Checking Options
Basic Checking
No monthly fee with a minimum daily account balance of $500.00 or if the primary account holder is under the age of 18*
Complimentary Services:
- VISA Debit Card
- Online and Telephone banking
- Web BillPay
- Mobile Banking
- Electronic Statement Delivery
Details:
- Unlimited check writing with no per check charges
- Rate discount on most installment loans with auto pay from your ESB checking account
*$7.00 monthly fee if requirement(s) is not met
eChecking
No monthly fee with Electronic Statement Delivery*
Complimentary Services:
- VISA Debit Card
- Online and Telephone banking
- Web BillPay
- Mobile Banking
Details:
- No Elmira Savings Bank surcharge for using foreign ATM’s
- First 10 checks written per month no charge, $0.50 per check thereafter
- Rate discount on most installment loans with auto pay from your ESB checking account
*If enrollment for eDelivery hasn't been completed within 60 days of account opening, the account will be converted to a Basic Checking
Maximizer
No monthly fee with $15,000.00 in aggregate deposits*
Complimentary Services:
- VISA Debit Card
- Online and Telephone banking
- Web BillPay
- Mobile Banking
- Electronic Statement Delivery
Details:
- Unlimited check writing with no per check charges
- Earn interest on balances of $5,000.00 & higher
- No Elmira Savings Bank surcharge for using foreign ATM’s
- Travelers checks (U.S.), money orders and official checks
- Bonus rate available on most CD’s & IRA’s with a minimum average checking account balance of $1,000.00
- Two boxes of specialty checks annually
- 50% discount on safe deposit box rental
- Rate discount on most installment loans with auto pay from your ESB checking account
*$20.00 monthly fee if requirement is not met; aggregate balance calculation includes checking, savings, CD’s & IRA’s
The ONE Account
"Promotional Rate for the First 90 Days” - $10,000 New Money Requirement
No monthly fee with a $10,000.00 minimum daily balance or a monthly direct deposit*
Complimentary Services:
- VISA Debit Card
- Online and Telephone banking
- Web BillPay
- Mobile Banking
- Electronic Statement Delivery
Details:
- Competitive tiered interest rates on balances of $10,000.00 or more
- Rate discount on most installment loans with auto pay from your ESB checking account
*$10.00 monthly fee if requirement is not met
Click here to view our current deposit specials.
Health Savings
Does your employer offer a high deductible health insurance plan? Let Elmira Savings Bank provide you with a Health Savings account specially designed to help you save for future qualified medical expenses while allowing your current contributions to grow tax-deferred. Contributions can be directly deposited by both employers & employees. Also, if you leave your employer, change health insurance plans, become unemployed or move to another state, you can keep the same account without the worry of losing your money.
Complimentary Services:
- VISA Debit Card
- Online and Telephone banking
- Web BillPay
- Mobile Banking
- Electronic Statement Delivery
Details:
- Competitive tiered interest rates on balances of $50.00 or more
*$5.00 Monthly Administration Fee