FAQs

Frequently Asked Questions

Here we have compiled answers to our customers’ most asked questions for your convenience.

If you don’t find your question below, please don’t hesitate, give us a call.

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What are chip cards?

A chip card – also called a smart card or an EMV card – is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard, and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting.  The EMV technology has been adopted by the other major card brands and issuers.

Is a chip card more secure than magnetic stripe cards?

Yes.  Chip cards add an additional layer of security to the safeguards that already protect cards.  Each time a cardholder uses their chip card it generates a code that is unique to that transaction.  This makes it harder to counterfeit a card or to use it fraudulently for in-store purchases.

What information is on the chip?

The chip contains information about a cardholder’s account and the card expiration date.  It also generates a unique code for every transaction when used with a chip-enabled terminal at the point-of-sale.

Can a chip card be used anywhere?

Yes.  Chip cards can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. ESSA Bank & Trust may have some locations disabled due to high fraud in those areas.  If a merchant has a chip-enabled card terminal, cardholders will insert their card during the transaction.  In the U.S., cardholders will still be able to “swipe” their card to make a payment if a merchant has a regular terminal.  They will need a PIN to be able to make a transaction at an ATM.

How do cardholders use a chip card?

Start the payment process by swiping your card.  If the merchant’s terminal is chip-enabled, you will be prompted to insert your card.

  1. Insert the card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. You need to be sure to remove your card and take your receipt when the transaction is complete.

If the terminal is not chip-enabled, the transaction will process as it normally does from the initial swipe.

What if a merchant doesn't have a chip-enabled terminal?

For merchants without chip-enabled terminals, cardholders will “swipe” their card through the terminal, just as is done today.

Can a chip card be used to make purchases online or by phone?

Yes.  There is no change to that process.  Chip cards can be used to make these purchases the same way as is done today.

Can chip cards be used at an ATM?

Yes.  For ATM transactions, cardholders will insert their card into the terminal and follow the instructions on the screen.  Depending on the type of ATM, they might be prompted to re-insert their card.  They will leave the card in the ATM until the transaction is complete and the card is released.  Then they will remove their card and any money they might have withdrawn.

What is the difference between chip and signature and chip and PIN?

You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card.  You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks.  Please note that some merchants are now requiring you to use your PIN for debit card transactions (previously you could select “credit” to sign instead).  This change will also impact your HSA card (if you have one).  This is why it is important to select and remember your PIN.

When I used my chip card at an ATM, I was asked to select between "Debit" and "Visa Debit" [or "MasterCard" and "Maestro"]. Which one should I choose?

It is fine to select either one – your transaction will work either way.

What if my card is lost or stolen?

It’s important to report a lost or stolen card immediately.  Keep a record of the telephone number on the back of your card and call it if necessary.

Can I use my chip card with Apple Pay™?

Sorry, we do not participate in this method of payment.

Will chip cards prevent data breaches?

While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Can someone steal the information in my chip card remotely using radio waves or a "contactless reader"?

No. Your chip card must be inserted into a POS terminal or ATM to read the chip.  Your chip card has to be within two inches of a contactless reader in order to activate.  The information that can be read is limited and not sufficient to make a fraudulent card.

How can I get "cashback" when using my debit card?

Some merchants that allowed cashback (e.g. supermarkets) had to disable this feature when they started accepting EMV chip cards.  We expect that they will allow this feature within the next several months.  Be sure to let the merchant know that you would like the option to get cashback.

What are the benefits of using a contactless card?

You are in control because your contactless-enabled card never leaves your hand at checkout.  It’s also fast and ideal at places where speed is essential, like stadiums, fast food restaurants, gas stations, and more.

How do I pay with my contactless card?

To make a purchase, simply tap your contactless card on the payment reader at the checkout.  You may be prompted to enter your ‘PIN’ or to select ‘Credit’.  You may not have to do either and just tap and go.

How do contactless cards work?

