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  ESL Federal Credit Union Free Checking

ESL Federal Credit Union Free Checking

in Checking Accounts from ESL Federal Credit Union

Unaffiliated

ESL Federal Credit Union Free Checking

Unaffiliated

in Checking Accounts from ESL Federal Credit Union

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SUPERMONEY NET RECOMMENDATION SCORE

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Highlights
Highlights
Community Rating

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Monthly Fee $0 - $6
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

ESL Federal Credit Union Free Checking Review

ESL Federal Credit Union Free Checking is offered by ESL Federal Credit Union, a credit union founded in 1920 and based in Rochester, NY. ESL Federal Credit Union Free Checking is available in 1 state across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, ESL Federal Credit Union Free Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $6.
  • Small minimum initial deposit. You only need $1 to open an account.
  • No ATM fees. ESL Federal Credit Union Free Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through ESL Federal Credit Union.
  • Hard credit pull. ESL Federal Credit Union may require a hard pull on your credit report to open a checking account.
ESL Federal Credit Union Free Checking Pros & Cons
Pros Cons
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.
ESL Federal Credit Union Free Checking FAQ

Are checking accounts from ESL Federal Credit Union federally insured?

Yes, your ESL Federal Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does ESL Federal Credit Union Free Checking offer?

ESL Federal Credit Union Free Checking is not an interest-bearing account.

What are the account minimums for ESL Federal Credit Union Free Checking?

ESL Federal Credit Union Free Checking requires a minimum initial deposit of $1 to open an account.

ESL Federal Credit Union Free Checking Account Minimums
Description Amount
Minimum Initial Deposit $1

What fees does ESL Federal Credit Union Free Checking charge?

The good news is that this account does not have a monthly service charge.

ESL Federal Credit Union Free Checking Fees
Description
Monthly Fee $0 - $6
Paper Statement Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $1.50
NSF Fee $37
Overdraft Protection Fee (per transfer) $5
Overdraft Item Fee $37
Early Account Closure $0
Returned Deposit Fee (Domestic) $10
Debit Card Replacement Fee $0
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $0
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $35
Wire Transfer Fee - International (Incoming) $12
Returned Deposit Fee (International) $10
Wire Transfer Fee - Domestic (Incoming) $12
ATM Reimbursement Monthly Limit N/A

What features and perks does ESL Federal Credit Union Free Checking offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - ESL Federal Credit Union Free Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

Minimum Initial Deposit $1
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Paper Statement Fee $0
Stop Payment Fee $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $6
NSF Fee $37
Overdraft Item Fee $37
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $12
Wire Transfer Fee - International (Outgoing) $35
ATM Fee: Out-of-Network $1.50
Bank Account Features
  • No ATM Fees
  • IRAs
  • NCUA Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Mobile Banking
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

ESL Federal Credit Union Free Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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