Earn higher

interest with simple and convenient everyday banking.

Earn 1.25% APY*

with the Empire State Bank e-Advantage Savings account when you have an e-Advantage Checking account with e-Statements and Online Banking. There is zero balance requirements and zero monthly account fees, plus you can use any ATM nationwide fee-FREE*

Get more from your bank. With Empire State Bank you get:

No Monthly Service Fees

There are no monthly fees or minimum balance fees so you don’t pay to access your own money. Open an account with as little as $100.

Fee-free ATMs

You can use your Empire State Bank VISA debit card to withdraw from your checking account at any ATM and we’ll cover the fee — up to $18 per month when you enroll in e-statements*

Online & Mobile Banking

Save time and manage your accounts 24/7. You can view balances, deposit checks, view account activity, print statements, transfer funds and send money to family or friends.

Free Checks

Enjoy unlimited check writing personalized for your business or personal use.


View, download or print your account activity.

Night Depository

Provides you with convenience 24/7.

We're Here To Help

Our dedicated financial specialists are by your side when you need them.

Community Banking Centers

Visit a local Empire State Bank location near you.

Your Funds Are Safe

Your account is protected with FDIC insurance.

*Get automatic ATM surcharge rebates for ATM fees other banks charge you when you meet your minimum Free Checking requirements. Empire State Bank does not charge a fee for using a non-Empire State Bank ATM. Empire State Bank will rebate ATM fees up to $18 monthly in other bank domestic ATM Surcharge Fees which will be credited at the end of each statement cycle. ATM surcharge rebates apply to cash withdrawals from a Checking account using the Empire State Bank issued Debit Card wherever it is accepted.​