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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 21*

Complimentary Services:

Ø  Debit Card
Ø  Online and Telephone banking
Ø  Mobile Banking
Ø  Electronic Statement Delivery

 

  • Unlimited check writing with no per check charges
  • Rate discount on most installment loans with auto pay from your ESB checking account
  • Web BillPay service available, additional fee may apply

*$7.00 monthly fee if requirement(s) is not met; $50.00 minimum opening deposit

eChecking 

No monthly fee with Electronic Statement Delivery*

Complimentary Services:

Ø  Debit Card

Ø  Online and Telephone banking

Ø  Mobile Banking

Ø  Electronic Statement Delivery  

 

  • No Elmira Savings Bank fee for using foreign ATM's
  • First 10 checks posted against the account each month at no charge, $0.50 per check thereafter 
  • Rate discount on most installment loans with auto pay from your ESB checking account
  • Web BillPay service available, additional fee may apply

*$5.00 monthly fee if requirement(s) is not met; $50.00 minimum opening deposit

New York Basic Banking

$3.00 monthly service fee with no minimum balance requirement*

Complimentary Services:

Ø  Debit Card

Ø  Online and Telephone banking

Ø  Mobile Banking

Ø  Electronic Statement Delivery  

 

  • First 8 debits posted against account each month at no charge, $0.50 per debit thereafter
  • Rate discount on most installment loans with auto pay from your ESB checking account
  • Web BillPay service available, additional fee may apply

*Must be a New York State resident to qualify for this account type; $25.00 minimum opening deposit

Maximizer

No monthly fee with $15,000.00 in aggregate deposits*

Complimentary Services:

Ø  Debit Card

Ø  Online and Telephone banking

Ø  Mobile Banking

Ø  Electronic Statement Delivery  

 

  • Unlimited check writing with no per check charges
  • Earn interest on balances of $5,000.00 & higher
  • No Elmira Savings Bank fee for using non-ESB owned ATM's 
  • Complimentary official checks
  • Bonus rate available on most CD’s & IRA’s with a minimum average checking account balance of $1,000.00
  • One box 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
  • Web BillPay service available, additional fee may apply

*$20.00 monthly fee if requirement is not met; aggregate balance calculation includes checking, savings, CD’s & IRA’s; $50.00 minimum opening deposit

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:

Ø  Debit Card

Ø  Online and Telephone banking

Ø  Web BillPay

Ø  Mobile Banking

Ø  Electronic Statement Delivery  

 

  • 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

*$20.00 monthly fee if requirement is not met; $10,00.00 minimum opening deposit

 

Click here to view our current deposit specials.

Health Savings

Does your employer offer a high deductible health insurance plan? Health Savings accounts are designed to help you save for qualified medical expenses while allowing your current contributions to grow tax-deferred.

Complimentary Services:

Ø  Debit Card

Ø  Online and Telephone banking

Ø  Mobile Banking

Ø  Electronic Statement Delivery  

 

  • Competitive tiered interest rates on balances of $50.00 or more
  • Web BillPay service available, additional fee may apply

*$5.00 Monthly Administration Fee

 

 

For detailed information regarding our products and services, to recieve a copy of the Truth in Savings disclosure for a specific account, or to recieve a copy of our Additional Services Fee Schedule, stop by your local branch office or contact us at (607) 734-3374 or toll free at (888) 372-9299.

 

Elmira Savings Bank • 333 E. Water St., Elmira, NY 14901 • Phone: (607) 734-3374 • (888) 372-9299 •       

© Copyright 2013 Elmira Savings Bank. All Rights Reserved. Member FDIC.