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Banking At Your Convenience

  • View Balances and account activity.
  • Monitor our debit card purchases.
  • Transfer money between your accounts.
  • Deposit checks directly from your phone.
  • Send and receive money with family and friends even if they have accounts at other banks.
  • Your account comes with fraud monitoring and around the clock security so your information is safe.


  • Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. Data connection required. Wireless carrier fees may apply. Data rate may apply. Check with your mobile carrier for details. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

One Essential Page You Might Be Forgetting on Your Website – Privacy Policy


Required by Law

If purchasing your product or service requires customers to give you personally identifiable information, you are required to post a Privacy Policy on your website or make one available at your office or storefront. Personally identifiable information is the universal description of any information that can be used to identify, contact or locate an individual. It includes but isn’t limited to the following:

  • Full Names
  • Date of Birth
  • Physical Addresses
  • Any Type of National Identification Number
  • IP Addresses (if tracked)
  • Telephone Number
  • Screen Names or Handles
  • Email Address
  • Credit Card Numbers

Protection From Liability

Small businesses have the most to lose from poor data practices. You can handle data in a way consistent with local laws and your internal policies, but if a customer interprets that as mishandling, you may face liability or at least an expensive and time-consuming
legal battle to fight the claim. A Privacy Policy explains your policies for handling information and distinguishes prohibited actions from allowed ones. Also, if a customer authorizes your procedures by accepting the Privacy Policy, they will not have a cause of action against you. Their acceptance authorizes your data practices and as long as you
continue as you stated in your Privacy Policy, you enjoy legal protection even if a customer suddenly decides they do not approve of how you handle their data.

Drafting Your Privacy Policy

Start with these provisions when drafting your complete Privacy Policy.

  • Information Collected
  • How Information is Collected
  • Information You Share or Disclose
  • How Customers Can Update Information
  • Data Protection Measures
  • Opt-out Procedures
  • Updates and Notification

Drafting Tips

  • Never ask for more information than is necessary. If you do not require a customer’s date of birth to provide services, do not ask for it. The less personal data you collect the less work you need to perform to keep it safe and track it.
  • Write in plain language. Consumers are becoming more savvy about the data they share and how companies use it. Writing a vague or unnecessarily complex Privacy Policy puts them on alert and they will be less likely to do business with you. Use plain language and consider experimenting with other structures, like a FAQ or adding a table of contents.
  • Customize to your business. A fitness studio collects different data than an accounting firm. You can start with a template or a borrowed Privacy Policy, but make it relevant to your business and the information you collect.
  • Implement good information practices. A Privacy Policy gives a solid foundation and strengthens relationships with your customers, but that will mean nothing if you fail to instill the right security and virus protection for your systems. A well-drafted Privacy Policy is a good start to handling your customer’s personal data well and will help you enact better information protection practices.

ES Bancshares, Inc. Reports a 300% Increase in Earnings to $418 Thousand, or $0.10 per Common Share for the Quarter Ended June 30, 2019

ES Bancshares, Inc. and Empire State Bank Appoints Kelly Zhong, Board of Director

Press Release – ES Bancshares, Inc. Reports A 70% Increase In Earnings To $414 Thousand, Or $0.10 Per Common Share For The Quarter Ended March 31, 2019

Press Release – ES Bancshares, Inc. Reports Record Growth for the Year Ended December 31, 2018

Empire State Bank Releases the 2018 Annual Report

Press Release – ES Bancshares Inc., (OTC: ESBS; Newburgh, NY) Closes $1.325 Million Private Offering of Common Stock

The Empire Connection – Winter 2018

Empire State Bank Celebrates Its Grand Opening & Ribbon Cutting at Bensonhurst, Brooklyn

Empire State Bank Celebrates Its Grand Opening & Ribbon Cutting in Bensonhurst, Brooklyn With Lion Dance & Live Performance by Joe Piscopo

Bensonhurst residents have a new community bank to explore. Empire State Bank opened their newest Banking Center in Brooklyn located at 6923 18th Avenue, Brooklyn/NY 11204. Dignitaries, Community Advocates and guests attended the Grand Opening and Ribbon Cutting and had an inside look at the Bank’s design details and see how the new space will bring the Empire experience to Bensonhurst.

Since the soft opening in September, Empire State Bank has been received favorably in the community. More than 100 influential members of the Bensonhurst community gathered at the Grand Opening & Ribbon Cutting Ceremony to mark the momentous occasion. Among those in attendance were Borough President Eric Adams; Congressman Marty Golden; Angelina DaHab Representing Councilman Justin Brannan and Community Advocate, Karlin Chan.

Empire State Bank celebrated with a special opening ceremony followed by the ribbon cutting. To kick off the celebration, the Chinese Lion Dance performed in front of the Bank accompanied by a drum, gong and cymbals. To round out the celebration, the lion dance continued on with a ceremonial blessing throughout the Banking Center where team members fed the Lions red envelopes to bring good luck.

Following the opening performance, dignitaries, local officials as well as guests joined in as the Ribbon Cutting took place. As a commitment to supporting our community, Empire State Bank presented two check donations. The first $1,000 check donation was presented to Katie Wu, President of the Asian Real Estate Association of America Brooklyn Chapter. The second $1,000 check donation was presented to James Orlando, President of the Ben Bay Kiwanis Foundation. The celebration continued with a live performance by Joe Piscopo, Radio Talk Show AM970. Piscopo opened with a Frank Sinatra rendition of the National Anthem followed by a musical performance for the evening.

The newest location introduces a new modern design and service to banking. The modern experience begins before the front doors. A vibrant acrylic wall extends from the right of the building toward the entrance of the Bank. This outdoor space is a key design element which illuminates the ATM and night depository during the evening. Step inside of the 1,500 square foot Bank and you will notice a spacious gathering lounge with a large TV, free Wi-Fi, charging station, coffee, tea and locally baked cookies.

Empire State Bank has re-imagined the future of banking, introducing technology to enhance customer experiences and service. Philip Guarnieri, CEO of Empire State Bank noted that “Empire State Bank is dedicated to the community. While most banks focus on technology and convenience, we believe in implementing technology in combination with personal service to connect with our neighbors and support our community.” The Banking Center is equipped with Pods, which are a combination of counters and Automated Teller Machines in place of teller stations where customers are greeted by a Service Associate to assist with your financial needs all in one place, including; making deposits, opening accounts, enrolling in Mobile and Online Banking. While the spacious Banking Center provides service and all-inclusive personal banking, Empire State Bank has designated Hotels, which are private rooms that provide space where you can get answers to your financial matters. Thomas Sperzel, President and COO commented, “Please visit our new Banking Centers and see a nontraditional way of banking, as we continue to provide exceptional customer service.”

Empire State Bank has been providing customers with the utmost level of service, expertise and technology for your business and personal needs. Esmeralda Xheleshi, AVP/Marketing Director noted that that digital content is “largest platform we’ve added to provide educational resources and highlight how we help the community.”

Empire State Bank provides a complete product line including, Free Checking – for Business and Personal, Free Mobile Banking with Mobile Check Deposit, Online Banking with Bill Pay, 24-hour ATM, Remote Deposit Capture Service, Cash Management, Business Loans, Commercial Real Estate Financing and a Night Depository.

Empire State Bank is a member of the FDIC and is an Equal Housing/Equal Opportunity Lender.