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Coronavirus Response & Updates

UPDATED: May 29, 2020

Keeping our employees and members informed is a necessity. If the COVID-19 situation changes, please refer to this page for updates related to our business operations. We will post all necessary information below. If our business operations change, please know that we apologize for any inconvenience created and sincerely appreciate your understanding.

UPDATES, MAY 29, 2020

Updates to Fee Waivers

The following fee waivers will continue until June 12. After that date, if you are experiencing financial hardships and are charged any of the referenced fees please contact us directly and we will rebate your fee(s):

  • Overdraft/Insufficient Funds Fee
  • Overdraft/Uncollected Funds Fee
  • Returned Check Fee
  • CheckOK (Overdraft from Savings) Fee
  • Courtesy Pay Overdraft Fees (include point-of-sale)
  • Average Balance Fee (applies to Personal Premier Checking, Personal Premier Money Maker, Personal Tiered Savings, and Business Money Maker)
  • Credit Card Returned Check Fee
  • Late fees on ESL loans

Also, effective, June 12, we will resume charging fees for the use of a non-ESL ATM and will not reimburse any fees charged by the ATM owner.

We understand many may be experiencing financial hardships throughout the community. If you are charged a fee and are experiencing financial hardship, please contact us at 585.336.1000 or 800.848.2265 and we will rebate your fee(s).

Financial Hardship Offerings – Date Extended to July 31

The following financial hardship offerings are effective March 27 through July 31, at which time we will evaluate the need to extend these offerings longer.

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.

Personal, Auto, Motorcycle, and RV Loan Customers:

  • 90 days of no principal and interest payments with loan term extended
  • No negative impact to credit report

Personal Mortgage, Home Equity Loan, and Home Equity Line of Credit Customers:

  • 180 days forbearance of principal and interest
  • No negative impact to credit report

Personal & Business Credit Card Customers:

  • 90 days of no minimum payment due
  • No negative impact to credit report

Business & Commercial Loan Customers:

  • 90 days immediate payment relief
  • Resources available to assist with SBA programs
  • No negative impact to credit report
  • If you have a Relationship Manager for your account, please contact them for specific account questions
  • If you do not have a Relationship Manager, please call us at 585.336.1000 or 800.848.2265.

First payment deferment extended for new Personal Loan applications

Effective April 10 and through July 31, ESL is extending first payment deferments options on New Personal Loan applications from 45 days to 90 days. As we approach July 31, we will reevaluate and assess the need for this first payment deferment extension, and will provide a new date, if necessary.

If you are in need of cash flow, we have:

  • Personal loans that can be applied for online or by contacting us at 585.336.1000 or 800.848.2265.
  • Short-Term Loans that can be applied for by contacting us at 585.336.1000 or 800.848.2265.
  • A New Unsecured Personal Loan offering.

Regulation D Monthly Withdrawal Limits

Effective Saturday, March 21, 2020, and until further notice, we will temporarily waive the Regulation D monthly limit of six transfers from a savings accounts.

 

Customer FAQs:
COVID-19 Coronavirus

UPDATE, MAY 22, 2020

Extended Hours on Monday, June 1 and Wednesday, June 3

We will be extending our hours at all of our open branches (except our State Street branch) on Monday, June 1, from 8 a.m. – 5 p.m. and on Wednesday, June 3, from 8 a.m. – 4 p.m. We will return to our regularly scheduled hours with services only available through our branch drive-up tellers and appointment only services in our branch lobbies, on Tuesday, June 2 and Thursday, June 4.

The hour extensions are to accommodate the heavy volume of traffic we often experience during this time of the month.

This extension applies to both services at our drive-up teller lanes and appointment-only services in our branch lobbies. Please refer to the frequently asked questions for a list of services we are providing by appointment only, as well as phone numbers for each branch to schedule these appointments.

UPDATE, MAY 8, 2020

We are extending the date on fee waivers and our financial hardship offerings to May 31. Please see below for details.

