Personal Checking and Money Market

Empire State Bank offers a variety of account options for your checking needs.
You can choose from our Better than Free Checking, our VIP Interest Checking Plus for added benefits or our Money Market account for greater earnings.

Account TypeOpening DepositMonthly Service Charge#Transactions Per MonthVisa Debit CardInterest Bearing
Free Personal Checking$25.00NoneUnlimitedYesNo
VIP Interest Checking $100.00None when minimum
balances are maintained
UnlimitedYesYes, with tiered rates
Money Market$2500.00None when minimum
balances are maintained
6 checks or
third party debits
YesYes, with tiered rates

 Free Personal Checking

  • No minimum balance required
  • No monthly maintenance fee
  • No Direct Deposit required
  • Unlimited check writing
  • Free 24 x 7 Online/Telephone Banking
  • Free Visa Debit Card
  • No fee by ESB for using another bank’s ATM

VIP Interest Checking

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  • Minimum daily balance of $1,000 in the VIP Interest Checking or $3,000 in combined daily balances in eligible savings or money market accounts to avoid $10 monthly service charge.
  • Unlimited check writing
  • Free member checks (or $5.00 credit on any style)
  • Free issued Travelers Checks
  • Free Counter/Cashier Checks
  • Free 24 x 7 Online/Telephone Banking
  • Free Visa Debit Card
  • No fee by ESB for using another bank’s ATM
  • Tiered rates of interest
  • Interest compounded daily and credited monthly

Money Market

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  • Minimum daily balance of $2,500 to avoid $15.00 monthly service charge
  • Monthly Statements
  • Limit third party transactions or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer or telephone to six per month, no more than six of which may be check, draft, or debit card. 
  • Unlimited number of withdrawals in person, by mail or by ATM are allowed
  • Free Visa Debit Card
  • No fee by ESB for using another bank’s ATM
  • No minimum transaction amount
  • Tiered rates of interest
  • Interest is compounded daily and credited monthly