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ESL Information FAQs

The ESL ABA Routing Number is 222371863.  

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.

If you are interested in employment at ESL, please view our ESL Careers page for job opportunities and complete details on how to apply. 

To reset your ESL Careers password please

  • Click the Edit your Profile link on the Careers page. 
  • Select the Forgot your password? link on the log-in screen.
  • Enter either your username or your email address.

ESL's financial statement may be viewed in the ESL Corporate Information section.

You may contact an ESL Representative by phone, online chat, email, or at a branch.

You may also reach ESL after hours by sending a secure email.  Once logged in to personal online banking please:

  • Click Support located in the upper right corner. 
  • Click Member Center. 
  • Click Send us secure email. 

To send a secure email once logged into business online banking please:

Click Online Services.
Select Member Service Center.
Click on the Click here to send an email link.

Please view our Branch Office Locations page for our locations and hours of operation.

Our corporate headquarters address is:

ESL Federal Credit Union
225 Chestnut St
Rochester, New York  14604

For additional information please view our Customer Service page.

Please view our Branch Office Locations page for our branch locations and hours of operation.

Please view our ESL Membership page to learn how to establish a personal or business membership.

All ESL business memberships are assigned a unique company ID number that identifies the company's relationship with ESL.  The company ID is listed at the top of each of the monthly statements.

You may also contact an ESL Representative to obtain your company ID.

The higher your balance, the higher your Dividend. An ESL Representative will be happy to tell you what you can do to increase your Owners' Dividend.

The best way to estimate your potential Owners’ Dividend is to use the Owners' Dividend Calculator.  The calculation is for illustration purposes only. The estimate is based on a full year relationship. Actual payout depends on the length of time accounts were opened. Also, payout of an Owners’ Dividend is subject to eligibility requirements and is not guaranteed. 

All Owners' Dividend payments are made using direct deposit to an ESL account.
An Owners' Dividend is a distribution of a portion of ESL's total annual earnings to both our personal and business members.

Although ESL has paid an Owners' Dividend every year, it is not guaranteed every year.
All ESL personal and business share and loan products qualify for Owners' Dividend.
If the Board of Directors approves an Owners' Dividend it is generally paid in the first quarter.
Please view our Owner's Dividend page for both personal and business eligibility requirements.

Spanish language ATMs are available at our Chestnut Street Office, Culver Ridge Office, Irondequoit Office, Lake Ave. Drive-up, and State Street Office. Click here to view our ATM and Branch locator tool.