Fee Waivers Extended to May 31

Effective Saturday, March 21, 2020, and through Sunday, May 31, we will not be charging the following fees to Personal and Business customers. As we approach this date, we will reevaluate and assess the need for these fee waivers and will provide a new date, if necessary:

  • Overdraft/Insufficient Funds Fee
  • Overdraft/Uncollected Funds Fee
  • Returned Check Fee
  • CheckOK (Overdraft from Savings) Fee
  • Courtesy Pay Overdraft Fees (include point-of-sale)
  • Average Balance Fee (applies to Personal Premier Checking, Personal Premier Money Maker, Personal Tiered Savings, and Business Money Maker)
  • Credit Card Returned Check Fee
  • Late fees on ESL loans

From Tuesday, March 17 through Sunday, May 31, we will not charge members a fee for using non-ESL ATMs, and will reimburse the fee charged by the ATM owner. Our 40+ ATMs can be used to deposit checks, withdraw cash and transfer money. As we approach May 31, we will reevaluate and assess the need for these fee waivers and will provide a new date, if necessary.

Financial Hardship Offerings Extended to May 31

The following financial hardship offerings are effective March 27 through May 31, at which time we will evaluate the need to extend these offerings longer.

For questions and requests related to financial hardships with your mortgage, personal loans or business loans, please call us at 585.336.1000 or 800.848.2265. We will help.

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

Personal, Auto, Motorcycle, and RV Loan Customers:

  • 90 days of no principal and interest payments with loan term extended
  • No negative impact to credit report

Personal Mortgage, Home Equity Loan, and Home Equity Line of Credit Customers:

  • 180 days forbearance of principal and interest
  • No negative impact to credit report

Personal & Business Credit Card Customers:

  • 90 days of no minimum payment due
  • No negative impact to credit report

Business & Commercial Loan Customers:

  • 90 days immediate payment relief
  • Resources available to assist with SBA programs
  • No negative impact to credit report
  • If you have a Relationship Manager for your account, please contact them for specific account questions
  • If you do not have a Relationship Manager, please call us at 585.336.1000 or 800.848.2265.

First payment deferment extended for new Personal Loan applications

Effective April 10 and through May 31, ESL is extending first payment deferments options on New Personal Loan applications from 45 days to 90 days. As we approach May 31, we will reevaluate and assess the need for this first payment deferment extension and will provide a new date, if necessary.

If you are in need of cash flow, we have:

  • Personal loans that can be applied for online or by contacting us at 585.336.1000 or 800.848.2265.
  • Short-Term Loans that can be applied for by contacting us at 585.336.1000 or 800.848.2265.
  • A New Unsecured Personal Loan offering.

Regulation D Monthly Withdrawal Limits

Effective Saturday, March 21, 2020, and until further notice, we will temporarily waive the Regulation D monthly limit of six transfers from a savings accounts.

UPDATE, APRIL 24, 2020

Application Information for the SBA Paycheck Protection Program

Effective April 24, 2020, we are happy to resume accepting the required application information and documentation and begin preparing your application for submission to the SBA for their Paycheck Protection Program loan. Funding will be available through the SBA on Monday, April 27 at 10:30 a.m. As we resume taking applications, we will begin processing them, in the order they are received, so they are ready to submit to the SBA, when funding is available.

Our PPP Summary page provides instructions and application form you need to begin your application. Click here to learn more.

UPDATES, APRIL 23, 2020

We are extending the date on fee waivers and our financial hardship offerings to May 15. Please see below for details.

Fee Waivers Extended to May 15

Effective Saturday, March 21, 2020, and through Friday, May 15, we will not be charging the following fees to Personal and Business customers. As we approach this date we will reevaluate and assess the need for these fee waivers, and will provide a new date, if necessary:

  • Overdraft/Insufficient Funds Fee
  • Overdraft/Uncollected Funds Fee
  • Returned Check Fee
  • CheckOK (Overdraft from Savings) Fee
  • Courtesy Pay Overdraft Fees (include point-of-sale)
  • Average Balance Fee (applies to Personal Premier Checking, Personal Premier Money Maker, Personal Tiered Savings, and Business Money Maker)
  • Credit Card Returned Check Fee
  • Late fees on ESL loans

From Tuesday, March 17 through Friday, May 15, we will not charge members a fee for using non-ESL ATMs, and will reimburse the fee charged by the ATM owner. Our 40+ ATMs can be used to deposit checks, withdraw cash and transfer money. As we approach May 15 we will reevaluate and assess the need for these fee waivers, and will provide a new date, if necessary.

