Daily Dividend ^top

Whether you are saving for a college education, a down payment for a new home or just a rainy day, savings accounts are important to everyone's financial portfolio.

It only takes $1.00 to open an ESL Daily Dividend account.
No minimum balance or monthly service fees.
Dividends are earned from the date of deposit to the date of withdrawal¹.
FREE unlimited deposits and 6 free withdrawals² per month.
For unlimited FREE withdrawals, conduct your transactions at an ESL branch near you or use an ATM.
Make up to the minute balance inquires, transfers and withdrawals at any ESL, Wegmans Teller, NYCE^® and PLUS ATM machines with your ESL ATM Card.
Make FREE deposits at any ESL ATM.
Free, unlimited ATM transactions when you use your ESL ATM card at any ESL ATM. First five withdrawals each month at non-ESL ATMs are ESL fee free when you have Direct Deposit or Premier Checking³.
Balances are eligible for the Owners' Dividend^*.
Review your account balance, transfer funds and pay ESL loans online whenever you like with ESL Internet Banking.

Coverdell Education Savings Account ^top

With a dedicated, well thought out savings plan, money can be available for their education. An important integral part of an education savings plan is the Coverdell Education Savings Account (CESA.) It is a savings tool specifically created for the purpose of paying for the education of your children.

Save $2,000 per year total after-tax contributions for each child until age 18.
Withdraw contributions and earnings tax-free when used to pay for tuition, books, and supplies and, in some cases, room and board.
Contributors do not have to be a member of the beneficiary's family.
You can roll over funds from one CESA to a new or existing CESA.
Change designated beneficiaries if they are part of the same family.
Balances are eligible for the Owners' Dividend^*.

Holiday Club Account ^top

Make your holidays extra special with a Holiday Club account. You can be ready to begin shopping anytime because you can access your funds anytime.

No minimum balance or monthly service fees.
No fixed deposit schedule is required.
Access your cash through Internet Banking, TEL-E$L, by mail, at ESL branches, or Tele-Banking Center.
Transfer funds with FREE ESL Internet Banking.
Withdraw or add money to your account anytime your want.
FREE unlimited deposits and six withdrawals per month¹.
Direct Deposit can build your Holiday Club account easily and quickly.
Balances are eligible for the Owners' Dividend^*.
Review your Holiday Club account balance online whenever you like with ESL Internet Banking.

Open your ESL Holiday Club today. Call 585.336.1000 or 800.848.2265 or visit an ESL branch near you.

Money Maker Account ^top

It's a savings account that acts like a checking account because you can access your money by simply writing a check.

Open your Money Maker account with $2,500 and earn competitive yields, higher than a regular savings account.
Five tiered rates mean the more you save, the more you earn.
No monthly service fees.
FREE unlimited deposits and 6 free withdrawals¹ per month.
For unlimited FREE withdrawals, conduct your transactions at an ESL branch near you or use an ATM.
Make up to the minute balance inquires, transfers and withdrawals with the ESL ATM Card at any ESL, Wegmans, NYCE^® and PLUS ATM machines. Deposits can be made at any ESL ATM².
FREE unlimited ATM transactions when you use your ESL ATM Card at any ESL ATMs. And, your first five withdrawals each month at non-ESL ATMs are ESL fee free when you have Direct Deposit or Premier Checking².
Build your Money Maker account quickly and easily with payroll deduction or Direct Deposit.
Balances are eligible for the Owners' Dividend^*.
Review your Money Maker account balance online with ESL Internet Banking. You can even transfer funds and pay ESL loans online.

Open your ESL Money Maker today. Call 585.336.1000 or 800.848.2265 or visit an ESL branch near you.

Premier Money Maker Account ^top

Bigger balance? Better yield! You'll get even more for your money with the Premier Money Maker Account.

All the great benefits of a Money Maker and more!
Tiered account that pays higher dividends for higher balances.
Open with $10,000
No monthly service fees.
No minimum balance fee with a monthly average balance of $25,000 or more.

Open your ESL Premier Money Maker today. Call 585.336.1000 or 800.848.2265 or visit an ESL branch near you.

Compare Savings Accounts ^top

	Daily Dividend	Money Maker	Premier Money Maker	Holiday Club
Does this account earn Dividends?	YES	YES, with our tiered rate structure, higher balance accounts will earn a higher APY.	YES, with our tiered rate structure, higher balance accounts will earn a higher APY.	YES
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^*.	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	$2,500.00	$10,000.00	$1.00
Is there access to Free Internet Banking?	YES	YES	YES	YES
Is there access to Online Bill Payment?	NO Bill Payment can be used with a checking account, but will not be available if you only have a savings account.
Is there a Monthly Service Fee?	NO	NO	NO	NO
Is there a Minimum Balance Fee?	NO	NO	Your account will be charged $10.00 only if your monthly average balance falls below $25,000.00.	NO
How many withdrawals can be made each month from this account?	Unlimited branch and ATM withdrawals. Limit of 6 withdrawals per month using internet banking, Tel-E$L or Tele-Bankers (per regulations).
Is there Free ESL ATM access?	YES, you get FREE, unlimited ATM access when you use your ESL ATM card at any ESL ATM. Plus, with Premier Checking or Direct Deposit, 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.
Is Direct Deposit available from my paycheck?	YES	YES	YES	YES
What other Benefits are available?	FREE ESL ATM Card.	FREE ESL ATM Card.	FREE ESL ATM Card.