Debit Card

• Transactions automatically deducted from the ESL Checking account associated with your card
• Safer than carrying cash
• Visa Zero Liability Policy² provides outstanding protection if your card is lost or stolen
• Make up to six free deposits per day at any ESL ATM
• Unlimited transfers and inquiries at any ATM, free from ESL fees (the owner of a non-ESL ATM could still charge a fee)
• Discounts on purchases when you use your ESL Visa Debit Card
• Add your ESL Visa® Debit Card to your digital wallet and conveniently make purchases at thousands of stores and participating apps

Protect your card with these tools (and more) which are available in the debit card management feature in ESL Mobile or Online Banking:

• Activate your debit, ATM, or HSA card
• Set or change the PIN for your debit card as well as ATM and HSA cards
• Lock and unlock a card for purchases
• Set card controls and corresponding email or text¹ alerts by transactions, merchants, spending limit, or locations
• Report your card as lost or stolen

To be eligible for a card, you must be at least age 16 and have an ESL Free Checking or ESL Premier Checking Account. Once you have your card, you can:

• Access up to $1,000 per day per card with ATM withdrawals and PIN purchases
• Make daily purchases up to $5,000 with your signature
• Simply choose “debit” or “credit” when making a purchase (either way the money comes out of your checking account)
• PIN is required for debit purchases, but it is not required for credit purchases

You can conveniently activate your card, set up your PIN, or change your PIN, right in mobile or online banking. You may also call 844.433.1140. If you are hearing impaired, please contact an ESL representative for further assistance with setting or changing your ESL ATM or Visa Debit Card PIN. Our TTY number is 585.336.1399. If you know your PIN, you may activate your card at any ESL ATM. Just perform an ATM transaction that requires entry of your PIN (balance inquiry, deposit, withdrawal, or transfer).

Connect with an ESL representative so we can help.

You can also request your card online. Just follow these simple steps:

• Sign in to online banking
• Click I’d Like To tab
• Choose Request an ATM/Debit Card
• Follow the instructions to complete your request

Outstanding money management convenience ... worldwide Visa acceptance ... plus award-winning ESL service. 

Find out why the ESL Visa Debit Card is another example of how we answer to you.

To report a discrepancy with a transaction performed with your ESL Visa Debit Card, you may:

1. Complete the appropriate form and bring to an ESL branch, fax to 585.336.1010, or send via email to eftdisputes@esl.org:
   • ATM Transaction Dispute Form (for ATM transactions done with your ESL ATM or Visa Debit Card)
   • Visa® Debit Card Purchase Transaction Dispute Form (for point-of-sale transactions done with your ESL Visa Debit Card)
2. Connect with us so we can help.

Your card should be blocked as soon as possible when:

• Your card is lost or stolen.
• A transaction was performed using your card number (and your card was not out of your possession).
• A merchant continues to charge you for a recurring payment that you canceled.
• You authorized one transaction for a merchant, and the merchant charged you for a second transaction you did not perform or authorize.

To request a card block, please:

• Connect with an ESL representative so we can help.