Contactless cards have a chip inside them that emits radio waves. An antenna is built into the plastic to secure the connection with a contactless reader. This is known as radio frequency identification (RFID) technology.

To pay for something with a contactless card, you hold the card near a payment terminal (known as an RFID reader) and it picks up the signal, communicates with the card and processes the payment.

The payment terminal will say if the payment was successful or not. Sometimes it doesn’t work, and you’ll need to use your pin instead. An example of this could be gas stations pay at the pump. If it doesn’t take your contactless payment, please use your card as a chip-enabled card and if that option is not available, then swipe your card.

How close does the "tap" have to be to the checkout reader?

Typically, when you tap your card/device at checkout, it must be within an inch or two of the contactless symbol on the terminal at the counter.  Please note that if you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader.

Am I eligible to receive a stimulus payment, and how much will I get?

Individuals earning $75,000 or less will receive a new payment of $1,400, as will heads of households earning up to $112,500. Couples earning $150,000 or less will get $2,800. Payments to those earning more than those amounts will decrease and cut off completely for individuals earning more than $80,000, couples earning more than $160,000, and single parents making more than $120,000. Qualifying parents of children will receive an extra $1,400 per child. That means a married couple with two dependent children may receive $5,600. Also, for this round, dependents now include 17-year-olds, as well as college students, older adults and children of all ages with certain disabilities who are claimed on tax returns.

The payments will be based on information from a taxpayer’s 2019 return, or their 2020 return if it has already been filed.

Will my financial institution know when I am scheduled to receive my stimulus payment?

No, those payments are issued by the IRS, not your financial institution. You can visit the Get My Payment site at IRS.gov for more details, including the status of the payment, and a link to many frequently asked questions.

How will I get my payment?

The IRS will automatically issue your payment via direct deposit to the bank account it has on file based on the information you provided on your tax return. Electronically generated direct deposits are typically the first to go out.

If the IRS does not have direct deposit information, you will be mailed either a paper check or a debit card to your address on file with the IRS. You won’t be able to choose between a paper check or debit card. In fact, some people who received a check in an earlier round of payments could receive a debit card this time, and vice versa. The IRS says to carefully check your mail, so you don’t accidentally throw out the check or debit card. Paper checks will arrive in a white envelope with the U.S. Department of the Treasury seal on the upper left side. The debit cards will arrive in a white envelope that prominently displays the U.S. Department of the Treasury seal, and the envelope will also state “Not a bill or an advertisement. Important information about your Economic Impact Payment.”

It will likely be several days to weeks for mailed paper checks or debit cards to arrive.

The IRS will send you a paper notice in the mail within a few weeks after any payment is sent. It will include information about what form the payment was made and where it was sent.

If you received your payment by mail in the first two rounds, it is recommended that you include your direct deposit bank account information on your 2020 tax return if you are expecting a refund. It is also recommended to file your return as quickly as possible. While there is no guarantee, this could lead to you receiving your next stimulus payment electronically.

What if I’m on Social Security and don’t need to file a tax return?

Your payment will be deposited directly to the bank account where you automatically receive your Social Security payment. A stimulus check will be mailed to you if you normally receive a paper check for your Social Security payment.

Someone I know already got their payment, why don’t I have mine yet?

Not all payments will go out at once. During the first two rounds, electronic payments were the first to be made, but they were staggered and were not all released at the same time. Checks and debit cards were the next to be sent and they are dependent on regular mail delivery. The whole process is likely to take several weeks.

How will I know when my federally issued electronic payment arrives?

You can check your bank account at any time of the day or night, using our mobile banking app or online banking. You can also set up an alert via our mobile app or your online banking account that will notify you via text or email as soon as a direct deposit has been made.

How can I deposit my stimulus check if I receive it by mail?

The quickest and most convenient option for depositing your stimulus check is Mobile Deposit.  Simply use your smartphone or tablet and our mobile banking app to make a deposit at any time.

