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Business Savings Account Fees

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

Your ESL Business Savings Account includes free access to and use of business online banking to check accounts, transfer money, or manage your personal information. This includes free use of online Bill Pay.

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ATM Fees

Fee Type
Description
Fee
Fee TypeESL Owned ATMs
DescriptionFees for ATM transactions at ESL owned ATMs. These include transactions such as withdrawals, deposits, and balance inquiries.
FeeFree
Fee TypeNon-ESL Owned ATMs
DescriptionFees for ATM withdrawals at non-ESL owned ATMs. You are charged by ESL and potentially the owner of the ATM when you use a non-ESL ATM.
- Choose the cash-back feature at many retail stores when using your ESL Business Visa Check Card and entering your PIN.View debit card information
Fee$1.50
Owner of ATM may also charge a fee.

Fees may change. 

 

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

 

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Visa® Business Debit Card Fees

Fee Type
Description
Fee
Fee TypeAnnual Fee
DescriptionNo annual fee.
FeeNone
Fee TypeReplacement Fee
DescriptionRequest a new card to replace an existing card
FeeFree
Fee TypeRush Order
DescriptionExpedite receiving a replacement card
Fee$15.00
Fee TypeInternational Service Assessment
DescriptionYou make a purchase in a foreign currency (in person or online)
Fee1% of transaction amount

Fees may change. 

 

Stop Payment Fees

Fee Type
Description
Fee
Fee TypeStop Payments
DescriptionTo request the stop payment of a check or ACH from your account that has not been deposited or cashed by the payee.
FeeFree

Fees may change.