Financial Hardship Offerings Extended to May 15

The following financial hardship offerings are effective March 27 through May 15, at which time we will evaluate the need to extend these offerings longer.

For questions and requests related to financial hardships with your mortgage, personal loans or business loans, please call us at 585.336.1000 or 800.848.2265. We will help.

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

Personal, Auto, Motorcycle, and RV Loan Customers:

  • 90 days of no principal and interest payments with loan term extended
  • No negative impact to credit report

Personal Mortgage, Home Equity Loan, and Home Equity Line of Credit Customers:

  • 180 days forbearance of principal and interest
  • No negative impact to credit report

Personal & Business Credit Card Customers:

  • 90 days of no minimum payment due
  • No negative impact to credit report

Business & Commercial Loan Customers:

  • 90 days immediate payment relief
  • Resources available to assist with SBA programs
  • No negative impact to credit report
  • If you have a Relationship Manager for your account, please contact them for specific account questions.
  • If you do not have a Relationship Manager, please call us at 585.336.1000 or 800.848.2265.

First payment deferment extended for new Personal Loan applications.
Effective April 10 and through May 15, ESL is extending first payment deferments options on New Personal Loan applications from 45 days to 90 days. As we approach May 15, we will reevaluate and assess the need for this first payment deferment extension, and will provide a new date, if necessary.

If you are in need of cash flow, we have:

  • Personal loans that can be applied for online or by contacting us at 585.336.1000 or 800.848.2265.
  • Short-Term Loans that can be applied for by contacting us at 585.336.1000 or 800.848.2265.
  • A New Unsecured Personal Loan offering.

Regulation D Monthly Withdrawal Limits
Effective Saturday, March 21, 2020, and through Friday, May 15, we will temporarily waive the Regulation D monthly limit of six transfers from a savings account.

UPDATE, APRIL 22, 2020

Extended Hours on Friday, May 1

We will be extending our hours at all of our open branches (except our State Street branch) from 8 a.m. – 6 p.m. on Friday, May 1. We will return to our regularly scheduled hours with services only available through our branch drive-up tellers and appointment-only services in our branch lobbies, on Saturday, May 2.

The hour extensions are to accommodate the heavy volume of traffic we often experience during this time of the month.

This extension applies to both services at our drive-up teller lanes and appointment-only services in our branch lobbies. Please refer to the frequently asked questions for a list of services we are providing by appointment only, as well as phone numbers for each branch to schedule these appointments.

UPDATE, APRIL 20, 2020

New Unsecured Personal Loan

ESL is offering a new unsecured Personal Loan, through July 31, 2020, to help current customers who may be experiencing financial hardships due to the COVID-19 pandemic. Loan amounts are available from $250 up to $2,500 at an interest rate of 2.99% with a repayment term of up to 24 months. Customers may receive their money as soon as the same day with the option to defer their first payment for up to 90 days (interest will accrue during the payment deferment period). Please call 585.336.1000 or 800.848.2265 to apply.

UPDATES, APRIL 16, 2020

Changes to Federal and New York State Tax Filing Deadlines and Taking IRA Required Minimum Distributions

The IRS and NYS Department of Taxation and Finance announced changes to Federal and New York State filing deadlines and the requirement for taking an IRA Required Minimum Distributions (RMD).

Tax Filing Deadline Changes
Federal and New York State tax filing deadlines were moved to July 15, 2020 (please refer to the IRS and NYS websites for specific details):

  • IRA Prior Year Contributions can be made through July 15, 2020
  • HSA Prior Year Contributions can be made through July 15, 2020
  • 5498 tax mailings will occur as per the IRS schedule and if corrections need to be made then a secondary tax mailing will be processed.