Mobile deposit is easy, just:

  • Make sure to endorse your stimulus payment check.
  • Open our mobile banking app and select “Deposit” from the menu at the bottom of the screen.
  • Select “Deposit a check,” chose the account you want to deposit the money into, then enter the amount of the check.
  • Next, hold your phone over the front of the check and follow the on-screen prompts to take a photo. Click “Use” if the image is clear. Repeat the same steps to take a photo of the back of your endorsed check.
  • Once the images have been captured, click “Make deposit.”

 Other deposit options include visiting a branch or using an ATM that accepts deposits.

How soon will I be able to access the money deposited into my account?

Funds deposited into your account before 08:00 am on business day and will be available for withdrawal on the same business day. You can view the status of your stimulus deposit through online banking or our mobile banking app.

How does the debit card work?

If you receive the Visa debit card, which is managed by Money Network Financial LLC and has the name MetaBank on the back, you can visit EIPcard.com for information about how to activate and use it, or view the debit card FAQ. Before using the card, you will need to activate it, set a PIN, and sign the back. You’ll be able to use the card for in-store, online, and phone payments, and can get cash surcharge-free at an in-network ATM.

What happens if I don’t receive my stimulus payment?

The IRS says that “If you filed taxes using an online tax preparation service or software, it’s possible that your payment will be sent to a temporary bank account that has since been closed. Tax preparers customarily set up so-called Refund Transfer accounts so they can deduct authorized fees before passing the balance along to the recipient and closing the account.

If your payment is sent to a closed account, the financial institution is required by law to “bounce” the funds back to the IRS. If this happens (or if you receive no payment or the wrong amount for other reasons), your only recourse may be to claim a Recovery Rebate Credit when you file your 2020 taxes.”

My bank account information has changed or was incorrect, what can I do?

According to the IRS, your payment information can’t be changed at this time. It says that “If you don’t get a payment and you’re eligible to receive one, you can claim the Recovery Rebate Credit on your 2020 tax return.”

What happens if the post office was unable to deliver my payment?

If your payment is not deliverable or is returned to the IRS for other reasons, you will need to claim the Recovery Rebate Credit when you file your 2020 tax return. Be sure to include your current address on your return so the IRS can update your information.

What if my address was changed or is wrong?

If your payment can’t be delivered to you for any reason and is returned to the IRS, you’ll need to claim the Recovery Rebate Credit on your 2020 return.

What is the Recovery Rebate Credit?

The credit is the money you receive in stimulus payments. If you do not receive the amount you are entitled to, you can apply to receive those funds when you file your 2020 tax return. You can visit the IRS website for more information about the Recovery Rebate Credit.

Is the stimulus money I receive taxable?

No. The IRS says this money is not income, so you won’t owe federal taxes on it; it won’t affect any expected federal income tax refund, and it won’t affect your income when it comes to determining eligibility for federal assistance or benefit programs. Some states may consider this as taxable income; check with your tax preparer or your state tax department for more information.

Should I be worried about stimulus payment scams?

Scams are always a concern when money is involved, so you should be on the lookout. Some possible scams include:

  • Emails or texts that try to get you to click on a link that then takes you to a form that asks you for personal information so you can get any payment that you are owed. Do not respond to any email or text asking for personal information.
  • Phone calls where someone claims to be from a federal agency such as the IRS or Treasury Department. Never assume an incoming call is from an authorized person especially if they are asking for personal information.
  • People who contact you claiming that you can get your payment faster by paying a small fee by using either a gift card or prepaid debit card. Always be cautious when working with any person or business you do not know or cannot verify.
  • Someone calls you and demands personal information such as bank account numbers or your Social Security number right away or you’ll lose your benefits. This is almost always a sure sign of a scam.

In general, you should be aware that federal agencies won’t ask you to pay anything up front to get your payment, and they won’t call, email, text, or reach out to you via social media to request your bank account or Social Security number, or to verify personal information.

What is a wire transfer?

Wire transfers are a method of electronic funds transfer, from one person or entity to another.

Are there fees for domestic and foreign wire transfers?

