Business Classic Checking Account

Here's a great money management solution if you don't have a lot of checking account transactions each month. There’s no monthly fee, and you can choose from a variety of overdraft protection options.

I only have a few transactions each month and don't want a minimum balance.

Open a Business Classic Checking Account today.
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  • Features & Benefits

    If you’re looking for a business checking account that combines outstanding economy with round-the-clock convenience, you’ll appreciate the many advantages of the Business Classic Checking Account from ESL.

    • Save money month after month. There is no monthly maintenance fee with this classic account.
    • Easy to open. All it takes is $1 to open your account.
    • Free transactions. Every month, your first 300 monthly transactions are free.
    • Great overdraft protection available. Choose from a variety of overdraft protection plans.
    • Optional rewards program. You can choose an ESL Visa® Business Check Card with or without the ability to earn valuable rewards.
    • Free online banking and online Bill Pay. It’s all part of our effort to help you save time on money management. Learn more.
    • Access to our extensive branch and ATM network. Our network stretches from Irondequoit to Geneseo and Batavia to Newark. So whenever you’re traveling in the Greater Rochester area, you’ll find an ESL branch or ATM near you.

    Those are just some of the reasons why the ESL Business Classic Checking Account could be a great money management solution for you and your business.

     
  • Specifics

    Account information:

    • Open an account with a deposit of $1 or more
    • Get first 300 combined transactions free each month
    • No monthly service fee 
    • See all the specifics in the ESL Business Account Agreement

    Business check orders:

    • Order online at www.deluxe.com/shop. Invoicing is available on orders in excess of $250.
    • Call Deluxe at 1.800.252.3414

    The ESL ABA Routing Number is 222371863.

     
  • Fees

    Here are the most common fees that may be incurred on ESL checking accounts. Click here for a complete listing of all ESL fees.

    Your ESL Business Classic Checking Account includes free access to and use of business online banking to check accounts, transfer money, or manage your personal information. This includes free use of online Bill Pay.

    Transaction Fees

    Fee Type
    Description
    Fee
    Fee TypeFirst 300 transactions per month
    DescriptionThe first 300 transactions include all ACH debits and credits, ATM deposits and withdrawals, checks paid or deposited, and deposit tickets.
    FeeFree
    Fee TypeACH Debits and Credits
    DescriptionFee for each ACH debit and credit after the first 300 free transactions that month.
    Ways to avoid fees- Upgrade to Business Premier Checking if consistently have more than 300 transactions and less than 500 transactions per month.
    - Monitor your transactions per month with business online banking.View business online banking
    Fee$0.25
    Fee TypeATM Deposits and Withdrawals
    DescriptionFee for each ATM deposit and withdrawal after the first 300 free transactions that month.
    Ways to avoid fees- Upgrade to Business Premier Checking if consistently have more than 300 transactions and less than 500 transactions per month.
    - Monitor your transactions per month with business online banking.View business online banking
    Fee$0.25
    Fee TypeChecks Paid or Deposited
    DescriptionFee for each check paid or deposited after the first 300 free transactions that month.
    Ways to avoid fees- Upgrade to Business Premier Checking if consistently have more than 300 transactions and less than 500 transactions per month.
    - Monitor your transactions per month with business online banking.View business online banking
    Fee$0.25
    Fee TypeDeposit Ticket
    DescriptionFee for each deposit ticket after the first 300 free transactions that month.
    Ways to avoid fees- Upgrade to Business Premier Checking if consistently have more than 300 transactions and less than 500 transactions per month.
    - Monitor your transactions per month with business online banking.View business online banking
    Fee$0.25

    Fees may change. 

     

    ATM Fees

    Fee Type
    Description
    Fee
    Fee TypeESL Owned ATMs
    DescriptionFees for ATM transactions at ESL owned ATMs. These include transactions such as withdrawals, deposits, and balance inquiries.
    FeeFree
    Fee TypeNon-ESL Owned ATMs
    DescriptionFees for ATM withdrawals at non-ESL owned ATMs. You are charged by ESL and potentially the owner of the ATM when you use a non-ESL ATM.
    Ways to avoid fees- Choose the cash-back feature at many retail stores when using your ESL Business Visa Check Card and entering your PIN.View debit card information
    Fee$1.50
    Owner of ATM may also charge a fee.

    Fees may change. 

     

