Personal 24/7 Services

24/7 Banking Services

Consider it banking without boundaries!

Our newest branch: wherever you are! It could be your kitchen, on your walk with the dog, away on vacation, or from the comfort of your couch. Our online services make it possible for you to access and manage your accounts from just about anywhere.

Take a a look at all the convenient 24/7 Banking Services we offer and get banking your way today!

essa online banking

Online Banking

Consider online banking for your all-access-pass to managing your accounts! Whether you are on the go, on the road, or in the kitchen, you can access and manage your accounts online easily. Best of all, you can do this anytime – 24 hours a day, 7days a week.

Features:

  • View real-time transaction and balance history
  • View check images
  • Set up one-time or recurring automatic transfers between accounts
  • Set up push notifications, e-mail, or text alerts1
  • Integrate with Quicken™

You might also be interested in:

Enrolling NowFAQs | Opening an Account Online | Mobile Banking


Disclosure:

1 Standard text and messaging rates may apply.

24/7 banking

Mobile Banking

Let’s talk mobile devices. From iPhones® to iPads® to Androids®, they make it convenient for accessing information, no matter where you are. We also want to be everywhere you are and accessible when you need us! Mobile banking can do just that.

Mobile App:

Download our app today and carry us with you on your mobile device!

Download on the Apple App StoreDownload on Google Play


Mobile Deposit:

Make deposits in a snap with Mobile Deposit! Available for those using the ESSA Mobile App. Learn More


You might also be interested in:

FAQs | Opening an Account Online


Disclosure:

1 Standard text and messaging rates may apply.

Person taking a picture of a check for their mobile deposit

Mobile Deposit

We made it easy to deposit checks without having to rush to a branch! With Mobile Deposit, it is as easy as taking a ‘selfie’ only this time, it’s of your check.

Features:

  • View up to 30 days of mobile deposit history
  • Safe and easy to use
  • Skip a trip to the bank

How to Make a Deposit:

  1. Endorse the check and write below the endorsement “For Mobile Deposit Only”
  2. Place the check on a flat background and make sure it is visible, in focus, and in a well-lit area when taking the picture.
  3. Take a picture of the front of the check and the back of the check

You might also be interested in:

Viewing a Demo | Opening an Account Online

 


Disclosure:

Must have mobile banking App downloaded to use
* Accepted deposits made before 5:00 pm ET Mon-Fri will appear in your account the next business day. Accepted deposits made after 5:00 pm ET Mon-Fri or anytime on Sat or Sun. will appear in your account two business days later. Mobile Deposits are subject to review prior to acceptance. Please retain your check for 14 days after posting. After that, we recommend that you shred or otherwise destroy the check.

Debit Mastercard®

Add our card to your checking account1
for maximum security, convenience,
and access.

Our cards are:

Chip Enabled
Contactless (Tap & Go)

 


ESSA’s Monitoring for Debit Card Fraud:

To protect your account, we monitor your debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when your U.S. – issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

Read More

Disclosures:

1Additional fees may apply.

Mastercard® is a registered trademark, and the circle design is a trademark, of Mastercard® International incorporated. All third-party trademarks are property of their respective owners

Security

  • Mastercard® ID Theft Protection1: Protect your personal information, detect potential fraud early, see suspicious activity and take action immediately, and repair problems quickly with help from Mastercard® experts.
  • $0 liability for unauthorized purchases2: Applies to purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions.
  • ESSA’s Monitoring for Debit Card Fraud: We watch for potentially fraudulent activity and send a text notification to validate transactions.

 

Disclosures:

1 These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your issuing financial institution for complete coverage terms and conditions or call 1.800.MASTERCARD  (-800-627-8372) for assistance. Applicable to U.S. Cardholders only.

2 Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance, Inc. Please see your guide to benefits for details or call 1.800.MASTERCARD.

Convenience

  • Contactless Pay: Contactless checkout is ideal when speed and convenience are essential. No need to fumble with cash or getting back change! Use it at millions of merchants that have contactless card readers.
  • Manage your finances: When you use your ESSA Debit Mastercard® funds are deducted directly from your checking account. You have an electronic record of every transaction, which can be a real time-saver and makes keeping track of what you spend a snap.
  • Accepted almost everywhere: Your card will be accepted at millions of merchant locations worldwide1, including restaurants, hotels, and online retailers. You can even use your card to automatically pay monthly bills.

 

Disclosure:

1Additional fees may apply

Access

  • 24/7 Access: If you need cash, use an ATM1 anytime, anywhere!
  • Support Services: For lost or stolen cards simply call 800.472.3272 for fast, friendly service.
  • Digital Wallet: Your ESSA Debit Mastercard® is compatible with Apple Pay® and Google Pay®.

 

Disclosure:

1Additional fees may apply

Mastercard Identity Check™

Today’s card-not-present authentication solution means greater insights and better decisions.  Mastercard Identity Check leverages the latest multi-layered authentication standards to help complete more transactions without disruption and ensures the right protocols are followed so that Mastercard can properly authenticate the transaction.

And best of all…it comes free with your ESSA Debit Mastercard®!

What is a digital wallet?

