FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Empire Builder Savings

  • Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge
  • Monthly statements
  • Free Visa Debit Card
  • No Fee by ESB for using another bank’s ATM
  • Tiered rates
  • Interest is compounded daily and credit monthly

Statement Savings

  • Minimum daily balance of $500 required to avoid $5.00 monthly service charge
  • Monthly statements
  • Free Visa Debit Card
  • No Fee by ESB for using another bank’s ATM
  • Tiered rates
  • Interest is compounded daily and credit monthly

Minor Statement Saving

  • No minimum balance and No monthly fee
  • Only $10 to open
  • Monthly statements
  • Tiered rates of interest
  • Interest is compounded daily and credited monthly

Money Market

  • Minimum daily balance of $2,500 to avoid $15.00 monthly service charge
  • Monthly Statements
  • Free Visa Debit Card
  • No minimum transaction amount
  • Tiered rates of interest (Interest is compounded daily and credited monthly.)

Personal Savings Comparison

Account Type

Opening Deposit

Monthly Service Charge

Visa Debit Card

Interest
Bearing

Empire Builder Savings

$5,000.00

None when $5,000 daily balance is maintained

Yes

Yes, with tiered rates

Statement Savings

$100.00

None when $500 daily balance is maintained

Yes

Yes, with tiered rates

Minor Statement Savings

$10.00

None

No

Yes, with tiered rates

Money Market

$2,500.00

None when $2,500 daily balance is maintained

Yes

Yes, with tiered rates

If you’d like to learn more, please call Empire State Bank at 866-646-0003. Or, simply speak with an Empire State Representative at Banking Center near you.