Elmira Savings & Loan


	Checking Accounts

	Savings/Money Market Accounts

	Certificates of Deposit

	Individual Retirement Accounts (IRAs)

	ES&L Financial Services

Checking Accounts

See Current Rates

Easy and safe money management

When it comes to your everyday finances, simple is better. That's why ES&L provides checking plans that are convenient and easy to manage. Regardless of which account you choose, you'll receive:

	Unlimited check writing

	Easy-to-balance monthly statement

	Return check images for easy record keeping

	Access to FREE Internet Banking

	FDIC insurance, up to allowable limits


	Choose the plan that's right for you�

Product	Minimum to Open	Minimum Balance to Avoid Fees	Monthly Service Fee	Special Features
ES&L Checking	$25.00	$300.00	$0-5.00	Monthly service fee is waived if: You have direct deposit of payroll, pension or Social Security The average daily balance is greater than $300.00
Super NOW Checking	$2,500.00	$1000.00	$0-5.00	Monthly fee applies only if the end of day balance falls below $1000 at any time during the month. Balances below $2,500 do not earn interest. This account is only available for personal, non-profit and government accounts.
PEAK-YOUR-INTEREST Checking	$15,000.00	$15,000.00	$0-25.00	Monthly fee applies only if the end of day balance falls below $15,000 at any time during the month. Balance always earns interest Business funds are not eligible for this account.
Not-for-profit Checking	$2,500.00	$2,500.00	$0-25.00	Monthly fee applies only if the end of day balance falls below $2,500 at any time during the month. Balances below $2,500 do not earn interest.

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