Fees will apply.  You will be able to review any fees and limits before completing your wire.

Can someone wire funds to my account at ESSA Bank & Trust?

Yes, someone with your account information can wire funds directly to your ESSA Bank & Trust account.  You will need to provide your account number and routing number.

How do I cancel a foreign wire transfer?

You can cancel the transfer by going to the nearest branch or calling us at 855.713.8001. Foreign wire transfers may be canceled within 30 minutes of initiation.

Note:  Consumers may receive a refund within 3 business days provided the funds have not already been picked or deposited into the beneficiary’s account.

What is a SWIFT Code?

This is a unique identification code issued by the Society for Worldwide Interbank Financial Telecommunications (SWIFT), used for foreign wires.

What do I do if there’s a problem with my Foreign Wire Transfer?

Contact us at 855.713.8001.

You can also write to us at:
ESSA Bank & Trust
ATTN: Wire Transfer Department
200 Palmer Street
Stroudsburg PA 18360

For foreign wires initiated by a consumer, primarily for personal, family, or household purposes, you must contact us within 180 days of the date we indicated to you that funds would be made available to the recipient.

How do I request a domestic or foreign wire transfer?

Domestic or foreign requests are processed at any ESSA Bank & Trust branch location.

What is an IBAN number?

It is the international standard for identifying foreign bank accounts across national borders (International Bank Account Number).  At present, the United States does not participate in IBAN.  However, when sending wire transfers to countries that use IBAN numbers, we recommend including those numbers in your wire transfer documentation.  IBAN numbers are alphanumerically ranging from fifteen (15) to thirty-one (31) characters in length.

How long does a foreign wire transfer take?

The beneficiary’s bank will generally receive the funds within 1 to 2 business days and normally credit the account within 2 business days after receipt.  There are a number of factors that could delay the credit to the beneficiary (e.g. delays by an intermediary bank or other local conditions).

Note: Some countries have been designated as slow-to-pay countries.  Transfers made to or from a slow-to-pay country may experience delays in crediting the beneficiary’s account.  Therefore, we recommend allowing 10 business days for funds to be paid to a foreign recipient.

What are eStatements?

eStatements are an electronic version of your monthly account statement which are accessed through Personal Online Banking or Business Online Banking.

How do I enroll in eStatements?

Sign in to Business Online Banking, select the account number, and then Documents; or sign in to your Retail Online Banking account and click on Profile then Manage Statements. Read the eStatement Disclosure Agreement and click on the PDF document link to verify that you can view our eStatement format. Copy or write down the confirmation code that appears at the top of the sample eStatement and close the pop-up window; this will bring you back to the Disclosure Agreement page. Enter the confirmation code in the box under the Agreement and click the AGREE button. Follow the prompts to complete your enrollment.

Do I have to enroll in Online Banking to receive eStatements?

No, you can enroll in eStatements without being an Online Banking customer. Enroll Now.

Will I be able to have my eStatement notification sent to more than one email address?

For Business Online Banking: Yes, each user within Business Online Banking can get a notification.

For Retail Online Banking: Yes, the account holder must first enroll and will then have the ability to invite other parties to receive eStatement notifications.

Are eStatements safe and secure?

Yes, eStatements are accessed through a secure login with 128-bit encryption whether through Online Banking or the eStatement login.

Is there a fee for eStatements?

No, eStatements are a free service offered by ESSA Bank & Trust.

How will I know when my eStatement is available to view online?

An email notification will be sent to the email address on file.

How do I retrieve my eStatement?

When logged into Business Online Banking, select the account number, and then Documents. For Personal Online Banking, your eStatement can be retrieved once you’ve logged into your Online Banking account. Click on Profile, manage Statements, then View Statement for the account requested.

Your eStatement can be retrieved by logging into your iBank account. Click on Profile, Manage Statements, then View Statement for the account requested.

What type of accounts are eligible for eStatements?

Both business and personal checking, statement savings, and most consumer loans.

