Columbia Bank (NJ)

Overview / Commentary
19-01 Route 208 North
Fair Lawn, NJ 07410

Columbia Bank is a New Jersey-based bank that serves a wide range of customers, including consumers, entrepreneurs, corporations, developers, and local government entities. The bank offers personal and business banking products and services, as well as wealth management services and guidance.

On the personal banking side, Columbia’s checking accounts offer several options to suit a consumer’s financial needs, including a free account with no monthly fees and a high-interest bearing account that comes with avoidable balance requirements. Savings accounts that are available give consumers access to free services like a debit card and online bill pay. By opening both a checking and savings account with Columbia, customers can be reimbursed for ATM fees up to a certain amount. The bank’s money market accounts have a minimum daily balance requirement in order to earn interest and off higher levels of interest for increased account balance thresholds. Certificates of deposit (CDs) range in term lengths from 7 days to 84 months and IRAs from 3 to 72 months. Youth targeted banking is also available and consists of a savings account that comes with very low initial deposit and minimum to earn interest requirements.

Columbia Bank online banking provides a web-based platform for customers to view all of their account activity, make and schedule fund transfers, set email alerts, pay bills, and make loan payments. The banking system also comes with a financial management tool powered by Quicken that integrates Columbia bank accounts into budgeting software and allows customers to effectively manage their finances. Mobile banking apps have also been released by the bank and provide smartphone and tablet access to accounts to make banking on the go convenient and easy.

Columbia Bank was originally established in 1926 as Columbia Savings and Loan Association, before shifting to its current name in 1995. The bank is headquartered in Fair Lawn, New Jersey and serves its customers through numerous branches in the New Jersey and New York regions.

No BS Bank

Posted by: |

I've banked with Columbia Bank NJ for many years. I don't wait long at the lobby or the ATM. I've done a HELOC with them and they keep the note and don't sell it to other banks. They High Yield Checking Plus is a great account that pays over 1% for over $10k and about .50% if you fall under, but, there are no penalties for being low balance. It's a no brainer. You can write unlimited checks and withdrawals. Online banking and mobile app are just as good as all the others. The only negative is that they don't have more locations, but they're adding. I don't feel like I have to open two accounts and keep a dang balance in both (like Chase or Bank of America). It's a no hassle bank and I am AMAZED at how many others are hesitant to bank with them. It beats Valley National, Chase, BoA, Wells Fargo in my opinion and I bank with them all. Wish I could cancel my other banks but I'm a bit "tied" with them.

Great Bank And I Have Banked With A Lot

Posted by: |

I think some of the reviews are posted by people who are inexperience.

I travel around the world, have a 2nd home in Australia etc. Columbia's debit card worked everywhere I went, no hassles.

The customer service is great.

I used to bank with B of A and quit after they gambled with my money and my tax payer dollars had to bail them out.

Columbia keeps their mortgages, are not profit greedy and are local. They try to know their customers.

Unlike some small banks they are able to do foreign wire transfers, which my credit union couldn't do.

They are very security conscious.

West Deptford Office

I have been a customer of this branch for 10 years. Everyone that works there is wonderful. They always have it decorated so nice and warm. For the holidays it is so nice. Well today I go in and they have some new suit running things and he made them take all the decorations down even put the lollipops behind the counter why??? It looks cold and plain. Hey suit we customers like warm and homey not cold and buisnessy. Whats the deal !!!! Change it back your policy stinks...????????????

Not A Good Bank

Posted by: |

They always seem to have trouble keeping tellers in Mapleshade and Voorhees. I hear they get hands on training but they don't stay. Since 1985 keeping tellers at these locations is a problem Whats up with that



Health Grade Components

FDIC Certificate #28834
Year Established1926
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD9.96%
Annual Interest Income$270.4MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$8.92B$8.78B
LoansQ4 2021vs Q4 2020$6.14B$6.11B
DepositsQ4 2021vs Q4 2020$7.47B$6.90B
Equity CapitalQ4 2021vs Q4 2020$937.6MM$873.6MM
Loan Loss AllowanceQ4 2021vs Q4 2020$62.7MM$74.7MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$3.7MM$7.8MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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Always verify rates and promotions with the bank or credit union. We are not Columbia Bank (NJ); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Columbia Bank (NJ) Savings Account Rates

0.15%$1-Kids Count Passbook
0.15%$1-Kids Count Statement
0.05%$10-Statement Savings
0.05%$100-Health Savings Account

Columbia Bank (NJ) Money Market Rates

0.25%*$500k*-Business Money Market
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k | 0.20% $100k - $500k
0.15%*$10k*$500kAdvantage Money Market
OTHER TIERS: 0.05% Any amount | 0.10% $2.5k - $10k

Columbia Bank (NJ) Checking Account Rates

0.30%*$250k*-Non-Profit Interest Checking
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $250k
0.25%*$10k*$500kYield Plus Checking
OTHER TIERS: 0.05% Up to $1k | 0.10% $1k+

Columbia Bank (NJ) CD Rates

1.35%$500-36 Month Advantage Plus CD
1.25%$500-36 Month CD
1.25%$500-60 Month CD
1.25%$500-72 Month CD
1.10%$500-24 Month Advantage Plus CD
1.05%$500-20 Month Bump Up CD
1.00%$500-24 Month CD
0.50%$500-18 Month CD
0.40%$500-12 Month Advantage Plus CD
0.30%$500-12 Month CD
0.05%$500-91 Day CD

Columbia Bank (NJ) IRA Rates

1.35%$500-36 Month IRA
1.35%$500-60 Month IRA
1.35%$500-72 Month IRA
1.10%$500-24 Month IRA
0.50%$500-18 Month IRA
0.40%$500-12 Month IRA
0.20%$100-18 Month Variable IRA
0.05%$500-91 Day IRA


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