Premier Checking Account

• No monthly service fee with $1,000 average monthly balance.
• Competitive, variable dividend rate.
• Free ESL Visa^® Debit Card: Make purchases wherever Visa is accepted.
• Access your account at any time with free 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.
  • Maximum daily withdrawal of $1,000.
  • 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

• Monthly service fee: Your account will be charged $6.00 only if you do not maintain an average monthly balance of at least $1,000.
• 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.
• Premier Checking Accounts earn dividends calculated by the daily balance method and are compounded monthly.
• A variety of overdraft services are available to help you avoid unnecessary fees.

Helpful Tips

How to avoid overdraft fees:

• Monitor your account activity with online banking, mobile banking, or TEL-E$L.
• Set up text or email alerts to let you know when your balance falls below a certain amount.
• Transfer funds to your Premier Checking account from another ESL account by using an ESL ATM, online or mobile banking, or TEL-E$L. You can also connect with an ESL Representative who will be happy to assist you.
• 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: $1,000
• Choose the cash-back feature at many retail stores when you use your ESL Visa Debit Card and enter your PIN.

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 Premier Checking 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.