What if I don’t receive my email notification that my eStatement is ready to be viewed?

If you do not receive your email notification, you may contact us by sending a message through the ‘Contact Us’ link or by sending an email to  or calling us at 855.713.8001.

Will my statement cut-off date change?

No, the date will not change.

Will I receive required notices electronically?

Yes, by signing up for eStatements you agree that we may provide you with any disclosures legally required in connection with your account electronically rather than in paper form.

Are eStatements official documents that I can use for record keeping, taxes, etc.?

Yes, an eStatement can be treated exactly the same as a paper statement.

Can I retrieve an older statement at any time or just my current eStatement?

Depending on when the account was opened, prior statements may be available to view up to a rolling 18 months by clicking on ‘View History’ for the account requested.

Will I continue to receive paper statements?

No, however, it may take up to one statement cycle to discontinue paper statements after eStatement enrollment.

What if I would like to resume receiving paper statements?

You may opt-out of electronic delivery by sending a message through Contact Us, sending an email to , or calling us at 1-855-713-8001.

What happens if I change my email address?

For Business Online Banking, select Administration, Employee Profile & Permissions, then Change Employee.

For Retail Online Banking, update your new email address within the “Profile” tab of your Online Banking account.

Do I need special software to use Online Banking?

No. You will be able to access your accounts from any computer that connects to the Internet. Simply click the “Online Banking Login” link at the top of the home page of our website.

What do I do if I forget my Password?

Click on the Online Banking Login link at the top of our website and then select Personal Login. You will then see a link for “Forgot Your Password?” A temporary password will be sent to the e-mail we have on file.

What should I do if I can’t log in?

If you have been in the secure site before, follow the instructions above for resetting your password. Please note that the system locks access to accounts when there are three failed attempts to enter your password or failure to answer your three challenge questions. 

If you are still unable to log in, please call our Contact Center at 855.713.8001.

Does Online Banking work with Quicken®?

Yes, it works with all current versions of Quicken®. When the correct date range is chosen for the desired account, select “Download Transactions” or “Export Selected”.

Is there a charge for Online Banking?

Basic Internet Banking is free.

What is mobile banking and does ESSA offer it?

Mobile banking is the ability to perform banking transactions through a mobile device such as a mobile phone, Smartphone or Tablet. ESSA is proud to offer our mobile banking solution. Mobile Banking offers SMS (Short Message System) messages, alerts, mobile browser-based banking, and a downloadable App.

What are some of the features of Mobile Banking?

  1. SMS Text Banking- Send text commands to us from your SMS-enabled phone to inquire about basic account balance and transaction history information. Receive text message responses directly on your phone.
  2. Mobile Browser- Get full and extended mobile banking capabilities on your web-enabled phone. Receive an optimal banking experience with a look and feel that is similar to PC-based online banking, in a site designed to fit neatly on your phone’s screen.
  3. Downloadable App- Get a downloadable mobile application for your Smartphone or Tablet. The App includes a Mobile Deposit feature that is not available with our other mobile services. The App offers an easy user experience which includes Bill Pay, Zelle® and locations features.
  4. Alert Banking- In iBank, you can set up alerts to notify you via email, text, or secure inbox when selected activity occurs on your accounts.

How can I get Mobile Banking on my phone?

You can access Mobile Banking by logging into your online banking and selecting Profile, then Manage Devices.  You can also download the App by searching for ESSA Bank in your App or Play Store.

Do I have to be enrolled in Online Banking before enrolling in Mobile Banking?

No, enrollment may be completed directly through the App.

Is there a fee for using Mobile Banking?

Mobile Banking is a free product offered to all ESSA Bank & Trust customers. However, standard data & message charges from your carrier may apply.

What mobile phones and operating systems are compatible with Mobile Banking?

Mobile Banking SMS text messages are compatible with all phones that can send and receive text messages. However, the mobile browser and mobile app will only work on Smartphones. The mobile browser is supported by Android, iOS, and select Blackberry and Windows devices.

