Featured Savings Rates
Featured Accounts

Columbia Bank (NJ)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.70%5-year CD60 Month CD
1.40%4-year CD48 Month CD
1.10%CheckingYield Plus Checking

Overview / Commentary
201-794-5840
19-01 Route 208
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.

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Advantage Plus Checking - $200 Bonus - 7/5/2017

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Great Bank And I Have Banked With A Lot

Posted by: joetassa | Jun 6, 2015

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...????????????

Ok, But Not Great

It's an OK bank. I used to have Chase, but when I moved I switched to a local bank that has free checking (Columbia Bank) so free checking with no minimum balance is great, but if you use debit instead of credit, they charge you $. 20 per transaction. Also if you deposit a check at the bank or thru ATM, no money is available for immediate withdrawal at all and it takes 1-3 business days for it to clear regardless of check type. Most other banks would make at least $100 available immediately and the check would clear next day, but not with Columbia. Also making a transaction dispute is extremely difficult and any reimbursements usually take days. Other banks, one call dispute done, money reimbursed immediately as I watch online. If you lose your debit card, there's no instant new one, go to wait 5-10 days for mail. Also there's no leeway for errors. If you go into negative balance and then deposit cash thru ATM you still get overdraft fees. So the cons heavily outway the pros. Sorry Columbia, you gotta step it up several notches.

Worst Bank Ever

Posted by: TracyD | Jun 22, 2017

Not only do large checks take ridiculously long to clear, but I was told yesterday in the Fair Lawn branch that you had to call ahead to cash a check over $3,000 because they "have to order the money and it takes at least a week." Thankfully this is not my bank but my father's. Head over to chase where you can cash a $15,000 check without them needing to "order the money." I have been dealing with them for 2 years after becoming POA over my father and there is a problem every single time I go there. If I could give them zero stars and still post I would.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #28834
Year Established1926
Employees597
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD8.6%
Annual Interest Income$92.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$5.35B$4.95B
LoansQ2 2017vs Q2 2016$4.31B$3.86B
DepositsQ2 2017vs Q2 2016$4.03B$3.74B
Equity CapitalQ2 2017vs Q2 2016$499.4MM$492.2MM
Loan Loss AllowanceQ2 2017vs Q2 2016$52.1MM$53.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$8.5MM$14.9MM
Real Estate OwnedQ2 2017vs Q2 2016$488.00K$1.6MM
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Kids Count Passbook
0.30%--Kids Count Statement
0.20%--Online eAdvantage Savings
0.15%$50-Holiday Club
0.15%$100-Passbook Savings
0.15%--Statement Savings
0.15%$100-Health Savings Account
0.15%$50-Passbook Variable IRA
0.15%--Distribution Variable IRA

Columbia Bank (NJ) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$25k*-Online eAdvantage Money Market
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k

Columbia Bank (NJ) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$10k*$250kYield Plus Checking
OTHER TIERS: 0.10% Any amount | 0.25% $1k - $10k
1.10%*$10k*$250kOnline Yield Plus Checking
OTHER TIERS: 0.10% Any amount | 0.25% $1k - $10k
0.10%$500-NOW Safeguard
0.10%$1k-NOW Return Style

Columbia Bank (NJ) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%$500-60 Month Advantage Plus CD
1.70%$500-60 Month CD
1.70%$500-Online 60 Month CD
1.70%$500-Online 72 Month CD
1.70%$500-Online 84 Month CD
1.70%$500-72 Month CD
1.70%$500-84 Month CD
1.60%$500-36 Month Advantage Plus CD
1.60%$500-36 Months Home Saver CD
1.50%$500-30 Month CD
1.50%$500-Online 30 Month CD
1.40%$500-12 Month Advantage Plus CD
1.40%$500-48 Month CD
1.40%$500-Online 48 Month CD
1.40%$500-Online 12 Month Advantage Plus CD
1.35%$500-36 Month CD
1.35%$500-Online 36 Month CD
1.25%$500-24 Month CD
1.25%$500-Online 24 Month CD
1.25%$500-20 Month Bump Up CD
1.25%$500-Online 20 Month Bump Up CD
1.15%$500-12 Month CD
1.15%$500-Online 12 Month CD
1.00%$500-182 Day CD
1.00%$500-Online 6 Month CD
0.60%$500-9 Month CD
0.60%$500-Online 9 Month CD
0.55%$500-18 Month CD
0.55%$500-Online 18 Month CD
0.45%$500-20 Month CD
0.10%$2,500-7 Days CD
0.10%$2,500-28 Days CD
0.10%$500-91 Days CD
0.10%$500-Online 91 Day CD

Columbia Bank (NJ) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%$500-60 Month IRA
1.95%$500-72 Month IRA
1.95%$500-84 Month IRA
1.65%$500-48 Month IRA
1.60%$500-36 Month IRA
1.50%$500-24 Month IRA
1.50%$500-30 Month IRA
1.40%$500-12 Month Advantage Plus IRA
1.25%$500-20 Months - Bump Up IRA
1.15%$500-12 Month IRA
1.00%$500-182 Day IRA
0.75%$500-40 Month IRA
0.75%$500-42 Month IRA
0.60%$500-9 Month IRA
0.55%$500-18 Month IRA
0.50%$100-18 Month Variable IRA
0.45%$500-20 Month IRA
0.20%$500-15 Month IRA
0.10%$500-91 Day IRA
0.10%$500-4 Month IRA
0.10%$500-5 Month IRA
0.10%$500-7 Month IRA
0.10%$500-8 Month IRA
0.10%$500-10 Month IRA
0.10%$500-11 Month IRA
0.10%$500-14 Month IRA
Locations

Availability