Free Checking ^top

Checking Accounts

Free Checking

Premier Checking

Compare Checking Accounts

Open a Checking Account

The name speaks for itself. ESL Free Checking means that and much more:

  • No minimum balance and no monthly service fees.
  • FREE unlimited deposits and withdrawals.
  • First 150 checks are FREE.
  • FREE ESL Internet Banking lets you review your Free Checking account activity online and transfer funds and pay ESL loans online PLUS view your cleared checks.
  • FREE Internet Bill Pay.
  • Free ESL Visa® Check Card lets you make purchases at millions of places where Visa® Debit Cards are accepted and it also acts as your ATM card.
  • FREE Unlimited ATM transactions when you use your ESL Visa® Check card at any ESL ATM.
  • Five ESL Fee Free ATM withdrawals at non-ESL ATMs per month1.
  • Balances are eligible for the Owners' Dividend*.
  • Direct Deposit helps you manage your finances easily and quickly.
  • Overdraft protection available with Cash Reserve, CheckOK or ESL Courtesy Pay.

Open an account today or chat with an ESL Representative.

[Disclosures]

Premier Checking ^top

When you open an ESL Premier Checking account, you get the best checking account features and you earn dividends on the money you use every day.

  • Six-month introductory premium rate.
  • No monthly service fee with only a $1000 average balance per month1.
  • FREE unlimited deposits and withdrawals at all ESL branches.
  • First 150 checks are FREE.
  • FREE ESL Internet Banking lets you review your Premier Checking account activity online, transfer funds, and pay ESL loans online PLUS view your cleared checks.
  • FREE Internet Bill Pay.
  • FREE ESL Visa® Check Card lets you make purchases at millions of places where Visa® Debit Cards are accepted and it also acts as your ATM card.
  • FREE Unlimited ATM transactions when you use your ESL Visa® Check Card at any ESL ATM.
  • Five ESL Fee Free ATM withdrawals at non-ESL ATMs per month2.
  • Balances are eligible for the Owners' Dividend*.
  • Direct Deposit helps you manage your finances easily and quickly.
  • Overdraft protection available with Cash Reserve, CheckOK or ESL Courtesy Pay.

Open an account today or chat with an ESL Representative.

Compare Checking Accounts ^top

  Premier Checking Free Checking
Is this account eligible for Owners' Dividend*? YES. The average monthly balance for the year in this account is eligible for the Owners' Dividend*. YES. The average monthly balance for the year in this account is eligible for the Owners' Dividend*.
What is the minimum $ needed to open? $1.00 $1.00
Does this account earn Dividends? YES, new accounts earn a special annual percentage yield for the first six months, then earn a competitive rate after that. NO
Is there access to Free Internet Banking? YES YES
Is there access to Online Bill Payment? YES, Online Bill Payment is FREE. YES, Online Bill Payment is FREE.
Is there a Monthly Service Fee? NO NO
Is there a Minimum Balance Fee? Your account will be charged $6.00 only if your monthly average balance falls below $1000.00. NO
How many withdrawals can be made each month from this account? Unlimited Unlimited
Is there Free ESL ATM access? YES, you get FREE, unlimited ATM access when you use your ESL ATM card at any ESL ATM. You also get 5 ESL fee free withdrawals per month per account at non-ESL ATMs1. Balance inquiries and transfers are also ESL fee free at any ESL or non ESL ATM. YES, you get FREE, unlimited ATM access when you use your ESL ATM card at any ESL ATM. Balance inquiries and transfers are also ESL fee free at any ESL or non ESL ATM.
Is Direct Deposit available from my paycheck? YES YES
What other Benefits are available?
  • FREE ESL Visa® Check Card lets you make purchases at millions of places that accept Visa® Debit Cards.
  • Unlimited check writing.
  • First 150 Checks printed free.
  • Cash Reserve line provides overdraft protection.
  • CheckOK automatically advances funds from your designated ESL savings or Money Market account to your ESL checking account.
  • ESL Courtesy Pay - available to eligible checking account holders.
  • FREE ESL Visa® Check Card lets you make purchases at millions of places that accept Visa® Debit Cards.
  • Unlimited check writing.
  • First 150 Checks printed free.
  • Cash Reserve line provides overdraft protection.
  • CheckOK automatically advances funds from your designated ESL savings or Money Market account to your ESL checking account.
  • ESL Courtesy Pay - available to eligible checking account holders.

[Disclosures]

Check Ordering ^top

For your convenience and security, check ordering is available right inside Internet Banking. Just log into Internet Banking and click on the Additional Services tab to order your custom checks.

We have great new check designs and tools to personalize your checks. Best of all, these forms pre-fill with your last check order information if you have ordered checks through ESL in the past three years.

If you have not previously ordered checks through ESL, you simply need to fill out the initial order form and then proceed to customizing your special check designs.

Log into Internet Banking and order your custom checks today.

If you do not have an Internet Banking PIN, use ESL Online Chat and a representative will assist you.

You may also use our ESL Online Chat to order checks, or call us at 585.336.1000 or 800.848.2265.