What mobile phone carriers support Mobile Banking?

The carriers that support our mobile banking product include (but are not limited to) Verizon®, AT&T®, T-Mobile®, Sprint®, and MetroPCS.

If I get a new phone and keep my same number, what should I do to continue using Mobile Banking?

In Online Banking, you will need to go into Profile, select “Manage Devices” and in the drop-down select “Stop using this device for Mobile Banking” and then you will need to re-register the phone with the services you intend to utilize. This will reset the device information that is held in the Mobile Banking Profile.

When using the ATM/Branch Locator, how are the results determined?

You can search for locations by current location, zip code, address, or category.  The locator will display the closest locations first and the furthest last.

How often do alerts go out when using the mobile banking product?

Alerts are sent immediately.

For how long will my mobile browser or app stay active?

Both the mobile browser and mobile app have a 5-minute inactivity timer. If the user is idle for more than the stated inactivity time, the user will time out and be disconnected from the mobile browser or app for security reasons.

How safe and secure is Mobile Banking?

Mobile Banking uses layered security methods, transaction encryption, and SSL encryption.  Personal and account information are protected by only being partially displayed.

Can I add more than one mobile phone to the same mobile banking account?

Yes, more than one phone can be added to the account simply by going into Profile, clicking “Manage Devices” under Mobile Banking Profile, then by clicking “Add New Device”.

If I decide to change my mobile banking services, how can I accomplish this task?

You can easily change your services by logging into your Online Banking account, selecting “Profile”, clicking “Manage Devices” under Mobile Banking Profile, then using the drop-down switch to “I want to: Change My Mobile Banking Services”. After switching the drop-down, click “Go” and you can select which services you would like to have.

How do I remove mobile banking access from my phone?

You can remove mobile banking access by logging into Online Banking, selecting Profile, “Manage Devices”, then using the drop-down switch the option to “ I want to: Stop Using This Device For Mobile Banking”. After switching the drop-down, click “Go”, this will disable mobile banking on the phone.

How do I pay a bill from my mobile device?

When using the Mobile App, choose the Transfer & Pay option from the main screen, then select Pay my Billers.

You will then be guided through a simple process of choosing the payee, the account you wish to make the payment from, the amount, and the date of payment.

Can I add a payee through my mobile device?

Yes, payees can be added through the Mobile App.  This can be done by selecting Transfer & Pay, Manage billers then Add new biller.  You will then have the option to take a photo of a bill which will automatically enter the payee information for you, or you can manually enter the information yourself.

Can I change or cancel a payment through my mobile device?

Yes, as long as the payment is in a pending status and has not been processed.

Is there a fee to use Mobile Deposit?

ESSA’s mobile check deposit is free to use.

How do I enroll in Mobile Deposit?

Mobile check deposit is available through the ESSA App. You must have an eligible ESSA checking account.

What do I do with the check(s) after I submit a Mobile Deposit?

We recommend that you retain the check for 14 days after the funds have posted to your account. You should then properly destroy the item(s).

When will my Mobile Deposit appear in my account?

If your mobile deposit is received on a business day before our 6:30 PM ET cut-off time, your funds will normally be available the next business day. If we receive your mobile deposit after our cut-off time, your funds will normally be available in two business days.

Does the check have to be endorsed for Mobile Deposit?

Yes, checks must be endorsed with your signature and the words “For Mobile Deposit Only”.

What are alerts?

Alerts deliver real-time, two-way actionable notifications from multiple systems, including account processing and online banking, based on your preferences.

How do I set up, stop/delete or manage alerts?

You can set up, stop/delete and manage alerts when signed into Personal Online Banking and/or Business Online Banking.  You must be enrolled in our online banking service first.

How do I receive alerts?

They are received via email, text, push notification or online banking alerts. *

*Standard data & message charges from your carrier may apply

What is a push notification?

A push notification is a message that pops up on a mobile device.  Push notifications can be received at any time, and users do not have to be in the app or using their device to receive them; however, you must have our Mobile App to use push notifications.  Push notifications are only available for retail customers.  Business coming soon!