IRA RMD Changes
The requirement for taking an RMD has been waived for 2020 and, if you do not wish to take your RMD, you do not have to do so this year. If you have an automatic RMD scheduled to occur and would like to cancel it, please call us at 585.336.1000 or 800.848.2265.

Distributions from IRA’s with no IRS Penalty
Individuals, under certain specified circumstances, can take distributions from their IRA with no IRS penalty. Please consult your tax advisor prior to deciding to take an early distribution.

If you have any questions regarding these changes please, call us at 585.336.1000 or 800.848.2265 or visit irs.gov/coronavirus-tax-relief-and-economic-impact-payments.
 

ESL is No Longer Accepting Applications for SBA Paycheck Protection Program (PPP)

Based on the high number of current SBA Paycheck Protection Program (PPP) applications we received and the remaining government funding, effective 4/16/2020, ESL will no longer accept new applications.

We will continue to process the PPP applications we received as quickly as possible but cannot guarantee funding will be available from the SBA.

We apologize for the inconvenience and appreciate your understanding and patience as we all work together through these uncertain times.
 

Stimulus Payment Inquiries

The next Stimulus Payments are scheduled to be deposited on Wednesday, April 22 and Wednesday, April 29.

Due to the deposit of some Stimulus Payments, we are experiencing higher than normal call and Live Chat Banking volumes. If you are calling to check on the deposit date or amount of your Stimulus Payment, please check your account using ESL Mobile or Online Banking.

UPDATES, APRIL 15, 2020

Stimulus Payment Inquiries

Due to the deposit of some Stimulus Payments, we are experiencing higher than normal call and Live Chat Banking volumes. If you are calling to check on the deposit date or amount of your Stimulus Payment, please check your account using ESL Mobile or Online Banking.

SBA Paycheck Protection Program Loan

Through April 20, ESL is not currently accepting Paycheck Protection Program applications from current personal and business customers who are also Independent Contractors and Self-Employed. We will provide an update on or after April 20, once we can start accepting applications from Independent Contractors and Self-Employed individuals. Click here to learn more.

UPDATE, APRIL 10, 2020

First Payment Deferment Extended for New Personal Loan Applications

Effective April 10 and through April 30, ESL is extending first payment deferment options on new Personal Loan applications from 45 days to 90 days. As we approach April 30, we will reevaluate and assess the need for this first payment deferment extension and will provide a new date, if necessary.

To apply for a Personal Loan, please click here or call us at 585.336.1000 or 800.848.2265.

UPDATE, APRIL 6, 2020

Branch Services Reminder

Effective March 16, and until further notice:

  • ESL’s drive-up teller services have expanded. We will remove the limit on the number of transactions members can conduct via drive-up tellers, as well as offer money orders, official checks, and prepaid cards.
     
  • Certain in-person accommodations will be made by appointment only. These services include:
    • Notary services for members
    • Safe deposit box access
    • Medallion signature guarantee
    • Certain loan closings – Home Equity, Auto Loans, Business Loan Closings
    • Coin orders for business customers only
    • Large withdrawal ($10,000 or greater)
    • Wire Transfers
    Please call the corresponding phone number for each branch below to make in-person, lobby appointments only for the services listed above.
     

UPDATE, APRIL 3, 2020

Application Information for the SBA Paycheck Protection Program (PPP)

Effective April 3, 2020, we are happy to accept the required application information and documentation and begin preparing your application for submission to the SBA for their Paycheck Protection Program loan. Our PPP Summary page provides instructions and application form you need to begin your application. Click here to learn more.

UPDATE, APRIL 1, 2020

Business Financial Assistance from the SBA

Information is available from the Small Business Administration (SBA) around the CARES Act Paycheck Protection Program and the SBA’s Economic Injury Disaster Loans (EIDL) program for small businesses impacted by the COVID-19 coronavirus. Click here to learn more about these programs.

UPDATES, MARCH 27, 2020

Financial Hardship Offerings

The following financial hardship offerings are effective March 27 through April 30, at which time we will evaluate the need to extend these offerings longer.

