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Please continue to visit this page for the most up-to-date information on our response.

A Look Ahead: As We Prepare to Reopen

Local governments are beginning a phased approach to reopening our communities and economies.  For the health and safety of our employees and customers, our lobbies will remain closed. For now, we will continue to serve you through our drive-up windows, ATMs, and electronic banking services, with access to your safe deposit box available by appointment. We will monitor conditions closely to determine when it’s safe to reopen our lobbies. 

We look forward to the day we welcome customers back into our branch lobbies and, rest assured, have started preparing our branches for reopening by ensuring that doing business in each location is as safe as possible.

Here are just some of the personal protection measures we’re taking.

  • We’re installing protective shields at all our teller lines and customer-facing staff desks.
  • We’re installing floor markers and directional signage to manage customer foot traffic, including dedicated entry and exit doors when possible, to help promote social distancing.
  • We’ll require face coverings for anyone over the age of two who enters our buildings.
  • We’ll have hand sanitizing stations available at all entrances.
  • We’ve enhanced our cleaning and sanitizing protocols at all our sites.
  • We’ll continue our “no handshake” policy.

Economic Impact “Stimulus” Payments

The federal government’s Coronavirus economic relief package includes Economic Impact Payments—more commonly referred to as stimulus payments—to most taxpayers. The first payments are expected to arrive in mid-April.


Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an Economic Impact Payment of up to $1,200 for individuals or $2,400 for married couples, plus up to $500 for each qualifying child.

  • Tax filers with adjusted gross incomes of up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment.
  • For filers with incomes above those amounts, the payment amount will be reduced by $5 for every $100 in income above the $75,000/$150,000 thresholds.
  • Single filers with incomes exceeding $99,000 and joint filers with incomes exceeding $198,000 with no children are not eligible to receive payments.
  • Recipients of Social Security, Railroad Retirement, disability, and veteran’s benefits as well as taxpayers who do not have enough earnings to typically have to file a tax return are also eligible to receive payments.

For people who have already filed their 2019 tax returns, the IRS will use this information to calculate the payment amount.  For those who have not yet filed their returns for 2019, the IRS will use information from their 2018 tax filing to calculate the payment.

Payment Methods

If you’re eligible, the IRS will either deposit the money directly into your bank account or send you a check. The payment method will be determined by how you received your 2019 federal tax refund (or your 2018 refund if you have not yet filed for 2019).

If your tax refund was direct deposited, your payment will be deposited to the same bank account as your refund. The first such direct deposits may be initiated as early as April 10 with accounts credited by approximately April 15. Simply log into Online Banking or our Mobile Banking app to see the deposit in your account.

If you did not receive a refund or received it by check, you can take the following steps:

  • When available in mid-April, visit the IRS’s web-based portal at to enter your banking information. Doing so should speed up receipt of your payment. Be sure to have your account number and bankESB’s routing number handy: 211870935 
  • If you take no action, you will receive your payment by check through the mail. However, the U.S. Treasury indicates that payments made by check could arrive as late as August.

Depositing Your Check

If you receive a check, you can save a trip to the bank by depositing it using Mobile Check Deposit. Just follow these easy steps:

  • Download our Mobile App from The App Store® or Google Play and open it.
  • Log in using your Online Banking username and password OR click “Register Now” to sign up.
  • Click on “Deposit a Check” and follow the steps for entering the check amount, choosing your deposit account, and taking a picture of the front and back of the check.
  • Don’t forget to sign the back of your check and write “For mobile deposit only” above your signature.

Potential Delay in Paper Statements.

Many businesses across the nation are under stay-at-home advisories or are experiencing staffing shortages due to the Coronavirus pandemic. Our vendors are facing the same challenges.

Recently, our statement vendor informed us that the printing and mailing of March month-end paper statements may be delayed. We apologize for any inconvenience this may cause as our vendors, like so many companies, try to work through such extraordinary times.

Fortunately, this delay will not impact the delivery of eStatements. Read below to learn all the ways you can bank from home to stay connected to your money, 24 hours a day, seven days a week.

Our Contingency Plans for Operating During the Coronavirus Pandemic.

The health and safety of our customers, employees, and communities continues to be our top priority.

The statewide stay-at-home advisory and closure of nonessential businesses exempt banks and other essential services. As such, we continue to do our part to slow the spread of the virus while ensuring that you stay connected to your money.

Rest assured we remain open and ready to serve you via drive-up window, ATM and electronic banking services.

  • All branch locations remain open for banking business at our drive-up windows and ATMS only. See the complete list of our locations and drive-up hours.
  • Access to your Safe Deposit Box remains available by appointment only.

  • Our branch lobbies will remain closed until further notice. No walk-in service is available.

In addition, we’ve put programs in place to support our customers' short-term needs as a result of hardships they may face due to the Coronavirus pandemic. Click here to read a message from our president.

We will reopen our lobbies to customers as soon as it is safe to do so.  In the meantime, we look forward to seeing you at our drive-up windows and strongly encourage you to use our electronic banking services that make banking from home easy and convenient.

We are prepared to operate during this state of emergency:

  • Should it be necessary, we have plans in place that will allow us to operate our bank from remote locations.  
  • We have actively partnered with our most critical vendors to review their contingency plans.  We are confident they are ready to operate through just about any potential scenario. 

