At ESSA Bank & Trust, we want to keep our valued customers informed. On this page you will find late-breaking news related to COVID-19 and its impact on you, your business, and your valued relationship to us.

Hours of Operation

All ESSA branch locations will operate under new hours beginning Monday, April 6, 2020 until further notice. These limitations are intended to protect the health and well-being of our customers and our employees. All branches are closed Saturday-Sunday.

    • ESSA drive-up facility hours of operation will remain Monday through Friday 10AM to 4PM.
    • Those locations without drive-up services will be available by pre-scheduled appointment Monday, Wednesday, and Friday from 10AM-1PM and be closed on Tuesday, Thursday, Saturday, and Sunday.
    • Our Devon branch location will be closed. The closest branch location will be our Haverford branch located at 354 West Lancaster Ave.
  1. The following branches have both drive-up access as well as hours by appointment:

    • 11 N Main St, Alburtis, PA 18011
    • 249 Rt 940, Blakeslee, PA 18610
    • 1881 Rt 209, Brodheadsville, PA 18322
    • 975 Rt 390, Cresco, PA 18326
    • 75 Washington St, E Stroudsburg, PA 18301
    • 5120 Milford Road, E Stroudsburg, PA 18302
    • 2415 Park Ave, Easton, PA 18045
    • 354 W Lancaster Ave, Haverford, PA 19041
    • 48 W Marshall Rd, Lansdowne, PA 19050
    • 6302 Rt 309, New Tripoli, PA 18066
    • 744 Main St, Stroudsburg, PA 18360
    • 2826 Rt 611, Tannersville, PA 18372
    • 8045 W Chester Pike, Upper Darby, PA 19082
    • 1430 Jacobsburg Rd, Wind Gap, PA 18091


    The following branches are by-appointment (no drive-up is available):

    • 600 Hamilton St, Allentown, PA 18101
    • 358 S Walnut St, Bath, PA 18014
    • 418 W Broad St, Bethlehem, PA 18018
    • 76 S Main St, Nazareth, PA 18064
    • 300 Mulberry St, Suite 100, Scranton, PA 18503
    • 1065 Highway 315, Wilkes Barre, PA 18702


    See our Locations page for local phone numbers and directions.

  2. Please call ahead for any of the following services:

    • CD maturity/term changes/closeouts
    • Opening or closing an account
    • Signature Guarantee (need a manager to perform)
    • Change orders
    • Change of signers for business accounts
    • Notification of fraud


    Pre-scheduled appointments are for services that cannot be conducted using drive-up service, online banking, mobile banking, ATM, remote deposit or night deposit. If you have questions, please call (855) 713-8001 or contact your branch to schedule an appointment.

    We strongly encourage you to use ESSA Bank & Trust’s digital banking solutions for 24/7 self-service account access. Our digital banking solutions provide access to your accounts utilizing our ESSA Mobile app or online banking. Either solution provides you the ability to view transactions, check balances, transfer funds, deposit checks (available through the mobile app), schedule payments and so much more. To learn more about our online & mobile banking solutions, please visit:

  3. Please call your either your local branch, (570) 421-0531, or (855) 713-8007 (toll free).

Emergency Relief for Businesses:
Paycheck Protection Program (PPP)

Please note: Additional guidance is imminent. The SBA will shortly provide additional guidance in the form of an interim rule that will, among other things, make clear:

* Exactly what a borrow must attest to

* What the banker responsibilities are for verification

* Acceptable forms of borrower signatures, e.g. electronic, Docusign, scanned copies, etc.

The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law on March 27, 2020 to provide emergency relief for small- to medium-sized businesses disrupted by COVID-19. Within CARES is the Paycheck Protection Program (PPP).

  1. The PPP is a federal loan program aimed at helping small businesses impacted by COVID-19 retain their workforce. The loan is an extension of the Small Business Administration (SBA) 7(a) loan program.

  2. The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor ESSA Bank & Trust will charge small businesses any fees.

    Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.

    This loan has a maturity of 2 years and an interest rate of 1.0%.

  3. This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by coronavirus/COVID-19.

    Businesses in certain industries may have more than 500 employees if they meet the SBA’s size standards for those industries.

    Small businesses in the hospitality and food industry with more than one location could also be eligible at the store and location level if the store employs less than 500 workers. This means each store location could be eligible.

  4. The maximum loan amount is $10MM and it is calculated as follows:

    Loan Amount = Applicant’s average eligible monthly payroll expense x 2.5

    Eligible payroll includes salaries, wages and cash tips (up to an annualized level of $100,000 for an individual employee). Eligible payroll also includes employee group health care benefits, insurance premiums and retirement contributions.

  5. Businesses can apply through ESSA Bank & Trust. You may access the application form here. Gather your payroll data and fill out the application form. At this time, we are waiting for further guidance from the SBA regarding the processing of these loans. Please contact your Relationship Manager with any questions you may have.

  6. SBA guidelines state that small businesses and sole proprietorships can start applying on April 3, 2020. Independent contractors and self-employed individuals can start applying on April 10, 2020. We encourage you to apply as quickly as you can because there is a funding cap.

  7. The program is administered by SBA lenders and runs through June 30, 2020 contingent upon the availability of program funds.

  8. If you are a current ESSA customer, please reach out to your Relationship Manager. If you are not an ESSA customer, please visit the SBA's Paycheck Protection Program (PPP) page.