For questions and requests related to financial hardships with your mortgage, personal loans, or business loans, please call us at 585.336.1000 or 800.848.2265. We will help.

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

Personal, Auto, Motorcycle, and RV Loan Customers:

  • 90 days of no principal and interest payments with loan term extended
  • No negative impact to credit report

Personal Mortgage, Home Equity Loan, and Home Equity Line of Credit Customers:

  • 180 days forbearance of principal and interest (with the option after of an additional 180 day period)
  • No impact to credit report as a result of the forbearance or payment relief

Personal & Business Credit Card Customers:

  • 90 days of no minimum payment due
  • No negative impact to credit report

Business & Commercial Loan Customers:

  • 90 days immediate payment relief
  • Resources available to assist with SBA programs
  • No negative impact to credit report
  • If you have a Relationship Manager for your account, please contact them for specific account questions
  • If you do not have a Relationship Manager, please call us at 585.336.1000 or 800.848.2265

If you are in need of cash flow, we have personal loans that can be applied for online or by phone at 585.336.1000 or 800.848.2265, and short-term loans that can be applied for by contacting us at 585.336.1000 or 800.848.2265.

Customer Fee Waivers

From Saturday, March 21, 2020 through April 30, we will not be charging these fees to Personal and Business customers. As we approach April 30, we will reevaluate and assess the need for these fee waivers, and will provide a new date, if necessary.

ATM Fees

From Tuesday, March 17 through April 30, we will not charge members a fee for using non-ESL ATMs, and will reimburse the fee charged by the ATM owner. Our 40+ ATMs can be used to deposit checks, withdraw cash and transfer money. As we approach April 30, we will reevaluate and assess the need for these fee waivers, and will provide a new date, if necessary.

UPDATE, MARCH 25, 2020

Extended Branch Hours April 1-3

We will be extending our hours at all of our open branches (except our State Street branch) from 8 a.m. – 6 p.m. on Wednesday, April 1, Thursday, April 2, and Friday, April 3. We will return to our regularly scheduled hours, with services only available through our branch drive-up tellers and appointment only services in our branch lobbies, on Saturday, April 4.

The hour extensions are to accommodate the heavy volume of traffic we often experience during these three days each month.

This extension applies to both services at our drive-up teller lanes and appointment-only services in our branch lobbies. Please refer to the frequently asked questions page for a list of services we are providing by appointment only, as well as phone numbers for each branch to schedule these appointments.

UPDATES, MARCH 20, 2020

Customer Fee Waivers

Effective Saturday, March 21, 2020, and until April 30, we will not be charging the following fees to Personal and Business customers. As we approach this date we will reevaluate and assess the need for these fee waivers, and will provide a new date, if necessary:

  • Overdraft/Insufficient Funds Fee
  • Overdraft/Uncollected Funds Fee
  • Returned Check Fee
  • CheckOK (Overdraft from Savings) Fee
  • Courtesy Pay Overdraft Fees (include point-of-sale)
  • Average Balance Fee (applies to Personal Premier Checking, Personal Premier Money Maker, Personal Tiered Savings, and Business Money Maker)
  • Credit Card Returned Check Fee
  • Late fees on ESL loans

Regulation D Limits Lifted

Effective Saturday, March 21, 2020 through April 30, 2020, we will not have the Regulation D monthly limit of six transfers from a savings account. As we approach April 30 we will evaluate the need to extend these offerings longer.

UPDATES, MARCH 17, 2020

Branch Drive-up Teller Services Only

Effective Wednesday, March 18, 2020, until further notice, ESL Federal Credit Union’s branches will serve customers through drive-up teller services only. All vestibule and drive-up ATMs will remain open, as well as night drops.

State St. Office Closed

ESL’s State St. Office at 377 State St., which does not have drive-up teller service, will be closed until further notice. Other branches in the proximity are the Chestnut St. Office at 225 Chestnut St., Irondequoit Office at 518 East Ridge Rd. and Mt. Read Office at 3508 Mt. Read Blvd.

