ESL Free Checking

$0 a year for an everyday customer. No monthly fee. $1 to open.

Checked Nov 8, 2026Updated Oct 22, 2026

A year, everyday customer: $0
Monthly fee: Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · esl.org
The source states this figure; we have no exact sentence on file yet.
Open on esl.org Report a problem
To open: Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · esl.org
The source states this figure; we have no exact sentence on file yet.
Open on esl.org Report a problem

Against the market

How it ranks

#251of 1043 checking accounts, by a year’s value for an everyday customer

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Monthly fee: Noneesl.org, checked Nov 8, 2026
Minimum to open: $1esl.org, checked Nov 8, 2026
Overdraft fee: $5esl.org, checked Oct 12, 2026
Returned item (NSF) fee: Noneesl.org, checked Oct 12, 2026
Overdraft transfer fee: $5esl.org, checked Oct 12, 2026
ATM network: ESL owned ATMs; two free non-ESL ATM withdrawals per month with direct deposit into any ESL accountesl.org, checked Nov 8, 2026
Out-of-network ATM fee: $2.50esl.org, checked Oct 12, 2026
Foreign transaction fee (debit card): 1%esl.org, checked Oct 12, 2026
Incoming domestic wire: $15esl.org, checked Oct 12, 2026
Outgoing domestic wire: $25esl.org, checked Oct 12, 2026
Incoming international wire: $15esl.org, checked Oct 12, 2026
Outgoing international wire: $45esl.org, checked Oct 12, 2026
Inactivity fee: $5esl.org, checked Oct 12, 2026
Cashier’s check: $5esl.org, checked Oct 12, 2026
Stop payment: Noneesl.org, checked Oct 12, 2026
Card replacement: Noneesl.org, checked Oct 12, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

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