ESL offers several helpful ways to manage and avoid overdrawing your checking account. Each overdraft protection service we offer will give you peace of mind and help to:

• Avoid bouncing checks
• Avoid merchant late fees and returned item fees
• Eliminate the embarrassment of returned checks
• Eliminate the need to make alternate payment arrangements
• Protect your good credit rating

Cash Reserve Account

Apply online now for an overdraft line of credit.

• Lines from $500 to $5,000
• Lines advance in $100 increments
• No per-transfer fee (See Rate Schedule)
• Advance your line at any time in any increment through ESL Internet Banking, TEL-E$L or by visiting your local branch
• Payments automatically deducted from your ESL Checking Account

CheckOK

Overdraft protection that automatically advances funds from a linked checking or savings account.

• Transfers are advanced in exact increments to cover your overdraft
• Only one fee per day, regardless of how many advances (See Fee Schedule)

Learn more.

ESL Courtesy Pay¹

Whether you use it as protection for your checking account or protection for your overdraft protection, ESL Courtesy Pay works in conjunction with your current overdraft options and provides comprehensive protection for eligible checking account holders.

• If you overdraw your account, ESL pays for each item, up to your Courtesy Pay limit
• ESL charges you a $37 fee for reach overdraft transaction
• The total overdraft amounts plus fees cannot exceed your Courtesy Pay limit
• Courtesy Pay covers checks, automatic withdrawals (ACH) and ESL Bill Pay transactions
• Checking accounts who meet qualifying criteria are automatically enrolled in Courtesy Pay, if you do not wish to take advantage of this service, you can opt out at any time.

Learn more.

¹Fee for each overdraft is $37.00. The overdraft fee can be imposed on checks, ACH and Bill Pay transactions that exceed the balance in your checking account. You must bring your account to a positive end-of-day available balance at least once every 20 days. ESL will not pay an overdraft if you do not meet the eligibility requirement or the item and the fees exceed your overdraft limit.