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Overview / Commentary
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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Reviews (8)

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.

Great Service!

This is not a huge bank yet a good size. They treat you like you live in a small town and I have even had them call me personally when my balance ran low & a check came in. Great bank!

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.

Morlot Avenue Branch

Posted by: Anonymous | Jan 23, 2012

This is an excellent local bank with good personal service that unfortunately varies widely from branch to branch. The branch on River Road in Fair Lawn is the best, with personable and intelligent staff. I have found that the branch on 208 is less accommodating, and I will never ever go to the Morlot Avenue branch again. Repeated rudeness on their part, and insisting that I come into the (empty) lobby to process transactions that are perfectly acceptable at the drive through successfully drove me away.

Not A Good Bank If You Travel Outside Of The US

Posted by: glutamine | Jul 28, 2012

The debit/check card is very inconvenient.  We have to call frequently to verify transactions so that holds are released from our account.

Most recently, I called to clear our account for travel outside the US and even though I gave them our account number, they cleared only my card number for travel and not my husband's which we discovered when we were refused a purchase and had to borrow a friend's cell phone to make the international call to the bank.  (The rep gave the excuse that I had mentioned only MY travel and not my husband's which was not the case, showing the bank's complete lack of taking any responsibility).

We made 2 purchases since that time and now they've turned off access to our card again including online banking and the customer service center is of course closed so here we are in England for the Olympics and have absolutely no access to our money.

We'll be changing banks when we return home.

Worst Bank EVER

I cannot say enough about this bank , besides take you business elsewhere . This is the worst bank that I have ever dealt with . Even at the Corporate level customer service is lacking . I pulled my accounts with the exception of a home equity that I am , unfortunately tied to

Not A Good Start

Posted by: Gemirgo | Jul 23, 2013

If I could give this place less than a one star rating I would.  I had just moved into the area and there is a Columbia Bank on the corner of my street, so I thought - how convenient - I'll open a checking account here.  Big mistake.  It has been almost three weeks since I opened my account, and I still do not have an ATM card or checks to access my money, due to the fact that the person who opened my account neglected to place the order for the ATM card & checks.  And when I asked about it, all I got was an oh well, too bad kind of attitude.  No one apologized or asked if they could do anything to help.  

Not a great way to treat a new customer.  Stay away from this bank.


Health Grade Components

FDIC Certificate #28834
Year Established1926
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.61%
Annual Interest Income$127.8MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$5.05B$4.78B
LoansQ3 2016vs Q3 2015$3.93B$3.78B
DepositsQ3 2016vs Q3 2015$3.85B$3.61B
Equity CapitalQ3 2016vs Q3 2015$498.6MM$468.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$51.9MM$56.9MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$11.0MM$19.9MM
Real Estate OwnedQ3 2016vs Q3 2015$1.3MM$3.0MM
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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

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
0.15%--Distribution Variable Roth IRA
0.15%$50-Passbook Variable Roth IRA
0.15%--Distribution Variable CESA
0.15%$50-Passbook Variable CESA

Columbia Bank (NJ) Money Market Rates

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

Columbia Bank (NJ) Checking Account Rates

0.90%*$10k*$250kYield Plus Checking
OTHER TIERS: 0.10% Any amount | 0.25% $1k - $10k
0.90%*$10k*$250kOnline Yield Plus Checking
OTHER TIERS: 0.10% Any amount | 0.25% $1k - $10k
0.90%*$10k*$250kCampus Checking
OTHER TIERS: 0.10% Any amount | 0.25% $1k - $10k
0.90%*$10k*$250kOnline Campus 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

1.85%$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
1.50%$500-36 Month Advantage Plus CD
1.40%$500-48 Month CD
1.40%$500-Online 48 Month 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
1.15%$500-12 Month Advantage Plus CD
1.15%$500-Online 12 Month Advantage Plus CD
1.00%$500-12 Month CD
1.00%$500-30 Month CD
1.00%$500-Online 12 Month CD
1.00%$500-Online 30 Month CD
0.75%$500-20 Month Bump Up CD
0.75%$500-Online 20 Month Bump Up 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
0.20%$500-182 Day CD
0.20%$500-Online 6 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

1.85%$500-60 Month IRA
1.85%$500-72 Month IRA
1.70%$500-84 Month IRA
1.55%$500-48 Month IRA
1.50%$500-36 Month IRA
1.40%$500-24 Month IRA
1.15%$500-12 Month Advantage Plus IRA
1.00%$500-12 Month IRA
1.00%$500-13 Month IRA (Oradell Branch Only)
1.00%$500-30 Month 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
0.45%$500-25 Month IRA
0.20%$500-182 Day 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

Columbia Bank (NJ) has 45 locations. Click to view all Columbia Bank (NJ) locations.