Geddes Federal Savings and Loan Association

Headquarters: Syracuse, New York
Charter: Bank
Assets: $685.7M
Fed district: New York

9 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Now Checking Account
Can be waived with a minimum daily balance of $250 or more.
Geddes Federal Savings and Loan Association: $5
Geddes Federal Savings and Loan Association: $5
U.S. median: no median
Overdraft (OD)
Geddes Federal Savings and Loan Association: $25
Geddes Federal Savings and Loan Association: $25
U.S. median: no median
NSF / Returned Item
Geddes Federal Savings and Loan Association: $25
Geddes Federal Savings and Loan Association: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Geddes Federal Savings and Loan Association’s own schedules, with a source for each figure.

Account Maintenance

Now Checking Account Maintenance fee$5
per month
Dormant Account Closed$1
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft -each overdraft paid$25
per item
Non-sufficient funds (Including check, ACH, EFT)$25
per item

ATM & Card

ATM Cash withdrawal at ATMs we do not own or operate$1
For ATM Balance inquiries at ATMs we do not own or operate$0.25
Replace lost ATM Card$10

Wire Transfers

Wire Transfer Outgoing (Customers Only)$25

Check Services

Stop Payments -each$20
per item

Cash & Deposit

Deposited Checks (and other items): Returned Unpaid$10

Fee	Amount	Basis	Note
Account Maintenance
Now Checking Account Maintenance fee	$5	per month	None
Dormant Account Closed	$1	Not stated	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft -each overdraft paid	$25	per item	None
Non-sufficient funds (Including check, ACH, EFT)	$25	per item	None
ATM & Card
ATM Cash withdrawal at ATMs we do not own or operate	$1	Not stated	None
For ATM Balance inquiries at ATMs we do not own or operate	$0.25	Not stated	None
Replace lost ATM Card	$10	Not stated	None
Wire Transfers
Wire Transfer Outgoing (Customers Only)	$25	Not stated	None
Check Services
Stop Payments -each	$20	per item	None
Cash & Deposit
Deposited Checks (and other items): Returned Unpaid	$10	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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