Checking Account Comparison

	Basic	eChecking	NY Basic Banking	Maximizer	The ONE Account
Free Mobile Banking
Free Online Banking
Free Electronic Delivery of Account Statement(s)		1	1
Free Web Bill Pay
Free VISA Debit Card
Consumer Loan Rate Discounts	2	2	2	2	2
Minimum Opening Deposit
Earns Interest					3
Minimum Monthly Aggregate Balance to Avoid Fee
Minimum Monthly Balance to Avoid Fee	4				5
Rate Bonus on Deposit Products				6
Free Checks (Style/Quantities Limited)
Limited Number of Checks/Debits Allowed

1Electronic Statement Delivery required within 30 days of account opening 
2Rate discount on most consumer loans with auto-transfer from your ESB checking account
3Tiered interest rates 
4Monthly service fee waived under age 18 
5Monthly service fee waived with Direct Deposit  
6Deposit rate bonus may be available on CD's and IRA's with a minimum average checking account balance of $1,000.00