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.

Explore Hamilton View published fees

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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Among its peers

Geddes Federal Savings and Loan Association · $686M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$666M to $704M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Geddes Federal Savings and Loan Association(this institution)	Syracuse, NY	$686M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
BankOrion	Orion, IL	$688M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital Bank	Jacinto City, TX	$690M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank	Cameron, TX	$692M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Concordia Bank & Trust Company	Vidalia, LA	$667M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Constitution Bank, National Association	Hillsboro, IL	$683M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers Bank	Buhl, ID	$678M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Finance Factors, Ltd.	Honolulu, HI	$684M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Bank	Burkburnett, TX	$704M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Community Bank of Central Alabama	Wetumpka, AL	$694M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings Bank	Rochester, IN	$687M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank of Livingston	Livingston, TX	$689M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank	Antlers, OK	$684M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Henderson State Bank	Henderson, NE	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Legacy Bank	Hinton, OK	$686M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
New Tripoli Bank	New Tripoli, PA	$674M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pennian Bank	Mifflintown, PA	$668M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
PS Bank	Wyalusing, PA	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Putnam County Bank	Hurricane, WV	$704M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Springs Valley Bank & Trust Company	French Lick, IN	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Citizens National Bank of Somerset	Somerset, KY	$701M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Hardin County Bank	Savannah, TN	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Poca Valley Bank, Inc.	Walton, WV	$666M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Stephenson National Bank and Trust	Marinette, WI	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
TXN Bank	Hondo, TX	$669M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Yampa Valley Bank	Steamboat Springs, CO	$688M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (38%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $8 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Geddes Federal Savings an…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Geddes Federal Savings and Loan Association's wire transfer changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

Geddes Federal Savings and Loan Association · $686M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$666M to $704M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Geddes Federal Savings and Loan Association(this institution)	Syracuse, NY	$686M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
BankOrion	Orion, IL	$688M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital Bank	Jacinto City, TX	$690M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank	Cameron, TX	$692M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Concordia Bank & Trust Company	Vidalia, LA	$667M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Constitution Bank, National Association	Hillsboro, IL	$683M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers Bank	Buhl, ID	$678M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Finance Factors, Ltd.	Honolulu, HI	$684M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Bank	Burkburnett, TX	$704M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Community Bank of Central Alabama	Wetumpka, AL	$694M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings Bank	Rochester, IN	$687M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank of Livingston	Livingston, TX	$689M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank	Antlers, OK	$684M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Henderson State Bank	Henderson, NE	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Legacy Bank	Hinton, OK	$686M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
New Tripoli Bank	New Tripoli, PA	$674M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pennian Bank	Mifflintown, PA	$668M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
PS Bank	Wyalusing, PA	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Putnam County Bank	Hurricane, WV	$704M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Springs Valley Bank & Trust Company	French Lick, IN	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Citizens National Bank of Somerset	Somerset, KY	$701M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Hardin County Bank	Savannah, TN	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Poca Valley Bank, Inc.	Walton, WV	$666M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Stephenson National Bank and Trust	Marinette, WI	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
TXN Bank	Hondo, TX	$669M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Yampa Valley Bank	Steamboat Springs, CO	$688M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (38%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $8 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Geddes Federal Savings an…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.