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Overdraft Services

Overdraft Services

Fee Type
Description
Fee
Fee TypeInsufficient/Uncollected Funds Fee
DescriptionThere is not enough money in your account for the amount of the transaction or you have deposited funds, but they are not available for withdrawal for the transaction (checks, automatic withdrawals via ACH and ESL Bill Pay). The item is not paid and returned to the Payee. ESL will not charge a fee, however the Payee may charge a fee.

- Monitor account activity with ESL business online banking and/or mobile banking.
- Set up text or email alerts to let you know when your balance falls below a certain amount.
- Transfer funds from another ESL account via an ESL ATM, business online or mobile banking, TEL-E$L, chat or telephone banking, or at an ESL Branch.
- Ask about overdraft services, such as ESL Business Overdraft Line of Credit, CheckOK, and Courtesy Pay.

Fee$0 The Payee may charge you a fee
Fee TypeCheckOK Fee
DescriptionOverdraft protection paid from a linked account — Coverage of insufficient or uncollectable funds (from your checks, automatic withdrawals via ACH, and ESL Bill Pay transactions) are paid by a linked account (e.g., business savings account). The maximum overdraft is based on the amount available in the linked account.

- Monitor account activity with ESL Business Online Banking.
- Set up email alerts to let you know when your balance falls below a certain amount.
- Transfer funds from another ESL account via an ESL ATM, online or mobile banking, TEL-E$L, chat or telephone banking, or at an ESL branch.

View Business Online Banking
Fee$5.00 each day an overdraft occurs. No fee when not used.
Fee TypeCourtesy Pay Overdraft Fee
DescriptionOverdraft service for checks, Bill Pay, and automatic ACH payments — Coverage of insufficient or uncollectable funds (from your checks, automatic withdrawals via ACH, and ESL Bill Pay transactions) are paid by ESL up to the maximum overdraft. Each overdraft is charged a fee based on the value of the item. The monthly maximum overdraft is $500 for Business Classic Checking and $1,000 for Business Premier or Business Analyzed Checking.

- Monitor account activity with ESL Business Online Banking.
- Set up email alerts to let you know when your balance falls below a certain amount.
- Transfer funds from another ESL account via an ESL ATM, online or mobile banking, TEL-E$L, chat or telephone banking, or at an ESL branch.

View Business Online Banking
Fee$5.00
Fee TypePOS Overdraft Fee
DescriptionOverdraft service for Point of Sale Transactions — Coverage of insufficient or uncollectable funds (from your debit card purchases) are paid by ESL up to the maximum overdraft. Each overdraft is charged a fee based on the value of the item. The monthly maximum overdraft is $500 for Business Classic Checking and $1,000 for Business Premier or Business Analyzed Checking.

- Monitor account activity with ESL Business Online Banking.
- Set up email alerts to let you know when your balance falls below a certain amount.
- Transfer funds from another ESL account via an ESL ATM, online or mobile banking, TEL-E$L, chat or telephone banking, or at an ESL branch.

View Business Online Banking
Fee$0.01-$5.00: $0

Greater than $5.00: $5.00
Fee TypeDeposited Items Returned Fee
DescriptionFor each item you deposit or cash that is returned unpaid. This usually occurs because the person who wrote the check doesn’t have enough funds in their account to cover the amount or because a stop payment was placed.
Fee$10.00
Fee TypeACH Deposit Item Returned Fee
DescriptionFor each ACH deposit item returned unpaid.
Fee$6.00