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Coronavirus Operations and Service Updates

UPDATED: August 2, 2021

Keeping you informed is a necessity. Please refer to this page for updates related to our business operations, as we will post all necessary information below. As we put any changes in place, please know that we apologize for any inconvenience created and sincerely appreciate your patience and understanding.

UPDATE: August 2, 2021

Masks in Branches

Due to the recent increase in the number of COVID-19 cases in the Greater Rochester region, the CDC and New York State have determined that our community is at a “substantial” level of COVID-19 transmission.

Based on this guidance, and in the best interest of our employees’ and customers’ health and safety, starting Tuesday, August 3, 2021, masks are required for all customers when entering an ESL branch.

Customer FAQs:
COVID-19 Coronavirus

UPDATE: July 30, 2021

PPP Loan Forgiveness

On August 4, ESL customers who received a 2021 PPP loan, in an amount of $150,000 or less, can apply for forgiveness through an SBA online application portal.

ESL customers who received a 2021 PPP loan, in an amount over $150,000, should contact their Business Banking Relationship Manager or their Relationship Banker at their local branch for instructions and information regarding applying for forgiveness.

Please visit our PPP Forgiveness page for more information on how to apply for PPP loan forgiveness.

UPDATE: July 13, 2021

Advance Child Tax Credit

The first payment of the advance child tax credit established by the American Rescue Plan Act begins Thursday, July 15. Families who are eligible for child tax credit payments should have received a personalized letter from the IRS with an estimate of their monthly payment.

The IRS has calculated the payment amount based on 2020 tax returns. If that return is not available, either because it has not been filed or it has not been processed, the IRS will instead determine the payment amount using the 2019 tax return.

Payments will be made via ACH deposit or check on the following dates:

  • July 15
  • August 13
  • September 15
  • October 15
  • November 15
  • December 15

ESL does not have additional information beyond what has been shared on this page. If you have a specific question regarding your payment, please refer to the IRS website.

UPDATE: June 21, 2021

The CDC and New York State updated their COVID guidelines in May 2021 to allow for fully vaccinated individuals to go mask-free in most situations. ESL will follow those guidelines, and masks are no longer required for fully vaccinated individuals when visiting an ESL location.

Financial Hardships

For questions and requests related to financial hardships with your mortgage, home equity, home equity line of credit, or personal loans please contact our Loan Payment Solutions Team at 585.336.1125 or 800.842.4402.

For business loans, please call us at 585.336.1000 or 800.848.2265.

For questions and requests related to Personal and Business Credit Cards, please contact Cardmember Services at 1.866.820.6039.

Fee Waivers

If you are experiencing financial hardships, including fees, due to the current environment, please contact us directly (585.336.1000 or 800.848.2265), and we are happy to assist you.

Cash Flow

If you need access to cash, we have the following: