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  ESL Federal Credit Union Free Checking

ESL Federal Credit Union Free Checking

in Checking Accounts from ESL Federal Credit Union · ncua

Unaffiliated

ESL Federal Credit Union 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.

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

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Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee Starting at $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 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.
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 Federal Credit Union Free Checking Minimums
Description
APY Minimum Balance $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.

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

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.

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Message From ESL Federal Credit Union Free Checking

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

APY Minimum Balance $0
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $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
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

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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