Skip To Content

Coronavirus Operations and Service Updates

UPDATED: March 30, 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: March 30, 2021

The SBA has extended the PPP Loan application deadline to May 31, 2021, or until Congressionally provided funding is exhausted. The deadline to submit SBA PPP loan applications to ESL is Friday, May 21, 2021, in order to process applications we receive and submit them to the SBA by its Monday, May 31, 2021 deadline. Please visit our PPP Loan Summary page for information on applying for a PPP loan.

UPDATE: March 24, 2021

Reminder, the deadline to submit a Paycheck Protection Program (PPP) Loan application is March 26, 2021. Please visit our PPP Loan Summary page for information on applying for a PPP loan.

UPDATE: March 22, 2021

Due to the third round of stimulus payments as part of the new American Rescue Plan Act, you may experience longer wait times than usual when calling our contact center or using Live Chat Banking.

To avoid these wait times, you may access your accounts 24 hours a day, 7 days a week via Mobile and/or Online Banking to check balances, deposit checks, transfer money, make payments, pay bills, and find our nearest ATM locations.

This third round of payments will be made in waves with the first payment wave available via ACH on Wednesday, March 17, and the second wave available via ACH on Wednesday, March 24. We anticipate that there will be additional rounds of payments over the next few weeks, but exact dates of these payments are unknown at this time.

The IRS emphasizes that there is no action required by eligible individuals to receive this third payment and reminds taxpayers that the payments are automatic, as the deposit date and amount are determined by the IRS. Please refer to the IRS’s website for all questions regarding payment amount and timing, as ESL does not have that information, and calling us could significantly impact wait times.

You can find the necessary information about the payments on the IRS’s website.

Customer FAQs:
COVID-19 Coronavirus

UPDATE: February 25, 2021

On March 1, ESL will begin to accept Paycheck Protection Program (PPP) loan forgiveness applications for customers who received a PPP Loan in the amount of $150,000 or less in 2020.

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

UPDATE: January 19, 2021

Starting Tuesday, January 19, we are now accepting PPP loans applications from all ESL customers—both Business Banking customers and Personal Banking customers who don’t currently have an ESL Business Banking relationship can apply.

Business customers who work with an ESL Branch or Contact Center Representative, please call us at 585.336.1000 or 800.848.2265.

Business customers who work with members of the ESL Business and/or Commercial Banking teams, please call your ESL Relationship Manager directly.

Please refer to our PPP Summary page for the latest information and forms regarding new PPP loans and forgiveness.

UPDATE: January 11, 2021

ESL will be participating in the next round of the Paycheck Protection Program (PPP) loans as soon as possible. While the Treasury and SBA have posted guidance, the opening of PPP on January 11 for first draw loans and January 13 for second draw loans is reserved only for Community Development Financial Institutions (CDFIs) at this time, which ESL is not. We expect to be able to accept PPP loan applications after January 13, as soon as we are provided additional dates by the Treasury and SBA.

We will update ESL.org with the latest information and forms regarding new PPP loans and forgiveness as soon as we can. In the meantime, inquiries can be sent to: BusinessBankingCOVIDRequests@esl.org.

UPDATE: December 30, 2020

The IRS has communicated that the second round of Economic Impact (stimulus) Payments as part of the new Coronavirus Response and Relief Supplemental Appropriations Act of 2021 have begun.

  • The official payment date is January 4, 2021 for those who receive direct deposit, and paper checks started to be mailed on Wednesday, December 30, 2020. 

  • Please refer to the IRS’s website for all questions regarding payment amount and timing, as ESL does not have that information, and calling our lines could significantly impact wait times.

  • The IRS emphasizes that there is no action required by eligible individuals to receive this second payment. 

  • The IRS reminds taxpayers that the payments are automatic, and the deposit date and amount are determined by the IRS. 

UPDATE: December 30, 2020

Paycheck Protection Program:

ESL is closely monitoring the news regarding the business programs within the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 signed on December 27, and we plan on participating in the next round of the Paycheck Protection Program. Right now, the SBA and Treasury have 10 days to issue guidance on the rules and requirements to participating financial institutions. Once that guidance is issued we will post updates here. In the meantime, please visit sba.gov for the latest news.

UPDATE: December 23, 2020

Extended Branch Hours

We will be extending our hours at all of our branches on the following days:

  • Thursday, December 31, 8 a.m. – 3 p.m.
  • Saturday, January 2, 8 a.m. – 1:30 p.m.

We will return to our regularly scheduled hours on Monday, January 4.

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

UPDATE: December 10, 2020

The health and well-being of our employees and customers continues to be of the utmost importance to us at ESL.

As COVID-19 coronavirus cases continue to increase throughout the Finger Lakes Region, we want to remind you of the digital and expanded services we offer that can be done from the comfort of your own home or car.

You can access your accounts 24 hours a day, 7 days a week 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 more than 40 ATMs you can deposit checks1, withdraw cash, and transfer money.

The following services can be done either on esl.org or by phone:

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 (click here to connect with us):
    • 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.

Expanded Drive-Up Teller Services

We have removed 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 via drive-up services.

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.

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:

UPDATE: November 25, 2020

Extended Branch Hours December 1, 2, and 3

We will be extending our hours at all of our branches on the following days:

  • Tuesday, December 1, 8 a.m. – 4 p.m.
  • Wednesday, December 2 , 8 a.m. – 4 p.m.
  • Thursday, December 3, 8 a.m. – 5 p.m.

We will return to our regularly scheduled hours on Friday, December 4.

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

UPDATE: November 20, 2020

We are slightly reducing the total number of people that can be in our branches at one time due to the increasing number of Covid-19 coronavirus cases throughout Greater Rochester. This is in an effort to ensure the health and safety of our employees and customers in accordance with local, state, and CDC guidance.

Because of this reduction, you may experience longer than usual wait times to enter some of our branches.

We sincerely appreciate your patience and understanding as we all work to keep our customers, employees and the community safe.

A reminder of what you can expect as you enter our branches:

  • A branch representative will greet customers at the door to help facilitate. proper social distancing
  • Masks must be worn by all employees and customers
  • New traffic patterns (one-way) for each branch will continue
  • Sneeze guards and glass dividers at teller windows
  • Sneeze guards at Relationship Banker desks
  • Hand sanitizer stands and wall units
  • No coffee stations for customers
  • No waiting-area furniture
  • No access to the Online Banking kiosk
  • Only one person at a time at the check-writing table, with a queuing line
  • Expanded services continuing in our drive-up lanes
  • If you need to meet with a Relationship Banker who is busy with another customer, a branch representative will take your phone number and ask you to wait in your car or outside until called.

1: Limit of six ATM deposits per day at any ESL ATM. At least the first $225 daily deposit available immediately.