Overdraft Line of Credit

Here’s a great way to get the extra financial flexibility you need to save on fees and manage your cash flow.

• A smart form of financial protection. Your line of credit will help you avoid overdraft fees and the cost of returned payments.
• A simplified approach to payments. Thanks to the financial flexibility of your line, you can eliminate the need to make alternate payment arrangements.
• Fast access to extra cash. It’s a great way to prepare for unexpected expenses and emergencies.
• The convenience of revolving credit. You can pay off your balance and borrow again and again.
• A wide range of financing available. Our overdraft lines range from $500 to $25,000.
• A simple, straightforward application process. At ESL, we make it easy for you to get the flexible and affordable financing you need.

Bottom line? The ESL Business Overdraft Line of Credit will help you manage your money and your business.

Basic Requirements 

• Before you open an ESL Business Overdraft Line of Credit, you’ll need one of our great business checking accounts.

Automatic Advances for Overdrafts

• Once you open your Business Overdraft Line of Credit, funds will be advanced automatically to your linked ESL business checking account when the account is overdrawn.
• Advances are made in $100 increments.
• Your line of credit will automatically cover overdrafts that take place:
  • By a written check
  • At an ATM
  • Through online Bill Pay
  • With an ESL Visa® Business Debit Card transaction 

Additional Information

• The minimum monthly payment for your ESL Business Overdraft Line of Credit will be deducted automatically from your ESL business checking account.
• To quickly transfer money from your line of credit or pay down the balance on your line, you can:
  • Visit any ESL branch
  • Call 585.336.1000
  • Use business online banking

If you already have one of our great business checking accounts, it’s easy to apply for a Business Overdraft Line of Credit at ESL.

Ready to apply? Here are the convenient options to apply.

We look forward to helping you avoid overdraft fees and get the extra financial flexibility you need for your business.

The ESL Business Overdraft Line of Credit: It’s another way that ESL answers to you.