ESL Federal Credit Union Free Checking
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| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0% |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $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.
- 0% APY. As with most checking accounts, ESL Federal Credit Union Free Checking does not pay interest.
- $0 monthly fee. This account does not charge a monthly Service Charge.
- 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.
| Pros | Cons |
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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.
| Description | |
|---|---|
| Minimum Balance to Earn APY | $0 |
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
What fees does ESL checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Monthly Fee | $0 |
| NSF Fee | $37 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $37 |
| Overdraft Protection Fee (per transfer) | $5 |
| Paper Statement Fee | $0 |
| 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 |
| ATM Fee: Out-of-Network | Starting at $1.50 |
Does ESL checking account charge overdraft fees?
Yes, ESL checking account charges a $37 fee for every overdraft.ESL checking account offers 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.
How do people rate the customer service and user experience of ESL checking account?
Overall, ESL checking account is mostly recommended based on community reviews that rate customer service and user experience.
Message From ESL Federal Credit Union
Contact
- Headquarters
-
225 Chestnut St
Rochester, NY USA - (800) 848-2265
- Visit Site
- Email Support
Other Services by ESL Federal Credit Union
Availability
Feature Breakdown
| Minimum Balance to Earn APY | $0 |
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
ESL Federal Credit Union Free Checking Community Reviews
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