Esl Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $10.8B
Fed district: New York

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Esl Federal Credit Union: $5
Esl Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Esl Federal Credit Union: $10
Esl Federal Credit Union: $10
U.S. median: no median
Non-Network ATM
Esl Federal Credit Union: $2.50
Esl Federal Credit Union: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Esl Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low Balance/Inactivity Fee$5
per month
Research Fee (Minimum per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Overdraft Fee$5
Returned Item Fee$10
CheckOK (Overdraft from Savings)$5

ATM & Card

ATM Withdrawals at Non-ESL ATMs1$2.50
Non-ESL Owned ATMs$2.50
per transaction
Rush Order$15
per item
International Service Assessment1%of the transaction

Wire Transfers

Wire Transfer: Incoming Domestic & Foreign$15

Check Services

Certified Check$5
per item
Money Order (for amounts of $2,000 or less)$0.75
Stop PaymentsNo charge

Digital & Electronic

ESL Online Bill Pay (via ESL Online Banking) (audience not stated, treated as personal)No charge
Zelle®No charge

Account Services

Safe Deposit Box 10” x 10”$120
Safe Deposit Box 3” x 10”$80
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$50
Safe Deposit Box 3” x 6”$50
Safe Deposit Box 4” x 6”$70
Safe Deposit Box 5” x 10”$90
Safe Deposit Box 5” x 11”$90
Safe Deposit Boxes Annual Rental: 2” x 5”$50
per year

Retirement & IRA

IRA Transfer to External Account$25

Other Fees

Overnight Mail Service$6.50
Account Statement CopyNo charge
Copies of Deposited or Cashed Non-ESL ChecksNo charge

Fee	Amount	Basis	Note
Account Maintenance
Low Balance/Inactivity Fee	$5	per month	None
Research Fee (Minimum per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Overdraft Fee	$5	Not stated	None
Returned Item Fee	$10	Not stated	None
CheckOK (Overdraft from Savings)	$5	Not stated	None
ATM & Card
ATM Withdrawals at Non-ESL ATMs1	$2.50	Not stated	None
Non-ESL Owned ATMs	$2.50	per transaction	None
Rush Order	$15	per item	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer: Incoming Domestic & Foreign	$15	Not stated	None
Check Services
Certified Check	$5	per item	None
Money Order (for amounts of $2,000 or less)	$0.75	Not stated	None
Stop Payments	No charge	Not stated	None
Digital & Electronic
ESL Online Bill Pay (via ESL Online Banking) (audience not stated, treated as personal)	No charge	Not stated	None
Zelle®	No charge	Not stated	None
Account Services
Safe Deposit Box 10” x 10”	$120	Not stated	None
Safe Deposit Box 3” x 10”	$80	Not stated	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 3” x 6”	$50	Not stated	None
Safe Deposit Box 4” x 6”	$70	Not stated	None
Safe Deposit Box 5” x 10”	$90	Not stated	None
Safe Deposit Box 5” x 11”	$90	Not stated	None
Safe Deposit Boxes Annual Rental: 2” x 5”	$50	per year	None
Retirement & IRA
IRA Transfer to External Account	$25	Not stated	None
Other Fees
Overnight Mail Service	$6.50	Not stated	None
Account Statement Copy	No charge	Not stated	None
Copies of Deposited or Cashed Non-ESL Checks	No charge	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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