New York Fed · District 2

Bank fees in New Jersey

Name: New Jersey Bank and Credit Union Fees Compared
Creator: Fee Insight

Overdraft and NSF medians are about the same as the national median. The minimum balance median is $3.50 above the national median.

institutions with published feesof 175 headquartered in New Jersey: 92
medians fall within the national middle 50%: 14 of 14

Data refreshed Nov 2, 2026

Get the free New Jersey report

Local fee benchmarks

Newark's non-network ATM median is $3; New Jersey's is $1.38.

Non-Network ATM median by market, institutions with a branch thereNew Jersey $1.38, 34 institutions

New Jersey's 8 largest markets by institutions with a branch there; marker size follows that count. Every New Jersey city on the map

Overdraft (OD)NSF / Returned Item Monthly Maintenance Non-Network ATM Stop Payment Wire Transfer (Domestic Out)Paper Statement Debit Card Replacement

Newark
11 institutions
$3
New Jersey
34 institutions
$1.38
New York Fed district
116 institutions
$1.50
U.S.
1,651 institutions
$1.50

Who each median counts

Newark: With a branch in Newark, wherever headquartered
New Jersey: Headquartered in New Jersey
New York Fed district: Headquartered in the New York Fed district
U.S.: Every institution in the index

Newark

Fee data available for 24 of 33 institutions

Compare Newark fees

Sources: Branches from the FDIC Summary of Deposits (banks) and NCUA (credit unions). One value per institution: its highest overdraft fee, the middle of its schedule for other fees. A median needs at least 5 institutions.

New Jersey's banks and credit unions

92 of the 175 institutions headquartered in New Jersey have published fees here, and 91 of them have fees that count toward the medians on this page. Figures here count those headquartered institutions, except branches and deposits, which count every institution serving the state.

Banks versus credit unions

Credit unions have lower medians on 9 of 14 fees, among institutions headquartered in New Jersey.

lower at credit unions: 9
lower at banks: 3
about the same: 2

14 fees with both a bank and a credit union median in New Jersey.

Lower at credit unions

Lower at banks

About the same

Fee

Overdraft (OD)

Credit unions $5 lower in New Jersey.

$35

Banks

median of 23

$30

Credit unions

median of 28

Three fees with lower bank medians

Debit Card Replacement

Banks

median of 26

$7.75

Credit unions

median of 44

Deposited Item Return

$15

Banks

median of 21

$25

Credit unions

median of 31

Minimum Balance

$8.50

Banks

median of 10

$10

Credit unions

median of 8

Every fee, banks against credit unions

Bank and credit union medians in New Jersey; the lower median is shaded.
Fee	Banks	Credit unions	Difference
Overdraft (OD)	$35	$30	$5
NSF / Returned Item	$34.50	$30	$4.50
Monthly Maintenance	$8.50	$5	$3.50
Non-Network ATM	$1.50	$1.13	$0.37
Wire Transfer (Domestic Out)	$25	$25	Same
Wire Transfer (Int'l Out)	$40	$40	Same
Stop Payment	$30	$25	$5
Cashier's Check	$10	$5	$5
Debit Card Replacement	$6	$7.75	$1.75
Deposited Item Return	$15	$25	$10
Wire Transfer (Domestic In)	$15	$10	$5
Paper Statement	$3	$2	$1
OD Protection Transfer	$10	$5	$5
Minimum Balance	$8.50	$10	$1.50

Fee medians by peer group

Institutions under $300M in assets in New Jersey

Non-Network ATM runs $0.38 below the New Jersey median.

Overdraft (OD)
Group median:
$30
of 27 institutions publishing
State median:
$30
of 51 institutions publishing
Difference: Within 1%
NSF / Returned Item
Group median:
$30
of 44 institutions publishing
State median:
$30
of 64 institutions publishing
Difference: Within 1%
Monthly Maintenance
Group median:
$5
of 17 institutions publishing
State median:
$6.38
of 38 institutions publishing
Difference: $1.38 below
Non-Network ATM
Group median:
$1
of 20 institutions publishing
State median:
$1.38
of 34 institutions publishing
Difference: $0.38 below
Wire Transfer (Domestic Out)
Group median:
$25
of 38 institutions publishing
State median:
$25
of 64 institutions publishing
Difference: Within 1%

Difference: the group median against the New Jersey median, up arrow above, down arrow below. Colour shows direction only: above or below the median is not good or bad.

