APY
0.05%
As of Nov 8, 2026. Rates are variable.
ESL · Checking account
ESL Premier Checking
$1 a year for an everyday customer. $10 a month. $1 to open.
- A year, everyday customer
- $1
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer document · esl.org · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Oct 12, 2026
Issuer document · esl.org · PDF
The source states this figure; we have no exact sentence on file yet.
- 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.
Against the market
How it ranks
#44of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Cash deposit ATM
- Check writing
- Debit card
- Free checks
- Interest bearing
- Mobile check deposit
- Online opening
- Overdraft protection transfer
- Spending alerts
- Zelle
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
Terms
Rate conditions
Fees
- Monthly fee
- $10 a monthesl.org, checked Oct 12, 2026
- Ways to avoid the monthly fee
- $1,000 average monthly balanceesl.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; up to five free ATM withdrawals per month at non-ESL ATMsesl.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
Who can open it
- Membership
- Membership required:esl.org, checked Nov 8, 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