Answers to All of Your Personal Banking Questions

If you have questions about how your personal checking or savings accounts are being converted, we’re here to help ensure a smooth transition. Starting November 10, you’ll begin using our new online and mobile banking system, goVivo®. Be sure to download the goVivo® app from the App Store or Google Play and follow the setup instructions to access your accounts seamlessly.

Female writing a check

Personal Checking Accounts

Each ESSA Bank personal checking account offers these great benefits:

 

  • Personal Online and Mobile Banking – Real-time access to your accounts within goVivo®, plus convenient, time-saving services like eStatements, Bill Pay, Mobile Deposit, Zelle® and our personal budgeting tool
  • Visa® Debit Card – Make purchases online or in stores wherever Visa is accepted plus make withdrawals at over 25,000 MoneyPass ATMs
  • Combined statement – One statement that provides details of all checking and savings accounts, plus snapshot balances of your IRAs, Certificates of Deposit and loans
  • ServiceCall – 24/7 automated access to your accounts by phone

Personal Checking Account Features:

Account Special Features (in addition to those listed above)
Free Checking
No hassle, no pain, standard free checking.
  • No minimum balance fee and no monthly service charge
  • Unlimited check writing and withdrawals
  • No ESSA fees on foreign ATM withdrawals for customers age 14-24
WOW Checking
Earn premium interest and free ATM withdrawals anywhere in the U.S. upon qualification.
  • No minimum balance fee and no monthly service charge
  • Unlimited check writing and withdrawals

Qualify with three simple steps each calendar month*:

  1. Twelve (12) Visa debit card purchase transactions must post to your account
  2. Have one Direct Deposit or ACH payment
  3. Enroll for and receive eStatements within goVivo

*Monthly qualification period ends the last business day of the month

Interest Checking/
Employee Interest Checking
Earn interest on your money while still having easy access to your funds for daily transactions.
  • Earn interest
  • No monthly service charge when ONE of the following is achieved each month:
    – Minimum $500 daily balance
    – Age 50 or over
    – One direct deposit
  • Otherwise, a $6 monthly service charge applies
Stress Less Account
Peace of mind with no overdraft fees, and the convenience of easy account access with checkless banking.
  • No overdraft fees, dormancy fees or early closure fees
  • Checkless banking
  • No minimum balance
  • Option to open savings account
  • Low monthly service charge
  • Free eStatements; $2/month fee for paper statements
At Ease Checking
Premium interest and special services, exclusively for veterans, active service members, and their families.
  • No minimum balance fee and no monthly service charge
  • Receive a monthly statement – no international mail fee
  • International transaction and Out-of-Network ATM fees waived
  • Special “At Ease” debit card available
  • Unlimited check writing and withdrawals

Your new debit card works hard for you

  • Get cash from ATMs around the world
  • Make purchases directly from your checking account anywhere Visa® debit cards are accepted
  • Automatically debits your account for the amount of your purchase as if you’ve written a check
  • See details of your transactions on your checking account statement or through Online Banking
  • Eliminate the hassle of check writing and the risk of carrying cash


NEW: MoneyPass ATM network at your service

You’ll now have surcharge-free access to over 25,000 ATMs nationwide through the MoneyPass network. Plus, of course, you’ll have free access to any ESSA Bank ATM as well as any in our family of banks – CNB Bank, BankOnBuffalo, ERIEBANK, Ridge View Bank and FCBank.

Personal Savings Accounts

Account Special Features (in addition to those listed above)
Personal Savings
A convenient, easily accessible savings tool.
  • $5 monthly service charge if minimum balance of $100 is not maintained
  • Record-keeping convenience of a monthly statement
  • Free eStatements; $2/month fee for paper statements
Kids Savings
It’s never too early for kids to learn how to save their money.
  • Available for kids up to age 10
  • $10 minimum deposit to open account
  • No monthly service charge
  • Balance achievements awarded with prizes
  • Earn interest on all balances
  • Monthly statements
EZ Savings
Offers both the security of saving and the convenience of easy access to funds.
  • Great starter account for customers age 11-24
  • No minimum balance to open
  • No monthly service charge
  • Minimum balance to earn interest is $50
  • Monthly statements
Money Market Savings
Earn more than a regular savings account with higher balances.
  • Competitive tiered interest rates
  • Interest compounded and credited monthly
  • Access to funds with personal checks
Certificates of Deposit (CDs) and IRA CDs*
Lock in a higher rate of interest on your savings for a pre-selected term.
  • Open with $500 or more
  • Choose from terms of 1 month to 7 years
  • Earn a higher rate of interest on your savings

*If you have a current ESSA Bank CD or IRA CD, your CD will continue to pay the same rate and have the same term until that CD’s maturity date. Before that maturity date, you will receive a communication with renewal options.

IRA Savings
A simple, sure way to grow your retirement savings over time.
  • $100 minimum deposit to open
  • Make deposits at your own pace (subject to annual contribution limits)
  • IRA holders age 50 or over are eligible for catch-up contributions

goVivo® Mobile Banking

GoVivo offers access to your ESSA Bank information from your mobile device. It’s free and easy to enroll with ESSA Bank Online Banking.

With the goVivo banking app you can:

  • View your ESSA Bank accounts and balance information
  • Review detailed account activity
  • Transfer funds between your ESSA Bank accounts
  • Turn your debit card on and off if you misplace it to prevent fraudulent activity
  • Update your address, phone number and email address

You may enroll by downloading the new goVivo app at the Apple App store® or Google Play™ store on or after November 10.

 

Personal Online Banking

  • Obtain real-time access to your ESSA Bank account
  • Works anywhere you have Internet access – your home or office
  • Access is provided to you FREE with any ESSA Bank account
  • View images of checks
  • Transfer funds between accounts, pay bills and more
  • 24/7 support

IMPORTANT: Current Personal Online Bill Pay Users

Your current payee information will transfer automatically.

  • Pay multiple bills on a single page
  • Bill Pay recurring payments and payees you have set up will still be available
  • Select the date you wish your payment to be delivered or received. You’ll see both the “send on” and the “deliver on” dates when you schedule payments

NOTE: You will not be able to schedule new payments as of 3:00pm, Thursday, November 6.

IMPORTANT: Current Personal Online Banking Users

  • Log in at ESSABank.com any time on or after November 10
  • Use your existing User ID
  • You’ll need to set up a Password if you have not preregistered. Enter the last 4 digits of your Social Security Number and your 5-digit zip code (no spaces). Then follow the prompts to change your password.
  • Up to 13 months of statement history will be available. You may want to print or download any further history prior to Friday, November 7, if desired
  • If you currently pay bills online, your payees and bill pay history will transfer automatically
  • Upon verification, you will have immediate access capabilities

Mobile Deposit

Enroll in mobile deposit to make deposits to your ESSA Bank accounts from your smartphone or tablet 24 hours a day, 7 days a week.


IMPORTANT: Current Mobile Banking Users

Download the goVivo app at the Apple App store or Google Play store. Delete your existing app on or after Friday, November 7.

We’re here for you through the transition.

If you have questions or need assistance, you can:

  • Contact your local banking office
  • Call us at 844-300-0777, Monday – Friday, 7:00am-7:00pm and Saturday, 8:00am-3:00pm
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