Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

Geddes Federal Savings and Loan Association

Syracuse, New YorkBankNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$15Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=account_research; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="Account Research | $15 Per Hour (Minimum of $5.00)" · Source

Overdraft & NSFVerified

Non-sufficient funds (Including check, ACH, EFT)$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=nsf; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="Non-sufficient funds (Including check, ACH, EFT)* | $25.00 for each presentment" · Source
Overdraft -each overdraft paid$25Within the typical range ($20–$30 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=overdraft; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="Overdraft -each overdraft paid** | $25.00" · Source

ATM & CardVerified

ATM Cash withdrawal at ATMs we do not own or operate$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=atm_non_network; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="ATM Cash withdrawal at ATMs we do not own or operate | $1.00" · Source

Wire TransfersVerified

Wire Transfer Outgoing (Customers Only)$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=wire_domestic_outgoing; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="Wire Transfer Outgoing (Customers Only) | $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$15Within the typical range ($15–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=account_research; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="Account Research \| $15 Per Hour (Minimum of $5.00)"	Source
Overdraft & NSFVerified
Non-sufficient funds (Including check, ACH, EFT)	$25Within the typical range ($25–$32 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=nsf; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="Non-sufficient funds (Including check, ACH, EFT)* \| $25.00 for each presentment"	Source
Overdraft -each overdraft paid
ATM & CardVerified
ATM Cash withdrawal at ATMs we do not own or operate	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=atm_non_network; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="ATM Cash withdrawal at ATMs we do not own or operate \| $1.00"	Source
Wire TransfersVerified
Wire Transfer Outgoing (Customers Only)	$25Within the typical range ($20–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3203. canonical_hint=wire_domestic_outgoing; text_hash=123917435a305ef5c1e3a330a4fcb5b0e564e7749ad9a5b9d499050559d08328; excerpt="Wire Transfer Outgoing (Customers Only) \| $25.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

11% below the national median overdraft fee

Total fees: 5 — leaner than most institutions

Verified fees

Under review

Assets

$685.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$685.7M

Total deposits

$512.0M

Service charge income

$9K

Fee income ratio

0.30%

Return on assets

0.32%

Branches

Service charge income by quarter

Q2 2026$9K

Q1 2026$9K

Q4 2025$9K

Q3 2025$9K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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