What type of alerts can I set up?

We offer a wide variety of alerts that you can set up, including but not limited to:

Security i.e. Online banking password was changed

Balance i.e. Account balance below threshold

Transaction i.e. Transaction over the threshold amount

Loans i.e. Loan is past due

Other i.e. Check was returned

How quickly/often will I be notified?

Alerts are real-time, meaning they occur throughout the day for both consumers and businesses at the time the event occurs.

What are the benefits of using alerts?

Alerts are beneficial in that they enable decision-making, provide information and reduce fraud risk.

Can I specify times when I don’t want to receive alerts?

You can designate a specific time that you do not wish to receive alerts.  Once that time expires, you will receive all alerts for events that occurred during that window.

How many email addresses/phone numbers can I have my alerts sent to?

You can have an unlimited amount of email addresses and/or phone numbers.

What should I do if my email address or mobile number changes?

If your email address or mobile number changes, you may update this information under Contact Options from within your Alerts.

Is there a restriction on how many alerts I can set up?

There is no restriction on how many alerts you can set up, this is unlimited.

Do alerts expire?

Alerts do not expire and will continue until you stop/delete them.

What are your current hours and days of operation?

Please find your local branch in the charts below.

Drive-Up Access & Branch Hours by Appt:
Mon-Fri 9am-5pm
Sat 9am-Noon, Sun Closed
11 N Main St, Alburtis, PA 18011
1881 Rt 209, Brodheadsville, PA 18322
75 Washington St, E Stroudsburg, PA 18301
5120 Milford Road, E Stroudsburg, PA 18302
2415 Park Ave, Easton, PA 18045
744 Main St, Stroudsburg, PA 18360
2826 Rt 611, Tannersville, PA 18372
1430 Jacobsburg Rd, Wind Gap, PA 18091

Drive-Up Access & Branch Hours by Appt:
Mon-Thurs 9am-4pm, Fri 9am-5pm
Sat 9am-Noon, Sun Closed
8045 W Chester Pike, Upper Darby, PA 19082

Branch Hours by Appt (No Drive-Up Available):
Mon-Fri 9am-5pm
Sat-Sun Closed
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

Drive-Up Access & Branch Hours by Appt:
Mon-Fri 9am-5pm
Sat-Sun Closed
249 Rt 940, Blakeslee, PA 18610
975 Rt 390, Cresco, PA 18326
6302 Rt 309, New Tripoli, PA 18066

Drive-Up Access & Branch Hours by Appt:
Mon-Thurs 9am-4pm, Fri 9am-5PM
Sat-Sun Closed
227 W Lancaster Ave, Devon, PA 19333
354 W Lancaster Ave, Haverford, PA 19041
48 W Marshall Rd, Lansdowne, PA 19050

Branch Hours by Appt (No Drive-Up Available):
Mon-Fri 9am-4:30pm
Sat-Sun Closed
300 Mulberry St, Suite 100, Scranton, PA 18503
1065 Highway 315, Wilkes Barre, PA 18702

What are your holiday hours?

2021 Holiday Schedule

ESSA has established the following holiday schedule for 2021:
New Year’s Day Friday, January 1
Martin Luther King, Jr. Day Monday, January 18
President’s Day Monday, February 15
Memorial Day Monday, May 31
Independence Day1 Monday, July 5
Labor Day Monday, September 6
Columbus Day Monday, October 11
Veteran’s Day Thursday, November 11
Thanksgiving Day Thursday, November 25
Christmas Eve2 Friday, December 24
Christmas Day3 Saturday, December 25
New Year’s Eve4 Friday, December 31

 

1   All offices will be closed.
2 All offices close at noon.
All offices will be closed.
All offices close at 3:00 pm.

Which of your branches have a drive-thru?

The following 15 branches have drive-up access. See our Locations page for local phone numbers and directions.

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
227 W Lancaster Ave, Devon, PA 19333
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

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