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Coronavirus Response & Updates

UPDATED: April 1, 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.

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.

 

Customer FAQs:
COVID-19 Coronavirus

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.