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Checking Accounts

Geddes Federal Checking Account Syracuse NY

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For most people, some type of checking or draft account is probably the most basic, frequently used financial service available.

When you shop around to see what’s being offered, we think you’ll find that dealing with our dedicated staff just might be one of the best moves you can make.

Our services give you the opportunity to earn interest on the amount deposited…and we offer some of the most competitive rates and reasonable fees available.

Plus, we work with you to help select the option best suited to your financial situation and lifestyle. Please be assured that all our checking accounts are designed for total ease and convenience.

Your Choice For Your Checking Account

Let us introduce you to our services. We’re confident you’ll find just what you’re looking for!

And remember…with us, you can relax knowing your deposits are insured to the maximum amount allowed by an agency of the federal government.

New Wave Checking Account (Basic Banking):

  • Minimum amount to open-$25.00.
  • No monthly service fee
  • No minimum balance required.
  • Debit Card or ATM card available.
  • Non-interest bearing account.
  • Monthly statement with images of cancelled checks.
  • Direct Deposit
  • Online Banking

Now Checking Account:

  • Minimum balance to open- $250.00
  • Interest compounded daily and posted monthly
  • Minimum daily balance of $250.00 required to avoid a $5.00 maintenance fee.
  • Debit Card or ATM card available
  • Monthly statement with images of cancelled checks.
  • Direct Deposit
  • Online Banking

Super Now Checking Account:

  • Minimum balance to open- $2,500.00
  • Interest compounded daily and posted monthly.
  • Minimum daily balance of $250.00 required to avoid a $5.00 maintenance fee.
  • Debit Card or ATM card available.
  • Monthly statement with images of cancelled checks.
  • Direct Deposit
  • Online Banking

Commercial Checking Account:

  • Minimum balance to open - $500.00
  • $5 monthly fee (waived if a minimum of $500 is maintained in account)
  • Non-interest bearing.
  • Monthly statement with images of cancelled checks.
  • $35 credit towards initial check order.
  • Easy check order through Main Street.
  • No per deposit fees.
  • No per withdrawal fees.

If you're interested in opening a checking account, Contact Us.


Open a Savings Account Today! 

  • What Our Customers Say –
    "I have both my personal and business accounts with Geddes and recommend Geddes Federal Savings to anyone looking for a great place to bank. I love that Carol smiles remembers my name when I walk in the door. Working with Karen I feel like I have a knowledgeable financial team on my side." -Yvonne …
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