Earn higher interest with simple and convenient everyday banking.

e-Advantage Savings & Checking Package

Available for Personal, Business and as an IRS Savings

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*

Certificate of Deposit

Available for Personal, CDs and as IRA CDs

2.75% APY**

$1,000 minimum opening balance

2.75% APY***

$1,000 minimum opening balance

With Empire State Bank you get more:

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.

E-Statements

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.

*Annual Percentage Yield (APY) of 1.25% is effective as of publication date and is offered for Empire State Bank e-Advantage Savings accounts when linked to an Empire State Bank e-Advantage Checking account and must be opened during the promotional period, enroll in Online Banking and e-Statements. The Empire State Bank e- Advantage Savings account requires a minimum of $100.00 to open and a minimum balance of $2,500.00 is required in the Empire State Bank e-Advantage Savings account to earn interest and to obtain the promotional APY. Interest is compounded daily and credited monthly. The Empire State Bank e-Advantage Checking account has no monthly maintenance fee, no minimum balance requirement after $100.00 to open the account. 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. Fees may reduce earnings on the account. The sum of your total deposits with Empire State Bank are insured up to $250,000. Additional coverage may be available depending on how your assets are held. Promotion is subject to change or withdrawn at any time without notice. Deposit products offered by Empire State Bank, Member FDIC.

**Annual Percentage Yield (APY) of 2.75% is effective as of publication date and is offered for certifcate of deposit (CD) and IRA CD accounts with a term of 24 months opened during the promotional period. A minimum opening balance of $1,000 is required to earn interest and to obtain the promotional APY. Fees may reduce earnings on the account. The sum of your total deposits with Empire State Bank are insured up to $250,000. Additional coverage may be available depending on how your assets are held. A penalty may be imposed for early withdrawal of funds. Promotion is subject to change or withdrawn at any time without notice. Deposit products offered by Empire State Bank, Member FDIC.

***Annual Percentage Yield (APY) of 2.25% is effective as of publication date and is offered for certifcate of deposit (CD) and IRA CD accounts with a term of 11 months opened during the promotional period. A minimum opening balance of $1,000 is required to earn interest and to obtain the promotional APY. Fees may reduce earnings on the account. The sum of your total deposits with Empire State Bank are insured up to $250,000. Additional coverage may be available depending on how your assets are held. A penalty may be imposed for early withdrawal of funds. Promotion is subject to change or withdrawn at any time without notice. Deposit products offered by Empire State Bank, Member FDIC.