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Owners' Dividend Calculators

How do we calculate your Owners’ Dividend?

Personal

  • On average, what is your typical monthly balance for your ESL accounts (from January 1 – December 31)?
    (For loan accounts, please use your average outstanding balance amount, NOT your average line amount.)
  • What are the total number of purchase transactions you’ve made from January 1 – December 31 with an ESL Visa® Card1?
  • Do you have a relationship with an ESL Wealth Management subsidiaries (ESL Investment Services; ESL Trust Services, LLC; and/or Cooper/Haims Advisors)?

Share Products

Savings
Checking
Money Maker
Certificates
IRAs
Share Total

Loan Products

Mortgage
Home Equity
Auto
Visa® Credit Cards
Other Loans
Loan Total

Transactions

Debit Card Transactions
Credit Card Transactions
Personal Transaction Total

Wealth Relationship

Your Estimated Owners’ Dividend1

1: Maximum payout of $3,000. The estimated Owners’ Dividend is for illustrative purposes only and is calculated based on criteria for the previous year and one full calendar year of relationship with ESL beginning in January. The criteria for the current year will result in a different amount. If you begin your relationship during any other month of the year, the amount will be different. Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of an Owners’ Dividend is not guaranteed.

Business

  • On average, what is your typical monthly balance for your ESL accounts (from January 1 – December 31)?
    (For loan accounts, please use your average outstanding balance amount, NOT your average line amount.)
  • What are the total number of purchase transactions you’ve made between January 1 – December 31 with an ESL Visa® Card1?
  • Do you have a relationship with an ESL Wealth Management subsidiaries (ESL Investment Services; ESL Trust Services, LLC; and/or Cooper/Haims Advisors)?

Share Products

Business Savings
Business Checking
Business Money Maker
Business Certificates
 
 
Business Share Total

Loan Products

Business Mortgage
Business Term Loan
Business Line of Credit
Business Overdraft Line of Credit
Business Visa® Credit Cards
Business Loan Total

Transactions

Debit Card Transactions
Credit Card Transactions
Business Transaction Total

Wealth Relationship

Your Estimated Owners’ Dividend2

1: Includes Sole Proprietor and DBA accounts.
2: Maximum payout of $3,000. The estimated Owners’ Dividend is for illustrative purposes only and is calculated based on criteria for the 2021 Owners Dividend payout and relationship with ESL from 1/1/2021 – 12/31/2021. The criteria for future payouts based on one full calendar year relationships will result in a different amount. Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of an Owners’ Dividend is not guaranteed. ESL IOLA Checking accounts and VA Loans are not eligible.