Show all 14

Wire Transfer (Int'l Out)
Group median:
$42.50
of 20 institutions publishing
State median:
$40
of 41 institutions publishing
Difference: $2.50 above
Stop Payment
Group median:
$25
of 53 institutions publishing
State median:
$26.25
of 84 institutions publishing
Difference: $1.25 below
Cashier's Check
Group median:
$5
of 33 institutions publishing
State median:
$6
of 63 institutions publishing
Difference: $1 below
Debit Card Replacement
Group median:
$7.50
of 43 institutions publishing
State median:
$7.25
of 70 institutions publishing
Difference: $0.25 above
Deposited Item Return
Group median:
$25
of 29 institutions publishing
State median:
$20
of 52 institutions publishing
Difference: $5 above
Wire Transfer (Domestic In)
Group median:
$10
of 20 institutions publishing
State median:
$10
of 37 institutions publishing
Difference: Within 1%
Paper Statement
Group median:
$2
of 22 institutions publishing
State median:
$2.75
of 36 institutions publishing
Difference: $0.75 below
OD Protection Transfer
Group median:
$5
of 21 institutions publishing
State median:
$5
of 32 institutions publishing
Difference: Within 1%
Minimum Balance
Group median:
Too few to compare
of 7 institutions publishing
State median:
$10
of 18 institutions publishing
Difference: Not compared

How groups are counted

Each institution counts once: its highest overdraft fee, the middle of its schedule for other fees.
Size bands come from FDIC and NCUA total assets, bank regulator from the FDIC registry and credit union charter from NCUA.
The New Jersey median counts every institution headquartered in the state that publishes the fee.

Source: Institutions headquartered in New Jersey with verified fees, Bank Fee Index; size, regulator and charter from FDIC and NCUA records. A group median needs at least 8 institutions. Data as of Nov 2, 2026.

Who serves New Jersey

The five largest banks hold 56% of bank deposits in New Jersey. 175 banks and credit unions are headquartered here; 2,228 bank branches and 317 credit union branches serve the state, wherever headquartered.

Bank of America, National Association16.3% · $73.4B across 179 branches
TD Bank, National Association12.8% · $57.5B across 208 branches
PNC Bank, National Association9.4% · $42.5B across 175 branches
JPMorgan Chase Bank, National Association8.9% · $40.1B across 188 branches
Wells Fargo Bank, National Association8.4% · $37.8B across 196 branches
Every other bank44.2% · $199.0B

51% of the 49 banks hold $100M to $1B in assets

FDIC asset-size groups

44% of the 126 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions headquartered in New Jersey, tracked by Fee Insight. Total assets from FDIC and NCUA data, grouped the way each regulator reports them: the FDIC asset-size groups for banks and the NCUA groups for credit unions. Bank deposits from the FDIC Summary of Deposits, 2026, for branches in New Jersey; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

New Jersey bank service charges rose 18.2% from Q2 2025 to Q2 2026. Credit union fee income is a wider measure than bank service charges, so the two charts stay separate and are never added together.

Banks: service charges on deposit accounts

$37.0MQ2 2026

+18.2% from Q2 2025

Credit unions: all fee income

$15.6MQ2 2026

+3.5% from Q2 2025

Source: Institutions headquartered in the state. Banks: service charges on deposit accounts, FDIC call reports. Credit unions: all fee income, NCUA call reports. Credit union year-to-date income is split into quarters; a quarter shows once most institutions have filed.

Free report

Get the free New Jersey fee report

The New Jersey medians against the U.S., sent to you and updated as schedules are verified.

New Jersey versus the New York district

Higher in New Jersey: minimum balance +⁠$2.50, monthly maintenance +⁠$1.38, stop payment +⁠$1.25 and 2 more. Lower in New Jersey: wire transfer −⁠$5, debit card replacement −⁠$2.75, non-network ATM −⁠$0.12. The other 6 fees are about the same.