We're Here For You. 
Beginning on March 19th, we are putting the following programs in place to support our customers’ short-term needs as a result of hardships they may face due to the Coronavirus pandemic until further notice:

  • We will waive early withdrawal penalties on CD withdrawals up to $10,000 per customer.
  • On an individualized basis, we will consider options to support the needs of consumer loan and mortgage loan customers who may have difficulty meeting their payment obligations in the months ahead.
  • Our commercial loan officers will work with impacted business customers to assess their banking needs to ensure their operations remain intact despite loss of income or other impact to their business as a result of this pandemic.

Ways to Bank from Home.
We offer electronic banking services that let you connect with your money, 24 hours a day, seven days a week, including:

  • Online Banking and Bill Pay. Check balances, view transactions, see which checks have cleared, transfer funds, pay bills, make loan payments and more from any computer or device with Internet access. Click here for a video tutorial.
  • eStatements. Get your statements electronically through Online Banking. See up to 16 months of statements automatically and print and save them, too. Click here for a video tutorial.
  • Mobile Banking. Download our mobile app to take your money with you wherever you go. It’s secure, easy, and free.
  • Mobile Deposit. Make deposits right from home using the camera on your smartphone.
  • Telephone Banking. Get 24-hour access to your account information by phone, anytime, by calling 877.372.2447. Check balances, verify transactions, transfer funds, and more.
  • Debit Card. Shop from home and enjoy a secure way to make payments.
  • Zelle Person-to-Person Payments. Use Zelle to send or receive money through Online Banking or our Mobile Banking app.
  • Live Chat. Chat live one-on-one with a member of our Customer Care team.


Ways to Sign Up to Bank from Home.

  • Visit our homepage at and click “Logins” to sign up for Online Banking, Bill Pay, or Zelle.
  • Download our Mobile Banking app from The App Store or Google Play to sign up for Mobile Banking or Zelle.
  • Use Mobile Deposit by opening our Mobile Banking app and choosing “Deposit a Check.”
  • Order a new debit card by visiting the service center within Online Banking.
  • Sign up for Telephone Banking by calling 877.372.2447 and following the prompts.
  • Sign up for eStatements by logging into Online Banking and choosing the “eDocuments” tab.
  • To begin a Live Chat, log into Online Banking and click the “Chat Online” icon. Or click the Live Chat icon on

For your safety and ours, if you have traveled internationally or visited an impacted area in the last 30 days, please call us at 855.527.4111 to transact any banking business. Our Customer Care team is ready and waiting to assist you with your banking needs.

Ways to Protect Yourself from Fraud.
Where many of us see uncertainty, fraudsters see opportunity. Scammers have developed fraudulent websites, emails, and telemarketing calls to try to swindle taxpayers out of their stimulus payments. Others are trying to peddle Coronavirus-related cures, treatments, and other products. All are designed to get their hands on your money or your personal or financial information. Be vigilant and cautious!

Here are some ways to protect yourself:

  • Do not give anyone your account information or Online Banking username and password in connection with speeding up stimulus payments. The IRS will not text, call or email you to ask for or verify your banking information for your stimulus payment. Do not fall for scams promising to speed up your payment or asking you to sign over your payment check. Watch out for bogus checks, perhaps in an odd amount, with instructions to verify banking information by phone or online in order to cash it.
  • Do not fall for emails, calls, or websites advertising products or services that promise protection, treatments, or cures for Coronavirus. None are approved by the U.S. Food and Drug Administration and no legitimate-home test kits or vaccinations are for sale.
  • Never open emails or click on the links or attachments in emails from unknown or unsolicited senders. Doing so could download malicious software onto your computer or device or lead you to fake websites looking to steal your personal information.
  • Make sure you have the most up-to-date security software and the latest updates downloaded on your computer or device. 

If you suspect you’ve been the victim of a scam, contact our Customer Care team immediately at 855.527.4111.

To learn more about protecting yourself and sign up for consumer alerts on the latest scams related to Coronavirus, visit the Federal Trade Commission's Coronavirus page.

Ways to Learn More.
If you're looking for more information on the Coronavirus or ways to protect yourself, visit these websites:

The Centers for Disease Control
The World Health Organization
The Coronavirus Update
The Federal Trade Commission

Additional Resources.
The Consumer Financial Protection Bureau (Bureau) has recently released several resources to help consumers take steps to protect their finances during the COVID-19 pandemic, including how to avoid financial scams and submit complaints to the Bureau:

Protect yourself financially from the impact of the coronavirus
The CFPB information and resources for informed financial decisions
Protecting your credit during the coronavirus pandemic
Coronavirus and dealing with debt: Tips to help ease the impact
Tips for financial caregivers during the coronavirus pandemic

Small Business Resources.
COVID-19 Resources and Guidance for Businesses
Small Business Administration’s Economic Injury Disaster Loan (EIDL) program
Interim Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease 2019
Small Business Guidance & Loan Resources

We're Here to Help.

Of course, if you need assistance, you can call our Customer Care team to speak with a representative at 855.527.4111. Our hours of operation are:

Monday - Wednesday: 8:30 AM - 5:00 PM
Thursday: 8:30 AM - 6:00 PM
Friday: 8:30 AM - 5:00 PM
Saturday: 8:30 AM - 12:00 PM

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