Effective immediately, the Manlius Branch is closed until further notice. Please use our Westvale Plaza Office. All customer service for Savings, new accounts and loan origination are by appointment only. The Westvale main and mortgage lobbies are by appointment only. (315) 468-6281. We recommend using the Drive Thru, Online Banking, Mobile App and our ATM network. Update from the Geddes Federal CEO.

Call: 315-468-6281 Automated Banking Phone 1-888-881-8627

Checking Accounts

Geddes Federal Checking Account Syracuse NY

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

When you shop around to see what checking accounts are 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 checking account 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 checking account option best suited to your financial situation and lifestyle. Please be assured that all our checking accounts near Syracuse, NY are designed for total ease and convenience.

Contact Us to Open an Account

You Need a Checking Account. Why Not Get Something Extra for It?

Our fee free checking accounts come with added benefits, making Geddes Federal the obvious choice. 

In addition to helpful service from your neighbors and no fees, your Geddes Federal checking account comes with:

  • Free Cell Phone Replacement Coverage
  • Free Discounts on Prescriptions, Food & Drinks, Services and More
  • Free Identity Theft Coverage
  • SavingsXpress

These benefits are complimentary as part of your checking account, so there's no "gotcha" conditionals.

You get these benefits with a Geddes Federal checking account; it's not a credit card or reward program and there are no points to accumulate, no fees and no complicated enrollment process.

Whether you have more questions, or you're ready to get started, we can help.

Contact Us

Your Choice For Your Checking Account near Syracuse, NY

Let us introduce you to our checking account 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 Accounts (Basic Banking):

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

Open a New Wave Checking Account

Now Checking Accounts:

  • 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 with no fees.
  • Monthly statement with images of cancelled checks.
  • Direct Deposit.
  • Online Banking.
  • Mobile Banking.
  • E Statements.

Open a Now Checking Account

Super Now Checking Accounts:

  • 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 with no fees.
  • Monthly statement with images of cancelled checks.
  • Direct Deposit
  • Online Banking
  • Mobile Banking
  • E Statements

Open a Super Now Checking Account

Commercial Checking Accounts:

  • 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.
  • Mobile banking.
  • E Statements.

Gen Gold Checking Accounts:

Learn More About Gen Gold Checking

Gen Gold Rewards Checking

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

Gen Gold

Benefits Included:

  • Identity Theft coverage,
  • Travel Services,
  • Concierge Assistance,
  • Cash back rewards on hotel and flight bookings,
  • Discounts at local participants
  • Dining discounts
  • Entertainment discounts
  • Retail stores & Gifts
  • Health & Wellness
  • Family Benefits
  • Gift Cards
  • Special offers

**No Points to collect.  Just Savings and no fee!

Gen Gold Plus Rewards Checking

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

Gen Gold Plus Benefits:

  • Identity Theft coverage,
  • Travel Services,
  • Concierge Assistance,
  • Cash back rewards on hotel and flight bookings,
  • Discounts at local participants
  • Dining discounts
  • Entertainment discounts
  • Retail stores & Gifts
  • Health & Wellness
  • Family Benefits
  • Gift Cards
  • Special offers

**No Points to collect.  Just Savings!

If you're interested in opening any of the above checking accounts near Syracuse, NY...

Contact Us


Open a Savings Account Today! 

  • Update from the Geddes Federal CEO- Novmeber 13, 2020 –
    2020 has been a year of adapting to a new and different way of living, working and doing our banking. We are very appreciative of our customers who continue to adapt to the changes that we continue to make in an effort to keep our customers and our employees safe.…
    read more…
  • 5-1 Adjustable Rate Mortgage Special Fixed Rate of 1.75% for 5 Years –
    For a limited time, Geddes Federal Savings and Loan Association is offering a 5/1 Adjustable Rate Mortgage (ARM) with a fixed rate of 1.75% for 5 years.…
    read more…
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