Wire Transfer (Int'l Out)
New Jersey $40 (41 inst.) · District $45 (127 inst.)
−$5
Debit Card Replacement
New Jersey $7.25 (70 inst.) · District $10 (205 inst.)
−$2.75
Minimum Balance
New Jersey $10 (18 inst.) · District $7.50 (30 inst.)
+$2.50
Monthly Maintenance
New Jersey $6.38 (38 inst.) · District $5 (97 inst.)
+$1.38
Stop Payment
New Jersey $26.25 (84 inst.) · District $25 (250 inst.)
+$1.25

New Jersey median against the New York district median, by fee
Fee	New Jersey	District	Gap
Wire Transfer (Int'l Out)	$4041 inst.	$45127 inst.	−$5
Debit Card Replacement	$7.2570 inst.	$10205 inst.	−$2.75
Minimum Balance	$1018 inst.	$7.5030 inst.	+$2.50
Monthly Maintenance	$6.3838 inst.	$597 inst.	+$1.38
Stop Payment	$26.2584 inst.	$25250 inst.	+$1.25

What the Fed sees in the district

“Economic activity in the Second District increased slightly, led by strength in manufacturing.”

Beige Book, New York district, October 2026 Hamilton sets it beside an institution's own fees

Open the New York district report

Source: Both medians count institutions by headquarters; the district takes in New Jersey and the rest of the Federal Reserve's New York district. Medians from each institution's own published schedule, one value per institution; a median needs at least 5. A gap under 1% reads as about the same. Federal Reserve Beige Book, New York district.

New Jersey versus the U.S.

3 of 14 New Jersey medians sit above the U.S. median. New Jersey medians count institutions headquartered in New Jersey; U.S. medians count every institution in the index.

Overdraft (OD)

$30

Median of 51 New Jersey institutions. U.S. $30.

New Jersey institutionsNational middle range

Explore 29 additional New Jersey fee categories in Hamilton.

Method: Findings rank only fees with at least 10 New Jersey institutions. Fees with fewer appear in the list, unranked. The national middle range runs from the 25th to the 75th percentile of U.S. institutions.

National context

New Jersey unemployment was 4.2% in September 2026, against 4.2% for the U.S.

New Jersey

Unemployment rate, against the U.S.

New JerseyU.S.

Sep 2021 to Sep 2026

Median household income in New Jersey: $104K (2024).

United States

Bank services prices, change over 12 months

Sep 2021 to Sep 2026

+1.0% in the 12 months to Sep 2026, nationally.

Source: BLS unemployment and the BLS CPI for checking accounts and other bank services; Census ACS 2024 median household income. The CPI is national; it has no state figure.

More New Jersey data: fee complaints to the CFPB

Fee complaints to the CFPB, 2025

Per $1 billion of deposits.

New York district0.1
U.S.1.1

3 New Jersey institutions are matched to CFPB records, under the 10 a rate needs.

Source: CFPB Consumer Complaint Database, fee-related issues. Only institutions matched to their CFPB company record count, and a rate needs 10 of them.

Where does your institution sit?

Hamilton, the Fee Insight workspace, sets an institution's own fees beside institutions its size in New Jersey.

See Hamilton plans Or ask for a demo

From 91 New Jersey banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 2, 2026. Methodology

Bank fees in New Jersey

Overdraft and NSF medians are about the same as the national median. The minimum balance median is $3.50 above the national median.

institutions with published feesof 175 headquartered in New Jersey

medians fall within the national middle 50%

14 of 14

Data refreshed Nov 2, 2026

Fee

Banks

Credit unions

Difference

Overdraft (OD)

$35

$30

NSF / Returned Item

$34.50

$30

$4.50

Monthly Maintenance

$8.50

$3.50

Non-Network ATM

$1.50

$1.13

$0.37

Wire Transfer (Domestic Out)

$25

Same

Wire Transfer (Int'l Out)

$40

Same

Stop Payment

$30

$25

Cashier's Check

$10

Debit Card Replacement

$7.75

$1.75

Deposited Item Return

$15

$25

$10

Wire Transfer (Domestic In)

$15

$10

Paper Statement

OD Protection Transfer

$10

Minimum Balance

$8.50

$10

$1.50

Fee

New Jersey

District

Lower in New Jersey Higher in New Jersey

Gap

Wire Transfer (Int'l Out)

$4041 inst.

$45127 inst.

−$5

Debit Card Replacement

$7.2570 inst.

$10205 inst.

−$2.75

Minimum Balance

$1018 inst.

$7.5030 inst.

+$2.50

Monthly Maintenance

$6.3838 inst.

$597 inst.

+$1.38

Stop Payment

$26.2584 inst.

$25250 inst.

+$1.25