Free Checking Account

All this comes free with ESL Free Checking:

• ESL Visa^® Debit Card — use it anywhere Visa is accepted.
• No minimum balance or monthly service fees.
• ESL online banking and online Bill Pay.
• Mobile banking app for smartphones, iPads,^® and Android^TM tablets (apps are available in the App Store,^SM and Google Play™ store).
• Mobile deposit and mobile Bill Pay featured on the mobile banking app.
• Text banking and mobile web banking.
• Unlimited ATM withdrawals at any ESL ATM when you use your ESL Visa Debit Card.
  • Limit of six ATM deposits per day.
  • Generally, the first $225, $1,000, or the full amount (as described in the Funds Availability Policy) of your deposit will be available immediately.
  • Up to five free ATM withdrawals per month at non-ESL ATMs with direct deposit. (Please remember that the ATM owner may charge a fee.)

And don’t forget: Your balances are eligible for our unique ESL Owners’ Dividend!^*

The Basics

• Open your account with $1 or more.
• Your first order of 80 checks is free. (Following your first order, the cost for check printing varies by style.)
• You can order checks via online banking, chat banking, at an ESL branch, or by calling us. Learn more.
• And remember: There’s no minimum balance requirement or monthly service fee.

Helpful Tips

How to avoid overdraft fees:

• Monitor your transactions and account activity with online banking, mobile banking, or TEL-E$L.
• Set up text or email alerts to let you know when your balance falls below a certain amount.
• Transfer funds to your Free Checking Account from another ESL account by using an ESL ATM, online banking, mobile banking, or TEL-E$L. Or connect with an ESL Representative so we can help.
• Ask about our easy-to-set-up overdraft services, including ESL Cash Reserve, CheckOK, and Courtesy Pay.^*

How to avoid ATM fees:

• Use your ESL Visa Debit Card at any ESL ATM for free.
  • Limit of six ATM deposits per day.
  • Generally, the first $225, $1,000, or the full amount (as described in the Funds Availability Policy) of your deposit will be available immediately.
  • Maximum daily withdrawal of $1,000.
• Sign up for direct deposit or Premier Checking and receive five free withdrawals per month at non-ESL ATMs. (Note: The ATM owner may charge a fee.)
• You can use the cash-back feature at many retail stores by entering your PIN with your ESL Visa Debit Card.

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

Your ESL Free Checking Account includes free access to and use of online and mobile banking to check balances, transfer money, or manage your personal information. This includes online and mobile Bill Pay and mobile deposit.

Free Checking Account Fees