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Have a Question About ESL? Look Here for an Answer!

Maybe you want to get the scoop on our products and services. Or learn how to use online banking. (No sweat: It’s easy!) Or explore our proud history. Or read up on our policies and disclosures. No matter what you’re looking for, this is a great place to start.

And if you need more information or assistance, contact us today.

The ESL ABA Routing Number is 222371863.  

Once signed in to personal online banking, you may register for ESL Bill Pay by either clicking Bill Pay or you may mouse over Bill Pay and click Pay a Bill.

To gain access to Business Online Banking and Business Bill Pay, complete and sign the Business Online Banking Request Agreement. Drop off the signed agreement at any ESL branch or mail to:

ESL Federal Credit Union
Payment Operations Department
P.O. Box 92827
Rochester, NY 14692

Once we receive your signed agreement, we'll help you quickly complete the one-time registration process.

Please view the Three Great ESL Checking Options chart to determine the best product for you.

The daily limit for ESL Visa Debit Card purchases is $5,000 when you use your card as credit. The daily limit for purchases made with your PIN is $1,000, which includes the daily cash limit you can withdraw from an ATM.

The daily limit for ESL Visa Business Debit Card purchases is $5,000 when you use your card as credit. The daily limit for purchases made with your PIN is $1,000, which includes the daily cash limit you can withdraw from an ATM.

As an ESL member, you have a unique member number that identifies you and your relationship with ESL. Your member number is listed at the top of each of your ESL statements.

You may also contact an ESL Representative to obtain your member number.

To edit information for an existing payee:

  1. Sign in to online banking.
  2. Click Bill Pay.
  3. Locate the payee in your My Bills & People I Pay list. 
  4. Click Options.  
  5. Click Account Information.
  6. You may be able to edit some or all of the following: 
    • Account Number 
    • Category 
    • Nickname 
    • Address (if paid electronically, this field cannot be edited) 
    • Phone Number

If you do not get the option to change the address, but still need to update it, delete or hide the payee and set it up again. 

If you are unable to log in, please:

  • Access the ESL Home page.
  • Click Sign In.
  • Click Trouble Logging in?  
  • To gain access to online banking you must have a new password sent to a registered phone number.

If you need further assistance please contact an ESL Representative. 

You can withdraw up to $1,000 per calendar day from an ATM with your ESL ATM or Visa® Debit Card.

For the first time you sign in to online banking, you must use a four-digit PIN. Once you are in, you will be required to create a password. If you do not have an online banking PIN, please contact an ESL Representative.

To gain access to Business Online Banking, complete the Business Online Banking Request Agreement. Drop off the signed agreement at any ESL branch or mail to:

ESL Federal Credit Union
Payment Operations Department
P.O. Box 92827
Rochester, NY 14692

Once we receive your signed agreement, we'll help you quickly complete the one-time registration process.

To sign in to personal online banking, enter your member number and use your online banking PIN as your initial password. If you do not have an online banking PIN, please contact an ESL Representative.

To gain access to Business Online Banking, complete the Business Online Banking Request Agreement. Drop off the signed agreement at any ESL branch or mail to:

ESL Federal Credit Union
Payment Operations Department
P.O. Box 92827
Rochester, NY 14692

Once we receive your signed agreement, we'll help you quickly complete the one-time registration process.

A replacement card is automatically issued to the address on record in the middle of the month the card is due to expire. Your current card is good through the last day of the month.

If you have not received your card, please contact an ESL Representative.

To view your statements, click Statements from the Member Center menu option. Statements available for viewing are listed by statement date. Click on the PDF icon to view the entire statement. In order to receive your statements online for the current month, you must change your online statement option four business days prior to the end of the month.

If you are unable to login please:

  • Access the ESL Home page.
  • Click Sign In.
  • Click on Trouble Signing In? 
  • Please follow the prompts to gain access to Online Banking. 

If you need further assistance, or would like to speak with someone about Business Online Banking, please contact an ESL Representative. 

To set up or change your PIN, please call 844.433.1140.

If you are hearing impaired, please contact an ESL representative for further assistance with setting or changing your ESL ATM or Visa Debit Card PIN.

If you are mailing a deposit or payment to an ESL loan please send that to:

ESL Federal Credit Union
P.O. Box 92827
Rochester, NY 14692-9938

If you are mailing an ESL Visa Credit Card Payment please send that to:

ESL Federal Credit Union
P.O. Box 41769
Philadelphia, PA 19101-1769

ESL offers additional Loan Payment Options.