Gouverneur Savings and Loan Association

Headquarters: Gouverneur, New York
Charter: Bank
Assets: $198.9M
Fed district: New York

18 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
Compared at $6, the middle of its prices
Gouverneur Savings and Loan Association: $5 to $7
Gouverneur Savings and Loan Association: $5 to $7
U.S. median: no median
Overdraft (OD)
Gouverneur Savings and Loan Association: $32
Gouverneur Savings and Loan Association: $32
U.S. median: no median
NSF / Returned Item
Gouverneur Savings and Loan Association: $32
Gouverneur Savings and Loan Association: $32
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 Gouverneur Savings and Loan Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge (audience not stated, treated as personal)$7
per month
Monthly service charge fee (audience not stated, treated as personal)$5
per month
For accounts with an average monthly balance less than $2,500.00$15
per month
Account closed within six months of opening$25
Checking Inactive/Dormant Account$5
per month
Account balancing assistance$25
Account research$25

Overdraft & NSF

Overdraft - each overdraft paid$32
per item
Nonsufficient funds$32
per item

ATM & Card

Debit card replacement fee$5
Replace lost debit card$5

Wire Transfers

Wire transfer: Outgoing$30
Wire transfer: Incoming$20

Check Services

Bank check$5
Stop payments$25
per item
Counter check$2.50
Copy of check (truncated accounts)$1.50

Account Services

Notary Service: Noncustomer$2
Garnishments$85
Levies/Restraining Notice$85

Retirement & IRA

There is an IRA transfer fee$25
per item

Other Fees

Extra statement$5
Fax: Customer$2
Photocopy$1.50

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge (audience not stated, treated as personal)	$7	per month	None
Monthly service charge fee (audience not stated, treated as personal)	$5	per month	None
For accounts with an average monthly balance less than $2,500.00	$15	per month	None
Account closed within six months of opening	$25	Not stated	None
Checking Inactive/Dormant Account	$5	per month	None
Account balancing assistance	$25	Not stated	None
Account research	$25	Not stated	None
Overdraft & NSF
Overdraft - each overdraft paid	$32	per item	None
Nonsufficient funds	$32	per item	None
ATM & Card
Debit card replacement fee	$5	Not stated	None
Replace lost debit card	$5	Not stated	None
Wire Transfers
Wire transfer: Outgoing	$30	Not stated	None
Wire transfer: Incoming	$20	Not stated	None
Check Services
Bank check	$5	Not stated	None
Stop payments	$25	per item	None
Counter check	$2.50	Not stated	None
Copy of check (truncated accounts)	$1.50	Not stated	None
Account Services
Notary Service: Noncustomer	$2	Not stated	None
Garnishments	$85	Not stated	None
Levies/Restraining Notice	$85	Not stated	None
Retirement & IRA
There is an IRA transfer fee	$25	per item	None
Other Fees
Extra statement	$5	Not stated	None
Fax: Customer	$2	Not stated	None
Photocopy	$1.50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

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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