ESB Bank

Deposit Products - Commercial Deposits

ACCOUNT AVAILABLE TO BENEFITS

Small Business
Learn More >> Business Clients No minimum balance
Designed for businesses with limited monthly checking activity.

Business Elite
Learn More >> Business Clients No monthly maintenance fee when average balance requirement is met.
Designed for businesses with moderate monthly checking activity.

Analysis
Learn More >> Business Clients Earnings credit can offset monthly fees.
Designed for businesses with high monthly checking activity.

Non-Profit/Sole Proprietorship
Learn More >> Community Organizations
Civic Groups
Sole Proprietorships No monthly maintenance fee when monthly average balance requirement is met.
Account can earn interest.

Commercial Money Market
Learn More >> Business Clients Competitive tiered interest rates – the higher your balance, the more you earn.
Limited check writing
No monthly maintenance fee when monthly average balance requirement is met.

SMALL BUSINESS CHECKING

ESB Bank’s Small Business Checking is ideal for sole proprietors and small businesses. This account will meet your check writing needs and will allow you to make deposits at any of our 23 branch offices. The Financial Services Manager at your local branch will be able to help you decide if the Small Business Checking Account is right for your business.

Features/Benefits

No minimum balance requirement
No monthly maintenance fee
200 free combined items per month
ESB Bank Visa Check Card
Overdraft protection – subject to approval
Free internet banking through ESB Business Internet Banking
Free bill pay service through ESB Business Internet Banking
Free employee payroll direct deposit program
Remote deposit available

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BUSINESS ELITE CHECKING

ESB Bank’s Business Elite Checking is ideal for businesses that have low to moderate monthly checking activity. This account has a monthly maintenance fee that can be eliminated by maintaining the required minimum balance. The Financial Services Manager at your local branch will be able to help you decide if Business Elite Checking is right for your business.

Features/Benefits

Monthly maintenance fee eliminated by maintaining a minimum balance of $5,000
400 free combined items per month
ESB Bank Visa Check Card
Overdraft protection – subject to approval
Free internet banking through ESB Business Internet Banking
Free bill pay service through ESB Business Internet Banking
Free employee payroll direct deposit program
Remote deposit available

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ANALYSIS BUSINESS CHECKING

ESB Bank’s Analysis Business Checking account works well for businesses with moderate to high monthly checking activity. This account has the added advantage of crediting your account with a monthly earnings credit allowance that is used to reduce or eliminate service charges. The Financial Services Manager at your local branch will be able to help you decide if Analysis Business Checking is right for your business.

Features/Benefits

Earnings credit allows you to reduce or eliminate monthly service fees.
Unlimited check writing
ESB Bank Visa Check Card
Overdraft protection – subject to approval
Free internet banking through ESB Business Internet Banking
Free bill pay service through ESB Business Internet Banking
Free employee payroll direct deposit program
Remote deposit available

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NON-PROFIT/SOLE PROPRIETORSHIP

ESB Bank’s Non-profit/Sole Proprietorship checking account is available to community organizations and sole proprietors. This account allows you to effectively manage your checking needs and possibly earn interest on your deposits. The Financial Services Manager at your local branch will be able to help you decide if the Non-Profit/Sole Proprietorship account is right for your organization or business.

Features/Benefits

Minimum balance requirement to avoid monthly service fee
Competitive interest rates
Unlimited check writing

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COMMERCIAL MONEY MARKET

ESB Bank offers a Commercial Money Market account that provides a safe and secure savings option with a competitive rate of return, without sacrificing the liquidity needed to compete in the marketplace. This account offers interest rate tiers, so the higher your balance, the more you earn. The Financial Services Manager at your local branch will be able to help you decide if the Small Business Checking Account is right for your business.

Features/Benefits

Competitive tiered interest rates
Limited check writing
Unlimited deposits can be made in person, by mail or by ATM
Up to six pre-authorized transfers each month; up to three may be checks.
Low balance requirement makes it easier to avoid monthly maintenance fee.

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