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Tiered Savings Account

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

Your Tiered Savings Account includes free access to and use of online and mobile banking to check accounts, transfer money, or manage your personal information. This includes online and mobile bill pay and mobile deposit.

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Balance Fee

Fee Type
Description
Fee
Fee TypeAverage Balance Fee
DescriptionIf your monthly average balance drops below $50,000, your account will be charged the fee that month.

- Keep your monthly average balance greater than $50,000.
- Set up text or email alerts to let you know when your balance falls below a certain amount. View savings account options.

View savings account options
Fee$20.00

Fees may change. 

 

ATM Fees

Fee Type
Description
Fee
Fee TypeESL Owned ATMs
DescriptionFee for transactions done at ATMs owned by ESL. These include transactions such as withdrawals, deposits, and balance inquiries.

There is no charge when you use an ESL owned ATM.

FeeFree
Fee TypeNon-ESL Owned ATMs
DescriptionFee for withdrawals done at ATMs not owned by ESL. You are charged by ESL and potentially the owner of the ATM when you use a non-ESL ATM.

First five withdrawals per month are free with direct deposit or Premier Checking. Owner of ATM may charge a fee.

Fee$1.50
Owner of ATM may also charge a fee.

Fees may change. 

 

Insufficient Funds Fees

Fee Type
Description
Fee
Fee TypeOverdraft/Insufficient Funds
DescriptionThere is not enough money in the account 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.
Monitor account activity with ESL online banking and/or mobile banking.
- Set up text or 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.
- Ask about overdraft options, such as ESL Cash Reserve, CheckOK and Courtesy Pay.
Fee$5.00
The Payee may also charge you a fee
Fee TypeOverdraft/Uncollected Funds
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.

- Monitor account activity with ESL online banking and/or mobile banking.
- Set up text or 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.
- Ask about overdraft options, such as ESL Cash Reserve, CheckOK, and Courtesy Pay.

Fee$5.00
The Payee may also charge you a fee
Fee TypeReturned Check Fee
DescriptionFor each item you deposit or cash that is returned unpaid. This usually occurs because the person who wrote you the check doesn’t have enough funds in their account to cover the amount.
Fee$10.00

Fees may change. 

 

ATM/Debit Card Fees

Fee Type
Description
Fee
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
DescriptionFee assessed for purchases made in a foreign currency (in person or online)
Fee1% of transaction amount

Fees may change.