    Insufficient Funds Fees

    Fee Type
    Description
    Fee
    Fee TypeInsufficient Funds
    DescriptionThere is not enough money in the account for the amount of the transaction (checks, automatic withdrawals via ACH, and ESL Bill Pay), and you are charged a fee. The item may be paid, or if not paid it is returned to the Payee.
    - Monitor account activity with ESL business online banking.
    - Set up email alerts to let you know when your balance falls below a certain amount.
    - Transfer funds from another ESL account via an ESL ATM, business online banking, TEL-E$L, chat or telephone banking , or at an ESL Branch.
    - Ask about overdraft options, such as Business Overdraft Line of Credit, CheckOK and Courtesy Pay.
    Fee$37.00
    The Payee may also charge you a fee
    Fee TypeUncollected Fees
    DescriptionYou have deposited funds, but they are not available in your account for withdrawal. Therefore, you do not have enough money for the amount of the transaction (checks, automatic withdrawals via ACH, and ESL Bill Pay). The item is not paid and returned to the Payee and you are charged a fee.
    Ways to avoid fees- Monitor account activity with ESL business online banking.
    - Set up email alerts to let you know when your balance falls below a certain amount.
    - Transfer funds from another ESL account via an ESL ATM, business online banking, TEL-E$L, chat or telephone banking , or at an ESL Branch.
    - Ask about overdraft options, such as Business Overdraft Line of Credit, CheckOK and Courtesy Pay.
    Fee$37.00
    The Payee may also charge you a fee
    Fee TypeDeposited Items Returned
    DescriptionFor each item you deposit or cash that is returned unpaid. This usually occurs because the person who wrote the check doesn’t have enough funds in their account to cover the amount or because a stop payment was placed.
    Fee$10.00
    Fee TypeACH Deposit Item Returned
    DescriptionFor each ACH deposit item returned unpaid.
    Fee$6.00

    Fees may change. 

     

    Overdraft Protection Fees

    Fee Type
    Description
    Fee
    Fee TypeCheckOK Fees
    DescriptionOverdraft protection paid from a linked account — Coverage of insufficient or uncollectable funds (from your checks, automatic withdrawals via ACH, and ESL Bill Pay transactions) are paid by a linked account (e.g., business savings account). The maximum overdraft is based on the amount available in the linked account.

    - Monitor account activity with ESL Business Online Banking.
    - Set up email alerts to let you know when your balance falls below a certain amount.
    - Transfer funds from another ESL account via an ESL ATM, online or mobile banking, TEL-E$L, chat or telephone banking, or at an ESL branch.

    View Business Online Banking
    Fee$5.00 each day an overdraft occurs. No fee when not used.
    Fee TypeCourtesy Pay Overdraft Fees
    DescriptionOverdraft Protection for checks, Bill Pay, and automatic ACH payments — Coverage of insufficient or uncollectable funds (from your checks, automatic withdrawals via ACH, and ESL Bill Pay transactions) are paid by ESL up to the maximum overdraft. Each overdraft is charged a fee based on the value of the item. The monthly maximum overdraft is $500 for Business Classic Checking and $1,000 for Business Premier or Business Analyzed Checking.
    Ways to avoid fees

    - Monitor account activity with ESL Business Online Banking.
    - Set up email alerts to let you know when your balance falls below a certain amount.
    - Transfer funds from another ESL account via an ESL ATM, online or mobile banking, TEL-E$L, chat or telephone banking, or at an ESL branch.

    View Business Online Banking
    Fee$37.00
    Fee TypeCourtesy Pay POS Overdraft Fee
    DescriptionOverdraft Protection for Point of Sale Transactions — Coverage of insufficient or uncollectable funds (from your debit card purchases) are paid by ESL up to the maximum overdraft. Each overdraft is charged a fee based on the value of the item. The monthly maximum overdraft is $500 for Business Classic Checking and $1,000 for Business Premier or Business Analyzed Checking.
    Ways to avoid fees

    - Monitor account activity with ESL Business Online Banking.
    - Set up email alerts to let you know when your balance falls below a certain amount.
    - Transfer funds from another ESL account via an ESL ATM, online or mobile banking, TEL-E$L, chat or telephone banking, or at an ESL branch.

    View Business Online Banking
    Fee$0.01-$5.00: Free

    Greater than $5.00: $37.00 Fee

    Fees may change. 

     

    Visa® Business Check Card Fees

    Fee Type
    Description
    Fee
    Fee TypeAnnual Fee
    DescriptionNo annual fee if you do not participate in the Rewards Program
    FeeNone
    Fee TypeAnnual Fee for Rewards
    DescriptionAnnual fee for ScoreCard Rewards® if you participate in the Rewards Program
    Fee$50.00 per year
    Fee TypeReplacement Fee
    DescriptionRequest a new card to replace an existing card
    FeeFree
    Fee TypeRush Order
    DescriptionExpedite receiving a replacement card
    Fee$15.00
    Fee TypeInternational Service Assessment
    DescriptionYou make a purchase in a foreign currency (in person or online)
    Fee1% of transaction amount

    Fees may change. 

     

    Check Fees

    Fee Type
    Description
    Fee
    Fee TypeCheck Printing
    DescriptionVaries by style. Available online, in branch, chat banking, and telephone banking.
    FeeVaries by style
    Fee TypeCheck Protest
    DescriptionFee charged for pursuing collection of a check written that was returned unpaid.
    FeeFree
    Fee TypeCopies of Checks
    DescriptionCopies of deposited or cashed non-ESL checks
    FeeFree

    Fees may change. 

     

    Stop Payment Fees

    Fee Type
    Description
    Fee
    Fee TypeStop Payments
    DescriptionTo request the stop payment of a check or ACH from your account that has not been deposited or cashed by the payee.
    Fee$30.00

    Fees may change. 

     

     
  • How to Open

    It’s easy to open an ESL Business Classic Checking Account:

    We look forward to helping you manage your money … and save on monthly fees … with a Business Classic Checking Account from ESL.