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  ESL Federal Credit Union Free Checking

ESL Federal Credit Union Free Checking

in Checking Accounts from ESL Federal Credit Union · Member ncua

Unaffiliated

ESL Federal Credit Union Free Checking

Unaffiliated

in Checking Accounts from ESL Federal Credit Union · Member NCUSIF

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.

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1 user recommends
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee $0
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.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • Small minimum initial deposit. You only need $1 to open an account.
  • 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
  • Deposits are insured by the NCUA (up to $250K).
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • 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 Opening 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
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 $1.50

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

This account includes the following features:

  • Fraud monitoring - ESL Federal Credit Union Free Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • 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.
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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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 7:00pm
  • Tuesday 7:00am - 7:00pm
  • Wednesday 7:00am - 7:00pm
  • Thursday 7:00am - 7:00pm
  • Friday 7:00am - 7:00pm
  • Saturday 8:30am - 2:00pm

Other Services by ESL Federal Credit Union

Availability

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

Feature Breakdown

APY Minimum Balance $0
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $0
Stop Payment Fee $0
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
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
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • NCUA Member

ESL Federal Credit Union 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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