 nationally)	$7 above the national median	per month	—	Source
Research (reconciliation per hour)	$40Above the typical range ($20–$25 nationally)	$15 above the national median	—	—	Source
Savings Account Closed Within 6 Months of Opening	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Overdraft & NSFVerified
Insufficient Funds (NSF) Returned Item Fee ^	$35Above the typical range ($25–$31.50 nationally)	$5 above the national median	—	—	Source
Overdraft Fee	$35
ATM & CardVerified
Non-Sturdy ATM Transactions	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	—	—	Source
Replacement Card	$5
Wire TransfersVerified
Incoming Wire - Domestic	$25Above the typical range ($5–$15 nationally)	$15 above the national median	—	—	Source
Incoming Wire - Foreign	$40
Check ServicesVerified
Cashier's Check Purchases	$12Above the typical range ($3–$5.50 nationally)	$7 above the national median	—	—	Source
Copy of Check (per check)	$10
Digital & ElectronicVerified
Online Bill Payment	$0Within the typical range ($0–$11.13 nationally)	$4.95 below the national median	—	—	Source
Cash & DepositVerified
Returned Deposited Coupons (per envelope)	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Returned Deposited Item	$18
Account ServicesVerified
Levy & Lien Processing	$175Above the typical range ($30–$75 nationally)	$125 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: 21 — leaner than most institutions

Headline fees published

11 of 15

Published fees

Under review

Assets

$1.1B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$1.1B

Total deposits

$1.0B

Service charge income

$234K

Fee income ratio

2.2%

Return on assets

0.83%

Branches

Service charge income by quarter

Q2 2026$234K

Q1 2026$232K

Q4 2025$232K

Q3 2025$226K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 37,727 published fee entries from 2,634 institutions

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