A digital wallet is exactly what it sounds like, a “wallet” that is on your mobile device. Paying through your digital wallet is a form of contactless payment, similar to paying with a contactless card. A digital wallet allows you to carry your debit card information in a digital form that is secure on your mobile device.

How do digital wallet payments work?

A digital wallet is accessible through an app on your phone or your wearable device such as a smartwatch, so start by downloading a mobile app. There are many different apps to choose from, and phone companies such as Apple and Android offer versions of a digital wallet.

The digital wallet payment function is enabled for Apple Pay and Google Pay on our Debit Mastercard®.

  • Apple Pay: Apple’s mobile payment and digital wallet service allows you to make payments in person in iOS-specific apps and online using Safari. The “Wallet” app is supported on the iPhone, Apple Watch, iPad and Mac.
  • Google Pay: This app is similar to Apple Pay but for Android devices and is Google’s digital wallet platform and online payment system. The “Google Pay” app allows you to pay in-app, online and in-person with Android phones, tablets and watches.

Then, all you have to do is enter the information of your ESSA Bank & Trust card into your digital wallet app. After adding your card, look for the contactless symbol, which looks like the Wi-Fi symbol turned on its side, at payment terminals in stores. With your digital wallet app open, tap your phone to the contactless symbol when you are checking out.

Why should I use a digital wallet?

  • Convenience: Using a digital wallet on your mobile device eliminates the need for you to carry around a bulky wallet with several different cards. All you have to do is confirm your identity with a fingerprint, face scan or PIN and then tap to pay at a business that accepts contactless payments.
  • Security: Your card information is encrypted in your digital wallet so the actual card number isn’t transmitted when you’re making a payment. And your full card number isn’t displayed on your phone screen when you’re paying, so people won’t be able to capture that information. Also, you no longer need to worry about misplacing or losing your cards while you are out.
  • Accessibility: From restaurants and convenience stores to gas stations and grocery stores, many merchants are now supporting the contactless payment option, which includes digital wallets.
  • Efficiency: The tap-and-go process only takes a few seconds, so your checkout is smoother and faster than normal card transactions and cash payments.
  • Organization: A digital wallet keeps all of your debit card organized.

A digital wallet offers you more convenience and security than your traditional wallet. If you have any questions about your digital wallet, call 855.713.8001.

Woman calling in to the TeleBank feature about her bank account while eating lunch

TeleBank

We want to make sure you have access to your account at all hours and from any device. TeleBank offers those that want to use a touch-tone device an easy way to do just that!

Features:

  • Call from anywhere, at anytime
  • Access account information
  • Transfer money between eligible accounts

Use TeleBank:

Call: 570.421.1876  |  Toll-Free: 800.655.6706

Woman checking her e-statements on her laptop

eStatements

eStatements – saving trees and fingers from paper cuts – one email notification at a time! Enroll online and enjoy the added security of receiving your statements online rather than through the mail!

Features:

If you are already an online banking user, you can enroll by signing into your online account, clicking on Profile, then Manage Statements, and follow the prompts.

If you do not wish to use online banking, you can enroll in eStatements by clicking the button below.

Enroll Now

 


You might also be interested in:

 
Viewing a Demo  | FAQs

Woman paying for some bills through our Online Bill Pay system

Online Bill Pay

Every month, they come by mail. And every month you may feel the pressure or worry about paying them. What are we talking about? Bills, of course. Well, we made it a little bit easier for you. With Bill Pay, you can set up single or recurring payments online, safely and easily. To get started, you must first be enrolled in ESSA Online Banking.

Features:

  • Set up one-time or recurring payments
  • Make payments to anyone
  • Expedited payments available1
  • Must be enrolled in Online Banking
  • Access to Zelle® (our money transfer service) using an email address, cell phone number, or account number1
  • Customer support available to enrolled Bill Pay customers at 1.855.837.7928 from 7:00 am to 1:00 am ET

You might also be interested in:

Viewing a Demo


Disclosure:

1Additional fees may apply

Man calling into Overdraft Protection to prevent his bank account from being overdrawn. He's looking at his online bank account on his laptop

Overdraft Protection

Avoid the inconvenience of overdrawing your bank account. Now you can, because we have you covered. Our Overdraft Protection program provides a convenient way to avoid the inconvenience of overdrawing your account or having an item returned for insufficient funds.

Just add Overdraft Protection to any checking account by linking it to a statement savings or money market account. Funds will automatically be transferred to your checking account when the balance does not cover checks that you have written or other items (ACH or debit card transactions, for example) presented for payment on your account.

We’ll do the work, and you’ll avoid having your check or electronic transaction returned. Standard insufficient funds/overdraft fees are waived, but a nominal transfer fee applies.

Interested in adding Overdraft Protection? Read our FAQ or contact any of our branch locations and speak to a customer service representative to learn more.

 


You might also be interested in:

Contacting Us | Checking Accounts

Two mobile phones using Zelle. One has sent a payment and the other has received it

Zelle®

Zelle is a convenient way to send money using your mobile banking app or online banking account.

Pay your share of the gas money while you’re still on the road trip!  Zelle payment service is a fast, easy and safe way to pay or request money; and all you need is the recipient’s email address or U.S. mobile phone number.

Learn More