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Savings Accounts

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
SAVINGS OPTIONS
Features and Benefits
Regular Savings Astro Savers Christmas Club Money Market
$50 Minimum Deposit
to open

No Monthly Fee with
$50 minimum balance:

Less than $50-$1.00 per
month

$1.00 per withdrawal
over 3 per month.

Interest compounds
Quarterly*

Early Closing Fee**

No Minimum Deposit to
Open

Available to children
under age 18

No Monthly Service
Charge

3 debits per month free,
$1.00 over 3

Official certificate
and coin books

Receive birthday card
and gift

Quarterly drawing from
Astro Saver's Club
roster. Lucky winner
will have a star named
for them by the
International Star
Registry.

Interest compounds
quarterly*

Early Closing Fee**

$50 Minimum Deposit
to open

Save automatically for
Christmas with ESB's
automatic transfer
Weekly, Bi-Weekly, and
Monthly transfers
available

Earns Regular Savings
Rates*

Accrued interest is
forfeited when account
closes prematurely

Early Closing Fee**

$1000 Minimum
Deposit to open

No Monthly fee with $1000
Minimum Balance

Less than $1000-$5.00
per month

6 withdrawals per
month, 3 may be a
check. Over 6, $1.00 per
debit

Automated transfers or
payments are limited
to the above referenced
6 withdrawals.

Interest is compounded
monthly*

Available to all
individuals and business
firms, including
corporations.

No Maturity Date
No Early Withdrawal
Penalty

Early Closing Fee**

*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.

**Early closing fee of $25.00 if your account is closed before its 4 month anniversary.

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Emporia State Bank and Trust Company