Business Premier Checking Account

Make your money work harder for you by earning dividends on your balance. Earn greater yields with higher balances. ESL Business Premier Checking is a great solution for businesses with high transaction volumes.

I need convenient solutions for my business while I earn dividends.

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

    Our Business Premier Checking Account will help you manage your money and earn dividends on your balances. 

    • Earn more: Receive higher dividends with higher balances, thanks to our tiered rates.
    • Save on fees: There’s no monthly fee with an average monthly account balance of $5,000 or more.
    • More free transactions: Get 500 free transactions every month.
    • Protection: Choose from a variety of overdraft protection options.
    • Convenience:

    Those are just some of the reasons why more and more businesses are coming to ESL for our comprehensive portfolio of checking solutions and business banking services.

     
  • Specifics

    Account information:

    • Open an account with a deposit of $1 or more
    • Get first 500 combined transactions free each month
    • Monthly service fee waived for average balance of $5,000 or more 
    • Tiered rates based on balances
    • 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.

     
  • Rates

    Business Premier Checking Account

    Minimum Balance to Open Account: $1

    Balance Tiers
    Minimum Balance to Obtain APY
    Dividend Rate
    Annual Percentage Yield
    Balance Tier $1 - 9,999.99
    Minimum Balance to Obtain APY $1
    Dividend Rate 0.000%
    Annual Percentage Yield 0.00%
    Balance Tier $10,000 - 99,999.99
    Minimum Balance to Obtain APY $10,000
    Dividend Rate 0.050%
    Annual Percentage Yield 0.05%
    Balance Tier $100,000 - 249,999.99
    Minimum Balance to Obtain APY $100,000
    Dividend Rate 0.100%
    Annual Percentage Yield 0.10%
    Balance Tier $250,000 and greater
    Minimum Balance to Obtain APY $250,000
    Dividend Rate 0.100%
    Annual Percentage Yield 0.10%

    Rates accurate as of

     
    .
    All rates subject to change without notice. Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Fees could reduce earnings in this account.
     
  • Fees

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

    Your ESL Business Premier 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 and Balance Fees

    Fee Type
    Description
    Fee
    Fee TypeFirst 500 transactions per month
    DescriptionThe first 500 transactions include all ACH debits and credits, ATM deposits and withdrawals, checks paid or deposited, and deposit tickets.
    FeeFree
    Fee TypeACH Debits & Credits
    DescriptionFee for each ACH debit and credit after the first 500 free transactions that month.
    Ways to avoid fees- Monitor your transactions per month with business online banking.View business online banking
    Fee$0.25
    Fee TypeATM Deposits & Withdrawals
    DescriptionFee for each ATM deposit and withdrawal after the first 500 free transactions that month.
    Ways to avoid fees- Monitor your transactions per month with business online banking. View business online banking
    Fee$0.25
    Fee TypeChecks Paid or Deposited
    DescriptionFee for each checks paid or deposited after the first 500 free transactions that month.
    Ways to avoid fees- Monitor your transactions per month with business online banking. View business online banking
    Fee$0.25
    Fee TypeDeposit Ticket
    DescriptionFor each deposit ticket after the first 500 free transactions that month.
    Ways to avoid fees- Monitor your transactions per month with business online banking. View business online banking
    Fee$0.25
    Fee TypeMonthly Balance Fee
    DescriptionIf your monthly average balance drops below $5,000, your account will be charged the fee that month.
    Ways to avoid fees- Keep your monthly average balance greater than $5,000
    - Switch to Business Classic Checking if your balance will be consistently under $5,000 and you have less than 300 transactions per month.
    - Monitor your transactions per month with business online banking. View business online banking
    Fee$12.00

    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 Premier Checking Account:

    We look forward to helping you manage your money with a Business Premier Checking Account from ESL.