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Business Savings Account Fees

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

Your ESL Business Savings 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.

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. 

 

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. 

 

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.