Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

Gouverneur Savings and Loan Association

Gouverneur, New YorkBankNew York Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account closed within six months of opening$25Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Nonsufficient funds - each$32Above the typical range ($25–$31 nationally)
$2 above the national median
Source
Overdraft - each overdraft paid$32Within the typical range ($25–$32 nationally)
$2 above the national median
Source

Wire TransfersVerified

Wire transfer: Incoming$20Above the typical range ($5–$15 nationally)
$10 above the national median
Source
Wire transfer: Outgoing$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source

Check ServicesVerified

Bank check$5Within the typical range ($3–$5.75 nationally)
At the national median
Source
Copy of check (truncated accounts)$1.50Below the typical range ($2–$5 nationally)
$1.50 below the national median
Source
Counter check$2.50Within the typical range ($1–$4 nationally)
$0.50 above the national median
Source
Stop payments - each$25Within the typical range ($20–$30 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account closed within six months of opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Account research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Checking Inactive/Dormant Account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Minimum balance to avoid imposition of fees - A monthly service charge fee of	$5Within the typical range ($3–$10 nationally)	$0.95 below the national median	per month	—	Source
Overdraft & NSFVerified
Nonsufficient funds - each	$32Above the typical range ($25–$31 nationally)	$2 above the national median	—	—	Source
Overdraft - each overdraft paid	$32
ATM & CardVerified
Replace lost debit card	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Wire TransfersVerified
Wire transfer: Incoming	$20Above the typical range ($5–$15 nationally)	$10 above the national median	—	—	Source
Wire transfer: Outgoing	$30
Check ServicesVerified
Bank check	$5Within the typical range ($3–$5.75 nationally)	At the national median	—	—	Source
Copy of check (truncated accounts)	$1.50
Account ServicesVerified
Garnishments	$85Above the typical range ($30–$75 nationally)	$35 above the national median	—	—	Source
Retirement & IRAVerified
There is an IRA transfer fee of	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Other FeesVerified
Photocopy	$1.50Below the typical range ($2–$5 nationally)	$1.50 below the national median	—	—	Source

Fee change alerts

Get an email when Gouverneur Savings and Loan Association changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Gouverneur Savings and Loan Association? Benchmark it against peers, free

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

$32

Overdraft fee: $32

7% above the national median overdraft fee

Total fees: 16 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$198.9M

Work at Gouverneur Savings and Loan Association? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$198.9M

Total deposits

$157.6M

Service charge income

$80K

Fee income ratio

3.7%

Return on assets

0.62%

Branches

Service charge income by quarter

Q2 2026$80K

Q1 2026$82K

Q4 2025$90K

Q3 2025$81K

Financial profile · Pro

Gouverneur Savings and Loan Association

Published fees

Get an email when Gouverneur Savings and Loan Association changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

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