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  ESL FCU Free Checking
ESL FCU Free Checking
in Checking Accounts from ESL Federal Credit Union · Insured by NCUA
Unaffiliated

ESL FCU Free Checking

Unaffiliated
in Checking Accounts from ESL Federal Credit Union · Insured by NCUA
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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.

Rating not yet determined  

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Highlights
Community Rating

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Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

ESL FCU Free Checking Review

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

Key Takeaways

  • Bonus offer. Open a new account and you can get
  • 0% APY. As with most checking accounts, ESL FCU Free Checking does not pay interest.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • Small minimum initial deposit. You only need $1 to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through ESL Federal Credit Union.

ESL checking account Pros & Cons

Pros Cons
  • Insured by NCUA.
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.

ESL checking account 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 share owner for each account ownership category. 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 checking account offer?

ESL checking account is not an interest-bearing account.

What are the account minimums for ESL checking account?

ESL checking account requires a minimum initial deposit of $1 to open an account.

ESL FCU Free Checking Minimums
Description
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0

What fees does ESL checking account charge?

The good news is that this account does not have a monthly Service Charge.

ESL FCU Free Checking Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $37
Overdraft Item Fee $37
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $12
Wire Transfer Fee - International (Outgoing) $35
Paper Statement Fee $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0

Does ESL checking account charge overdraft fees?

Yes, ESL checking account charges a $37 fee for every overdraft. You can get overdraft protection at a cost of $5 per transaction.

What features and perks does ESL checking account offer?

This account includes the following features:

  • Fraud monitoring - ESL checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - ESL checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for ESL checking account?

The customer support email for ESL checking account is socialmedia@esl.org.

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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.

Message From ESL checking account

With ESL, you can choose how you want to bank and spend your money.  We make it simple and enjoyable, with checking accounts and checking alternatives that meet the needs of your life. It’s hard to find at other banks. But Free Checking is still making our members happy. It’s easy to open. It makes banking more convenient. There are no minimum balance requirements or monthly service fees. And you can get started with only a $1 deposit.

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $37
Overdraft Item Fee $37
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $12
Wire Transfer Fee - International (Outgoing) $35
Paper Statement Fee $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0%

ESL FCU Free Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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