Why Choose ESL Federal Credit Union over a Traditional Bank?

It’s easy to join ESL for your personal banking.

And once you become a member, your immediate family automatically becomes eligible for membership, too.

In fact, you’re already eligible if you:

• Have a family member or member of your household who’s already an ESL member.
• Live, work, worship, or attend school in the geographic boundaries of the City of Rochester.
• Are an employee or retiree of one of these great companies.
• Are a member of one of these groups and associations.
• Are a member, employee, retiree, or volunteer at the George Eastman Museum.
• Have a family member or member of your household that meets any of these requirements.

Still not eligible?

If you meet a few basic requirements, and live in one of the counties listed below, we’ll pay for your membership at the internationally renowned George Eastman Museum. Then you’ll be ready to join ESL and open your first account.

• Eligible counties — Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming or Yates.

You'll also need to:

• Choose how you’d like to open your first ESL account:
  • Contact an ESL representative who will be happy to explain your options and help you complete the account opening process.
  • Complete the Membership Application Form.
• Provide a copy of a valid and current form(s) of identification (see table below):
  • One Primary form of ID from List A, OR
  • One Secondary form of ID from List B AND one Secondary form of ID from List C
• Non-Resident Alien must provide all of the following:
  • Unexpired Passport from Country of Origin (cannot be from an OFAC blocked country)
  • One form of ID from either List B or List C (see table below)
  • Proof of U.S. physical address

*Please contact us if the address on your ID is not your current address, is a P.O. Box or an address isn’t listed. Further information will be needed to process your membership request.

Your Business Could be Eligible to Join ESL if You Meet One of the Following Requirements:

• Your business is located in the geographical boundaries of the City of Rochester.
• Your business is one of these eligible companies or organizations.
• All business owners and authorized signers for your company qualify for a personal ESL membership. Depending on the type of business, this includes:
  • Business owners for DBAs and Sole Partnerships based in New York State
  • All partners for Partnerships
  • All members for LLCs
  • All officers and shareholders for Corporations
  • All members for Funds, Associations, and Non-Profits

You’ll Also Need to:

• Choose how you’d like to open your first ESL business account:
  • Contact an ESL representative who will be happy to explain your options and help you complete the account opening process.
  • Complete and sign a Business Membership Application and a Business Member Account Agreement.
• Provide required documentation which includes:
  • A copy of a valid and current form(s) of identification for each owner, officer, and signer (see table below):
    • One Primary form of ID from List A, OR
    • One Secondary form of ID from List B AND one Secondary form of ID from List C
  • Non-Resident Alien must provide all of the following:
    • Unexpired Passport from Country of Origin (cannot be from an OFAC blocked country)
    • One form of ID from either List B or List C as noted in the table below
    • Proof of U.W. physical address
  • Each business type requires different documentation to join. Our Business Banking Account Opening Checklist outlines what additional information will be needed, based on how your business is structured.

*Please contact us if the address on your ID is not your current address, is a P.O. Box or an address isn’t listed. Further information will be needed to process your membership request.

Here’s something that truly sets us apart. Our exclusive Owners’ Dividend.*

Want to know how it works? Every year that we earn more than necessary to keep us strong and healthy, we return a portion of our profits to our members.

It’s a wonderful way to share our success with our members. And it’s definitely a benefit that can really add up over time.

• Learn more about the ESL Owners’ Dividend

In the meantime, don’t forget the other ESL extras that come with your membership:

• Award-winning service.
• Outstanding banking convenience, thanks to our extensive branch and ATM network, online banking, personal mobile banking, and chat banking.
• Decisions on loans and other business issues that are made right here where we live and work.
• Our exclusive focus on our members—after all, at ESL, we don’t have shareholders to worry about.

*Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

You can qualify for ESL membership if you:

Are an employee or retiree of one of the following companies:

• Advent House
• Archi-Technology, LLC
• BBL®, Inc.
• Daymon Worldwide
• Eastman Gelatine Corporation (if you work in or are paid from Peabody, Massachusetts)
• Eastman Kodak Company (if you work in or are paid from Rochester, New York)
• ESL Federal Credit Union
• ESL Investment Services, LLC
• FPC, Inc. (if you work in or are paid from Hollywood, California)
• Genencor International, Inc.
• Geva Theatre
• Harter, Secrest & Emery, LLP
• Hatch Leonard Naples
• Heidelberg Digital, LLC
• Imagery Software, Inc. (if you work in or are paid from Bedford, Massachusetts)
• Jamestown Container Rochester
• Jamieson Film Company (if you work in or are paid from Dallas, Texas)
• Kodak Electronic Printing Systems, Inc. (if you work in or are paid from Bellerica, Massachusetts)
• Kodak Polychrome Graphics
• Kodak Technical Services, Inc. (if you work in or are paid from Wilmington, Ohio)
• Lightwave Enterprises, Inc.
• Metrix Matrix, Inc.
• Nationwide Precision Products Corporation
• Nazareth Schools: The Hall and The Academy
• Nexpress of Rochester, New York
• Nixon Peabody LLP
• Parrone Engineering
• Pitney Bowes (Gates, New York)
• Qualex (if you work in or are paid from Durham, North Carolina)
• Rochester Technology Park
• School of the Holy Childhood
• TBO Company
• Telecomp, Inc.
• The Harley School
• The Image Bank, Inc., or its Film Search, Inc., or Stockphotos, Inc., divisions (if you work in or are paid from Irving, Texas)
• The Image Bank South, Inc. (if you work in or are paid from Atlanta, Georgia)
• The Rochester Group
• Total Identity Systems, Corp.
• Trinity Emanuel Lutheran Church
• URS Corporation
• Wegmans Food Markets
• WHEC-TV
• WROC-TV
• WXXI

Are an employee or retiree of one of the following companies or units who perform outsourced work under contract to the Eastman Kodak Company and who work in Rochester, New York:

• General Electric Capital Corporation
• GTE Customer Networks
• Guardsmark, Inc.
• Integrated Systems Solutions Corporation (ISSC), a subsidiary of IBM
• Marriott Food Services (excluding hotel employees and AVI employees)
• Northern Telecom

Are an employee, retiree, member, or volunteer of the George Eastman Museum.

Are a member of one of the following groups or associations:

• The Board of the Penfield Ecumenical Food Shelf, Inc.
• Deer Run Homeowners Association
• Genesee Valley Umpires Association
• Greater Rochester Association of Realtors