Cash Services

Gain access to convenient banking services without the requirement of an ESL account.1 You can cash a payroll or government check, pay a bill, get a prepaid card, and more! It's all available at any of our 20 branches with clear terms and no surprise fees.

  • Features & Benefits

    Whether you have an ESL account or not, here’s some great news.

    You can cash checks, pay bills, and take advantage of our other timesaving Cash Services just by visiting the ESL branch near you. And there’s only a simple, one-time registration* required for non-members.

    • Save time and money. Our terms are completely clear and straightforward. And our fees are very competitive. So you can eliminate the need for high-priced “check cashers.” And you won’t have to worry about hidden fees.
    • Keep things simple. You don’t need an ESL account to use our convenient Cash Services. Just complete the one-time registration process, and you’re ready to cash checks, pay bills, and more.
    • Visit the branch near you. With 20 welcoming branches located throughout the Greater Rochester area, it’s easy to find an ESL branch close to you.

    We look forward to helping you bank how, when, and where you want. It's all part of our effort to answer to you.

    *Registration subject to eligibility requirements.

     
  • Specifics

    You can do all these Cash Services—and more—by visiting any ESL branch and registering* for Cash Services:

    • Cash checks. And get your money fast. You can cash your payroll, government, and official bank checks immediately at any of our 20 branches. You can cash your postal money orders, too.
    • Pay bills in person without writing a check. You can pay for utility, phone, cable or satellite TV, and other services at any ESL branch. Just pay a simple, flat fee for each bill. And you won’t have to bother with writing checks.
    • Get Money Orders and Cashier’s Checks. When you need to make a bill payment, large purchase, or down payment, these official bank checks are a great solution.
    • Buy Visa® Prepaid Cards. You can use them around the world wherever Visa is accepted. And you won’t have to worry about overspending, overdrawing an account, or paying interest on credit. Plus, you can reload your cards and use them again and again.
    • Make someone happy with our Visa® Gift Cards. They’re widely accepted. And they’re safer than cash. That’s why Visa Gift Cards are a popular choice for birthdays, holidays, weddings, graduations, and other special occasions. They’re a wonderful way to say “thank you!,” too.
    • Use our free notary services. You don’t have to drive around the city looking for a notary public. Just stop by the ESL branch near you. You can get your important legal, financial, and real estate documents notarized in a hurry. And remember: This helpful service is completely free to you.

    We look forward to helping you bank how, when, and where you want. It's all part of our effort to answer to you.

    *Registration subject to eligibility requirements.

     
  • Fees

    Check Cashing Fee

    Fee Type
    Description
    Fee
    Fee TypeCheck Cashing
    DescriptionFee to cash a check in an ESL branch, if you do not have an ESL account.
    FeeCheck up to $1,000: $1.00 per check
    Check from $1,001-$2,000: $15.00 per check
    Check from $2,001-$5,000: $30.00 per check
    Check from $5,001-$10,000: $75.00 per check

    Fees may change. 

     

    In-Person Bill Pay Fees

    Fee Type
    Description
    Fee
    Fee TypeIn-Person Bill Pay Fee1
    DescriptionFee to pay a bill (cable, utility, etc.) with cash or money from your ESL account. Available at ESL branches.
    FeeStandard (2-3) days: $1.25
    Next Business Day: $2.25
    Same Day: $4.25

    Fees may change. 

     

    Money Order Fees

    Fee Type
    Description
    Fee
    Fee TypeMoney Order
    DescriptionFor amounts of $2,000 or less
    Fee$0.75 per Money Order
    Fee TypeCashier's Check
    DescriptionAvailable for any amount, as long as there is a payee
    Fee$5.00 per check

    Fees may change. 

     

    ESL Visa Prepaid Card Fees

    Fee Type
    Description
    Fee
    Fee TypeCard Fee
    DescriptionFee to purchase the card
    FeeFree
    Fee TypeAdditional Card Fee
    DescriptionGet another card that will access the funds loaded onto the primary card
    FeeFree
    Fee TypeReload Fee
    DescriptionFee to add money to the card
    Ways to avoid feesReloading funds to your prepaid card is free when you have direct deposit.View prepaid card information
    FeeFree with direct deposit, or $3.00 per load
    Fee TypeMonthly Maintenance Fee
    DescriptionCharged once per month
    Fee$3.00 per card
    Fee TypeCard Replacement Fee
    DescriptionRequest a new card to replace an existing card
    Fee$12.00 per card
    Fee TypeRush Delivery Fee
    DescriptionExpedite receiving a replacement card
    Fee$15.00 per card
    Fee TypeInternational Service Assessment Fee
    DescriptionYou make a purchase in a foreign country (in person or online)
    Fee1% of the transaction amount

    Fees may change. 

     

    ESL Visa Gift Card Fees

    Fee Type
    Description
    Fee
    Fee TypeCard Fee
    DescriptionFee to purchase the card
    Fee$3.50
    Fee TypeMonthly Inactive Fee
    DescriptionFee charged after 36 months of inactivity
    Fee$2.50
    Fee TypeCard Replacement Fee
    DescriptionRequest a new card to replace an existing card
    Fee$12.00 per card
    Fee TypeInternational Service Assessment Fee
    DescriptionYou make a purchase in a foreign country (in person or online)
    Fee1% of the transaction amount

    Fees may change. 

     

     
  • How to Register

    Ready to register for our Cash Services? Stop by the ESL branch near you and sign up for our convenient, easy-to-use Cash Services today. All you have to do is follow three simple steps:

    1. Make sure you’re eligible (see below)
    2. Complete a Cash Services Registration Form—just print it … fill it out … and bring it to any ESL branch
    3. Provide your Social Security Number and two current forms of identification:
      • Your current government-issued Driver’s License OR unexpired U.S. Passport
      • A utility bill or another official document that verifies your current address

    The entire process takes only a few minutes. Once you’re registered, you can pay bills, cash checks, and take advantage of all our timesaving Cash Services throughout the Greater Rochester area simply by visiting any ESL branch.

    Eligibility

    While it’s not necessary to be an ESL member to use ESL Cash Services, you must meet one of the following eligibility requirements:

    • An immediate family/household member* is a current ESL member, OR
    • You, or an immediate family/household member,* live, work, worship, or attend school within the geographic boundaries of the City of Rochester, OR
    • You, or an immediate family/household member,* are an employee/retiree of an eligible company or member/volunteer of an eligible organization.

    You also cannot have a ChexSystems Record that is due to fraud.

    Any ESL representative can help you determine how easy it is to qualify.

    * Immediate family member is a spouse, child, parent, grandparent, grandchild, brother, or sister. View list of eligible companies and organizations.

     

    For more information:

    It’s all part of our effort to help you bank how, when, and where you want.

    On behalf of all of us at ESL, we look forward to helping you.