In-Person Services by Appointment Only

Certain in-person accommodations will be made by appointment only. These services include:

  • Notary services 
  • Safe deposit box access
  • Medallion signature guarantee
  • Certain loan closings – Home Equity, Auto Loans, Business Loan Closings
  • Coin orders
  • Large withdrawal ($10,000 or greater)
  • Wire Transfers

Please call the corresponding phone number for each branch below to make in-person, lobby appointments only for the services listed above.

ESL Branches and Phone Numbers
Branch Location Phone Number
Batavia 585.339.4634
Brighton-Henrietta 585.339.4580
Brockport 585.339.4318
Canandaigua 585.339.1879
Chestnut 585.339.1939
Chili 585.336.5767
Cobblestone 585.339.4468
Culver-Ridge 585.339.1748
Fairport 585.339.4679
Geneseo 585.339.4659
Hudson 585.339.4481
Irondequoit 585.336.5743
Long Pond 585.336.5708
Merchants 585.339.1857
Mt. Read 585.339.1831
Newark 585.339.1957
Penfield 585.339.4606
Pittsford 585.339.1806
Ridgeway 585.339.4509
Twelve Corners 585.339.4334
Webster 585.339.4558

UPDATES, MARCH 16, 2020

  • Effective March 17, 2020, we will be limiting the number of customers that can be in our branches at one time. Thank for your patience as we strive to make this as easy as possible for our customers.
     
  • We will not charge members a fee for using non-ESL ATMs for the next 30 days, effective March 17, 2020. Our 40+ ATMs can be used to deposit checks, withdraw cash, and transfer money.
     
  • ESL customers experiencing hardships, including fees, directly related to the coronavirus are encouraged to contact us 585.336.1000 or 800.848.2265.
     
  • A letter to members from Faheem Masood, President & CEO, ESL Federal Credit Union. Click here to read online.
     
  • ESL’s drive-up teller services have expanded. We will remove the limit on the number of transactions members can conduct via drive-up tellers, as well as offer money orders, official checks, and prepaid cards.

UPDATES, MARCH 11, 2020

  • The ESL First-Time Homebuying Discussion originally scheduled to be held the evening of March 12, 2020, at ESL Headquarters at 225 Chestnut Street is canceled.

The health and well-being of our employees and our members is of the utmost importance to us. Regarding the COVID-19 coronavirus, as part of our operations, ESL has a plan in place that the organization will execute in accordance with the situation as it changes.

Right now, we are continuously monitoring the Monroe County Health Department, NYS Department of Health and Center for Disease Control and Prevention (CDC) websites to ensure we have the latest information.

Along with monitoring the latest information, our plan ensures that we are able to mitigate risk and be prepared and capable to continue our business operations in our efforts to provide our members with the superior customer experience they know us for, all while minimizing employee and member action and exposure to the coronavirus. As part of this plan, we are taking the following measures:

  • Providing members with hand sanitizer and tissues in our branches that we recommend using before and after coming into contact with others.
  • Encouraging all employees to practice proper hygiene techniques recommended by the CDC, such as the frequent washing of hands, not touching their face, and respiratory etiquette when coughing or sneezing.
  • Allowing all employees who can work from home to do so and recommending employees who feel under the weather to stay or work at home.
  • Making hand sanitizer, tissues, and disinfectant wipes readily available.
  • Cleaning our vestibules, drive-up ATMs, and drive-up teller stations nightly.
  • Recommending meetings via phone or video conferencing.
  • Restricting all business travel outside of our service area for ESL employees through May 15.

We encourage you to access your accounts via Mobile and/or Online Banking to deposit checks, transfer money, check balances, make payments, pay bills, and find our nearest ATM locations.

At our ATMs you can deposit checks, withdraw cash, and transfer money.

Our Contact Center is available via:

  • Phone (585.336.1000 or 800.848.2265): Monday-Friday, 7 a.m. – 7 p.m., Saturday, 8:30 a.m. – 2 p.m.
  • Live Chat Banking: Monday-Friday, 7 a.m. – 10 p.m., Saturday, 8:30 a.m. – 2 p.m.

Our friendly, helpful ESL representatives based right here in Rochester can help you with a wide variety of your banking needs.