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Customer Service

 

Call us at 585.336.1000 800.848.2265

Mon-Fri: 7 a.m.–7 p.m. ET Sat: 8:30 a.m.–2 p.m. ET

 

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Mon-Fri: 7 a.m.–10 p.m. ET Sat: 8:30 a.m.–2 p.m. ET

 

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Top 15 FAQs

The ESL ABA/Routing and Transit number is 222371863.  

You can withdraw up to $600 per day from an ATM with your ESL ATM or Visa Check Card.

To view your statements, click Statements from the Member Center menu option. Statements available for viewing are listed by statement date. Click on the PDF icon to view the entire statement. In order to receive your statements online for the current month, you must change your online statement option four business days prior to the end of the month.

As an ESL member, you have a unique member number that identifies you and your relationship with ESL. Your member number is listed at the top of each of your ESL statements.

You may also contact an ESL Representative to obtain your member number.

If you are unable to log in, please:

  • Access the ESL Home page.
  • Click Sign In.
  • Click Trouble Logging in?
  • To gain access to online banking, you must have a new password sent to a registered phone number.

If you need further assistance, please contact an ESL Representative.

The daily limit for ESL Visa Check Card purchases is $2,500 when you use your card as credit. The daily limit for purchases in which you use your PIN is $600, which includes the daily cash limit you can withdraw from an ATM.

The daily limit for ESL Visa Business Check Card purchases is $5,000 when you use your card as credit. The daily limit for purchases in which you use your PIN is $600, which includes the daily cash limit you can withdraw from an ATM.

A replacement card is automatically issued to the address on record in the middle of the month in which the card is due to expire. Your current card is good through the last day of that month.

If you have not received your card, please contact an ESL Representative.

To sign in to personal online banking, enter your member number and use your online banking PIN as your initial password. If you do not have an online banking PIN, please contact an ESL Representative.

To gain access to Business Online Banking, please complete the Business Online Banking Request Agreement. Drop off the signed agreement at any ESL branch or mail to:

ESL Federal Credit Union
Payment Operations Department
P.O. Box 92827
Rochester, NY 14692

Once we receive your signed agreement, we'll help you quickly complete the one-time registration process.

Please view the Three Great ESL Checking Options chart to determine the best product for you.

To edit a Bill Pay payee’s information:

  1. Locate the payee in your My Bills & People I Pay list. 
  2. Click payee's Options link.  
  3. Click Account Information tab on left side of Options window. 
  4. You may be able to edit some or all of the following information: 
    • Account Number
    • Category
    • Nickname
    • Address
    • Phone Number
  5. Electronic payees do not use an address to submit payment. Since the payment goes via Automated Clearing House, the address is dictated by the payment services, and therefore cannot be changed for an electronic payment. 

If you do not get the option to change the address, but still need to update it, you will need to delete or hide the payee and set it up again.

If you are mailing a deposit or payment to an ESL loan please send that to:

ESL Federal Credit Union
P.O. Box 92827
Rochester, NY 14692-9938

If you are mailing an ESL Visa Credit Card Payment please send that to:

ESL Federal Credit Union
P.O. Box 41769
Philadelphia, PA 19101-1769

ESL offers additional Loan Payment Options.

To set up or change your PIN, please call 844.433.1140.

For the first time you sign in to online banking, you must use a four-digit PIN. Once you are in, you will be required to create a password. If you do not have an online banking PIN, please contact an ESL Representative.

To gain access to Business Online Banking, please complete the Business Online Banking Request Agreement. Drop off the signed agreement at any ESL branch or mail to:

ESL Federal Credit Union
Payment Operations Department
P.O. Box 92827
Rochester, NY 14692

Once we receive your signed agreement, we'll help you quickly complete the one-time registration process.

If you are unable to login please:

  • Access the ESL Home page.
  • Click Sign In.
  • Click on Trouble Signing In? 
  • Please follow the prompts to gain access to Online Banking. 

If you need further assistance, or would like to speak with someone about Business Online Banking, please contact an ESL Representative

Once signed in to personal online banking, you may register for ESL Bill Pay by clicking Bill Pay — or mouse over Bill Pay and click Pay a Bill.  

To gain access to Business Online Banking and Business Bill Pay, complete the Business Online Banking Request Agreement. Drop off the signed agreement at any ESL branch or mail to:

ESL Federal Credit Union
Payment Operations Department
P.O. Box 92827
Rochester, NY 14692

Once we receive your signed agreement, we'll help you quickly complete the one-time registration process.

ESLHoliday Hours

To help you with planning, view our holiday and closings schedule.

OTHER WAYS TO REACH ESL

Phone

Lost or Stolen Cards

  • Debit Card: 800.754.4128
  • Credit Card: 800.449.7728

Fax

  • Contact Center: 585.336.1138
  • Lending: 585.336.1291
  • Home Equity: 585.336.1165

Mailing Address
ESL Federal Credit Union
P.O. Box 92714
Rochester, NY 14692-8814

Corporate Address
ESL Federal Credit Union
225 Chestnut Street
Rochester, NY 14604

 

ESL Mortgage or Home Equity Loan
In order to submit a qualified written notice of error or request for information regarding the servicing of the ESL Mortgage or Home Equity Loan, you must submit the notice to the following address:
ESL Federal Credit Union
P.O. Box 23012
Rochester, NY 14692-3012