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It's either the 3rd or the 4th overdraft fee they've waived for me this year, it's been a tough year and I've been check to check. They don't even hassle me about it, the tellers are always friendly and the line always moves quick when I'm in there, and they gave me a very reasonable rate on my used car loan even though my credit is shot. I really do love this Bank.
I have been banking with ESL for about five years. I was very impressed with their customer service at the branch when I opened my account. I opened a checking and savings account and was out the door in under half an hour. After opening my account, I was so pleased with them, that I opened two more savings accounts. I was thrilled with the customer service at the bank branch. The girls are always fast, and very pleasant. It feels more like a small hometown bank than the national banks, but it is still a professional, competent organization. I could not be happier with my experience.…show more
I have had an ESL account for 30+ years and can't imagine moving my accounts anywhere else. The customer service has always been friendly and helpful, willing to go the extra distance to solve a problem, sometimes even if it means staying past closing time. As a credit union, ESL is able to offer services like no minimum balances and unlimited free ATM transactions that many commercial banks don't offer without other requirements.
The only downside is that ESL is local to the Rochester, NY area, so when traveling, one must use non-ESL ATMs and pay the non-account holder fees.…show more
ESL is my current bank and credit union and I really love having them as my bank. They're very helpful, nice, and there are no fees or monthly account requirements in order to have them as your bank. On top of it, if you get a credit card with them, their rates and APR are extremely reasonable and attractive. I believe introductory APR is about 3.99 and at most may go up to something like 14. Compared to any other credit cards, that is incredibly low and reasonable. Any time I've had an issue, I've been able to call or visit a branch and they've helped me with a problem, even if it involves an overdraft fee, which they have removed from my account several times after I explained the situation to them. I'm not looking forward to the day when I have to move out of reasonable driving distance from this Bank and its branches because they are, in my opinion, one of the greatest banks/credit unions you will find.…show more
I opened my first savings and checking accounts with ESL. The process was very easy, the staff was friendly, and all the disclosures were simple to understand. I walked in, and completed the process within 15 minutes. I like ESL because they do not have unnecessary fees like some larger banks, and the minimum balance for a regular checking or savings account is only a $1. Plus, as a credit union, you receive a dividend as well.…show more
A family member got me into ESL Federal Credit Union after I had some serious problems with a few big banks that I had accounts with. Their unnecessary fees, poor customer service and just general issues causing me headaches. I had enough, so I went to a credit union that some family had experience with since I had recently just moved to the area. I was very happy with the service provided by ESL Federal Credit Union and I would definitely recommend them in the future to anyone in the area looking for a quality credit union who look after their members and treat them like real people instead of just account numbers.…show more
I opened up my checking account with ESL 5 years ago after my previous account had a number of fraudulent transactions posted against it and they would not do anything for me except to freeze my account and force me to open a new one, and would be unable to refund any of the money, including fees and fines (I had been a customer with them for 12 years). So after the second time that I was going to have to do this, my friend said they would sponsor me into ESL.
After sitting with the banker at ESL who went over their security policies with me and illustrated what their procedures would be if that happened to me again, I was satisfied. She said that ESL would do the best to recover or reverse any fraudulent transactions and would block any further attempts from them.
In the 5 years, I have been with them I have had only 1 fraudulent transaction with them and they got my money back for me.…show more
I have been banking with ESL for about 8 years. I have many accounts with them, checking, savings, car loan and credit card. I really like that they are fast. Even if there is a line of 20 people, I know I will be in and out in no time. The drive through has 4 lanes so that is fast too. The people that work there are very well informed. I have never had a question that couldn't be answered immediately. The only downfall I feel is that they only reverse an overdraft fee once a lifetime. I have had an account for years and because they reversed my fee when I first got the account, they won’t do it again for me. The other day I overdrafted on accident and I called and got no help. I was polite and the manager on the phone was very short with me. I feel that because I have done right for years I should get a second chance. Other than that though I do love ESL and I do recommend them to my friends and family all the time.…show more
I keep an account at ESL Federal Credit Union in addition to using several other banks (I use separate institutions for business, for paying off loans, and for leisure). My experience with ESL has been nothing but good. Unlike some other places, you actually get a dividend based on your account balance here. It's not a very large percentage, I think my last statement showed an annual yield of about half a percent, but that is free money for nothing. I have never been kept waiting for long when going to make a deposit and very happy with their 24 hour ATM service as well.
Never had a problem so that is why I rate resolution as 3/5, because I have no experience with it.
Would definitely recommend opening an account with ESL, even if you already have accounts elsewhere. You might even like it more and just decide to switch to ESL as your primary.…show more
ESL Federal Credit Union has to be one of the best banks I’ve ever used. When I switched to them from a “big” bank, I was amazed at how much more convenient everything was. Unlike a big for-profit bank, ESL does not try to trick you and charge you ridiculous fees. You can get free checking and savings accounts with no hoops to jump through. ESL understands that I don’t want to pay a big bank monthly fees so that they can use my money. ESL gets its customers. The employees and tellers are all down-to-earth and friendly, and I never have to wait in long lines for service. Additionally, they have branches and ATMs all over the area. I would highly recommend people in the greater Rochester, NY area to check out ESL instead of using a big for-profit bank.…show more