ESB Financial

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	Deposits
	•	Checking Accounts
	•	Savings Accounts
	•	CDs & IRAs
	Loans
	•	Purchase a Vehicle
	•	Purchase a Home
	•	Home Equity Loan
	•	Personal Loans
	Card Services
	•	Credit Card
	•	Debit Card
	•	ATM Card
	Additional Services
	•	Consumer Links
	•	Apply Online

Michael	Carolyn	Brenda	Jamie	Leslie
620-340-9962	620-340-9911	620-340-9915	785-539-3553	620-340-9909
micheall@esbtrust.com	carolynv@esbtrust.com	brendap@esbtrust.com	jamiet@esbtrust.com	leslies@esbtrust.com

Click here to Reorder Checks

CHECKING OPTIONS
Features and Benefits
ESB FREE Checking	Regular Checking	Banque Club	Interest Checking	Spirited 50
$50 Minimum Deposit to Open the account	$100 Minimum Deposit to Open the account	$100 Minimum Deposit to Open the account	$100 Minimum Deposit to Open the account	$100 Minimum Deposit to Open the account
No minimum balance. Unlimited check writing and debit card transactions	No Monthly Fee with $300 minimum balance. Includes 40 free debits per month.	Monthly Fee of $8.00 Includes 40 free debits per month.	No Monthly Fee and Unlimited Check writing with $500 minimum balance.	Unlimited check writing with statement images
First 200 ESB logo checks FREE FREE ATM transactions at all ESB locations ATM or VISA Debit Card available Direct Deposit available FREE 24 -hour phone link FREE Online Banking FREE Unlimited ESB Bill Pay with a minimum of 3 bills per calendar month *Visa Credit Card Check safekeeping	Fees: $7.00 monthly $.25 per debit over 40 ATM Card Visa Debit Card Visa Credit Card Early Closing Fee ** Check Images with end of month bank statement.	Fees: $.25 per debit over 40. ATM Card Visa Debit Card Visa Credit Card $10,000 Accidental Death Insurance No charge for: Travelers Checks Money Orders Notary Service Early Closing Fee ** Check Images with end of month bank statement.	*Earns interest on 100% of the average collected daily balance. Fees: If balance falls below $500: $7.00 monthly $.25 per debit ATM Card Visa Debit Card Visa Credit Card Early Closing Fee *** Check Images with end of month bank statement.	*Earns Interest on 100% of the average collected daily balance with a minimum balance of $1000 Must be 50 years of age or older FREE Christmas Club with auto transfer FREE small 2x5 Safe deposit box (subject to availability) Discount on Consumer Loans with auto transfer First 200 ESB Logo Checks FREE per year FREE Investment Consultation FREE Consultation for Estate Planning Services Special CD rate offer No charge for Notary Service FREE ATM transactions at all ESB locations ATM or Debit Card available Direct Deposit available FREE 24 -hour phone link FREE Online banking FREE Unlimited ESB Bill Pay with a minimum of 3 bills per calendar month *Visa Credit Card Group Travel Check Images with end of month bank statement.

OVERDRAFT PROTECTION OPTIONS
Features and Benefits
Cheque Guard	Savings Transfer
A Line of Credit that advances funds in $100 increments to cover items (checks) that overdraw your account.	Automatic transfer from your savings account in increments of $100 to cover items (checks) that overdraw your account.
$10 fee per transfer (saves the cost of overdraft charges)	$5 fee per transfer (saves the cost of overdraft charges)
Unsecured and subject to qualification	Not subject to qualification
Easy application with approval usually in the same day.	Easy form to request the service

*Visa Credit Card is subject to credit approval.
**ESB Financial uses the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The principal upon which interest will be paid will be the collected balance. The collected balance on any particular day is the ledger balance less any float connected with the current or previous day’s deposits. interest rate is subject to change at the bank's discretion.
***Early closing fee of $25.00 if your account is closed before its 4 month anniversary.

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