Empire State Bank offers a variety of account options for your checking needs.
You can choose from our Better than Free Checking, our VIP Interest Checking Plus for added benefits or our Money Market account for greater earnings.
| Account Type | Opening Deposit | Monthly Service Charge | #Transactions Per Month | Visa Debit Card | Interest Bearing |
|---|---|---|---|---|---|
| Free Personal Checking | $25.00 | None | Unlimited | Yes | No |
| VIP Interest Checking | $100.00 | None when minimum balances are maintained | Unlimited | Yes | Yes, with tiered rates |
| Money Market | $2500.00 | None when minimum balances are maintained | 6 checks or third party debits | Yes | Yes, with tiered rates |
Free Personal Checking
- No minimum balance required
- No monthly maintenance fee
- No Direct Deposit required
- Unlimited check writing
- Free 24 x 7 Online/Telephone Banking
- Free Visa Debit Card
- No fee by ESB for using another bank’s ATM
VIP Interest Checking
- Minimum daily balance of $1,000 in the VIP Interest Checking or $3,000 in combined daily balances in eligible savings or money market accounts to avoid $10 monthly service charge.
- Unlimited check writing
- Free member checks (or $5.00 credit on any style)
- Free issued Travelers Checks
- Free Counter/Cashier Checks
- Free 24 x 7 Online/Telephone Banking
- Free Visa Debit Card
- No fee by ESB for using another bank’s ATM
- Tiered rates of interest
- Interest compounded daily and credited monthly
Money Market
- Minimum daily balance of $2,500 to avoid $15.00 monthly service charge
- Monthly Statements
- Limit third party transactions or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer or telephone to six per month, no more than six of which may be check, draft, or debit card.
- Unlimited number of withdrawals in person, by mail or by ATM are allowed
- Free Visa Debit Card
- No fee by ESB for using another bank’s ATM
- No minimum transaction amount
- Tiered rates of interest
- Interest is compounded daily and credited monthly
