ESL Federal Credit Union Free Checking
in Checking Accounts from ESL Federal Credit Union · Member ncua
UnaffiliatedESL Federal Credit Union Free Checking
in Checking Accounts from ESL Federal Credit Union · Member NCUSIF
Would you recommend ESL Federal Credit Union Free Checking to your friends?
| 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.
- 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.
| 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 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.
| 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.
| 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.
Contact
- Headquarters
-
225 Chestnut St
Rochester, NY - (800) 848-2265
- Visit Site
Other Services by ESL Federal Credit Union
Availability
Feature Breakdown
| APY Minimum Balance | $0 |
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Avoid Monthly Fee | $0 |
ESL Federal Credit Union Free Checking Community Reviews
Would you recommend ESL Federal Credit Union Free Checking to your friends?
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