State fee report · New York Fed
What New Jersey banks and credit unions charge for everyday services, measured against the national Bank Fee Index. Every number comes from verified, published fee schedules.
Executive summary
What the verified data says right now. Each finding is recomputed from live data whenever the index refreshes, and links to the exhibit behind it.
Source: Bank Fee Index, verified published fee schedules. Findings appear only where the sample clears the minimum for a median. Data as of Oct 5, 2026.
Exhibit 1 · Everyday fees
The tick is the median; the shaded band is where the middle half of institutions land. The top bar is New Jersey, the bottom bar is the whole country.
Overdraft (OD)
$30.00same vs US
22 NJ institutions · 9 banks, 13 CUs
NSF / Returned Item
$30.00same vs US
32 NJ institutions · 7 banks, 25 CUs
Monthly Maintenance
$10.00+67% vs US
13 NJ institutions · 7 banks, 6 CUs
Non-Network ATM
$1.88+7% vs US
14 NJ institutions · 3 banks, 11 CUs
Wire Transfer (Domestic Out)
$25.00same vs US
26 NJ institutions · 11 banks, 15 CUs
Wire Transfer (Int'l Out)
$50.00same vs US
14 NJ institutions · 8 banks, 6 CUs
Stop Payment
$27.50+10% vs US
43 NJ institutions · 13 banks, 30 CUs
Cashier's Check
$5.50+10% vs US
32 NJ institutions · 13 banks, 19 CUs
Source: Bank Fee Index, verified published fee schedules. One value per institution; a state median needs at least 5 institutions. “Small sample” marks fewer than 10. Data as of Oct 5, 2026.
Free benchmark
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Exhibit 2 · Position vs national
Each bar is the New Jersey median relative to the national median for the same fee. Right of center means New Jersey institutions typically charge more.
Source: Bank Fee Index, verified published fee schedules. Percent difference between the New Jersey median and the national median. Gaps beyond 50% are pinned to the edge. Data as of Oct 5, 2026.
Exhibit 3 · Banks vs credit unions
Median price at banks and at credit unions for each fee in New Jersey. The gap between the dots is what switching charter would typically save or cost.
Percent is the credit union median relative to the bank median. Gaps beyond 40% are pinned to the edge.
Source: Bank Fee Index, verified published fee schedules. One value per institution; a charter is shown only where it has enough institutions for a median. Data as of Oct 5, 2026.
Exhibit 4 · Economy & regulation
The local economy, what the New York Fed is hearing from businesses and lenders, and the latest regulator actions that touch fees.
Prices for bank services
+1.9%
vs +2.7% for all consumer prices, 12 months to Dec 2025
Dec 2020 to Dec 2025
Latest published Dec 2025 · BLS consumer price index
Fed funds rate
3.75%
−0.47 pts vs a year ago
New York Fed Beige Book · August 2026
Economic activity
Wage growth was modest. Selling price increases eased slightly but remained moderate, while input prices continued to rise strongly with energy costs cutting into profit margins. Supply chain strains emerged in the tech and defense sectors. Consumer spending increased slightly, buoyed by strength at the high end. Housing market activity edged slightly higher, though inventory remained limited and prices continued to rise. Commercial real estate activity was strong. Businesses expected little improvement in the months ahead.
Banking and Finance
Refinancing activity declined. Credit standards tightened slightly for business loans and commercial mortgages but eased for residential mortgages. Deposits moved higher. Delinquency rates crept up for most types of loans. A senior loan officer from a New York bank noted that the increasingly poor credit quality of consumer borrowers negatively impacted loan growth, and there was increasing concern among auto lenders about rising delinquencies and defaults.
Regulatory watch
Source: Bureau of Labor Statistics and Federal Reserve series via FRED; Federal Reserve Beige Book; FDIC, OCC, CFPB and Federal Reserve press releases. Shown as published; we add no estimates.
Exhibit 5 · Coverage & local markets
How many of the state's banks and credit unions have verified fees so far, and the cities with the most. Coverage grows with every monthly pass.
Verified vs monitored
Other New York district states
Source: Bank Fee Index, verified published fee schedules. Monitored institutions are FDIC-insured banks and NCUA-insured credit unions headquartered in New Jersey. Data as of Oct 5, 2026.
Appendix · Full benchmark table
Medians, the middle half of prices, and the national comparison for each fee category.
| Fee | New Jersey median | Middle half | National median | vs national | Institutions |
|---|---|---|---|---|---|
| Stop Payment | $27.50 | $21.25 – $32.50 | $25.00 | +10% | 43 |
| Debit Card Replacement | $7.50 | $5.00 – $10.00 | $10.00 | −25% | 35 |
| NSF / Returned Item | $30.00 | $29.38 – $35.00 | $30.00 | in line | 32 |
| Cashier's Check | $5.50 | $5.00 – $10.00 | $5.00 | +10% | 32 |
| Wire Transfer (Domestic Out) | $25.00 | $25.00 – $30.00 | $25.00 | in line | 26 |
| Overdraft (OD) | $30.00 | $26.25 – $35.00 | $30.00 | in line | 22 |
| Deposited Item Return | $25.00 | $15.00 – $30.00 | $15.00 | +67% | 22 |
| Paper Statement | $3.00 | $2.00 – $4.99 | $3.00 | in line | 21 |
| Wire Transfer (Domestic In) | $10.00 | $10.00 – $15.00 | $10.00 | in line | 15 |
| OD Protection Transfer | $5.00 | $5.00 – $7.00 | $5.00 | in line | 15 |
| Wire Transfer (Int'l Out) | $50.00 | $40.00 – $50.00 | $50.00 | in line | 14 |
| Non-Network ATM | $1.88 | $1.13 – $2.50 | $1.75 | +7% | 14 |
| Monthly Maintenance | $10.00 | $5.00 – $15.00 | $5.99 | +67% | 13 |
| Minimum Balance | $10.00 | $7.00 – $10.00 | $5.00 | +100% | 5 |
Source: Bank Fee Index, verified published fee schedules. Median and 25th to 75th percentile of one value per institution. Data as of Oct 5, 2026.
Methodology
Sources.Published fee schedules from FDIC-insured banks and NCUA-insured credit unions headquartered in New Jersey. Every fee is read from the institution's own document and verified before it is published.
Statistics.Each institution counts once per fee, so a bank that lists a fee several times does not outweigh one that lists it once. A median needs at least 5 institutions; headline findings need at least 10.
Comparison.The national figure is the same statistic over every institution in the Bank Fee Index. Differences under 1% are shown as in line. Full methodology →
Sep 2021 to Sep 2026
Sep 2026 · Federal Reserve via FRED
FEDRulemaking· Oct 2, 2026
FEDRulemaking· Oct 2, 2026
Federal Reserve Board issues enforcement action with Ontario Bancorporation, Inc.FEDRulemaking· Sep 24, 2026
Federal Reserve Board issues enforcement action with former employee of Sandy Spring BankFEDRulemaking· Sep 18, 2026
Federal Reserve Board issues enforcement actions with former employee of Northstar Bank, former employee of American Express Travel Related Services Company, Inc., and former employee of Regions BankFEDRulemaking· Sep 18, 2026
Federal Reserve Board announces termination of enforcement action with SNB Bancshares and Bank of Eufaula22 more fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.