In order to open an account you will need the following information:
Please visit one of our Branch Locations nearest you to speak to a personal banking representative.
Please allow up to 10 business days for your checks to be delivered.
Check prices vary based on the type of account you have. Standard checks for our Free Checking option range between $10-$13. If you are looking to order special checks, a personal banking representative can give you detailed pricing information.
You can check your balance and recent account activity by calling our Quick Check line at 1-800-548-6818.
Please notify your nearest branch immediately and a personal banking representative will assist you.
Before you get started, make sure to have the following items:
If your enrollment application is accepted, you will have to confirm your identity through a link in the confirmation email, within 1 hour, from the same computer and browser used to fill out the application.
We require email verification to avoid any fraudulent activity and to verify that you were the person who set up the account.
The Mobile App is free, data rates may apply; please contact your carrier for more information.
The mobile app can be found in your mobile device app store or by clicking the mobile app link on the website from your phone.
You can submit a request through a secure message via online banking to update your address.
In order to protect your accounts and identity Essex Bank requires all online banking passwords to be changed once a year.
eBank login uses a dual layer authentication process. This gives an extra level of security to help prevent your account from being accessed by any unauthorized users.
Online banking offers a Reset Password feature to consumer accounts. You can set up this feature by logging into your online banking. It will have you set a security question and answer. You can also contact Online Customer Support at 1-888-277-3969 and someone will be happy to assist you.
Online Bill Pay is a feature in Online Banking that allows you to schedule and pay your bills. Select to pay them all at once or individually.
Bill Pay feature is free.
To deactivate your Bill Pay Services please contact your nearest location for assistance.
To delete a payee first sign on to your Essex Bank Online Banking. Select the Bill Payment tab > Payees > Select option> delete. A confirmation page will appear, at that time press delete again and the Payee will be removed.
Essex Bank Bill Pay gives you the option to pay a company such as utility bills or an Individual. Individual payees will receive payment via an official check.
Payments to Electronic payees must be scheduled 2-3 business days prior to the due date. Payments to check payees must be scheduled 5-7 business days prior to due date. All payments scheduled for a non-bank processing day (weekend or holiday) will be processed on the following business day.
Due to processing time same-day bill pay payments are unavailable.
You can view Bill Pay History to make sure your payment was sent. Essex Bank does not send confirmation when the payee has received it. You would have to contact the payee for confirmation.
You may cancel any bill pay payment while in the scheduled queue. Any Bill Pay payment that has been sent cannot be canceled.
Bill pay will not process Electronic payments until sufficient funds are in the account.
Your available balance reflects the total amount you can withdraw. It is the ledger balance plus any deposit transactions, less withdrawals and debits from the account in the current business day.
Items that are not included in your available balance include any outstanding personal or individual bill pay checks. These items will post once the payee has deposited or cashed the check.
Account activity can be viewed up to 180 days or 6 months.
Cash, check and ACH credits are available immediately. Some deposits may not be available immediately due to holds. For questions about a hold on your deposit please speak with your Financial Services Associate.
Current balance reflects any transactions that posted before the nightly processing cut off time. Available balance reflects your balance after the cut off with real time and most recent transactions.
Memo posted transactions are any transactions that have occurred after the nightly process cutoff time.
To place a stop payment on a check or ACH transaction please visit an Essex Bank Location nearest you and a Financial Services Associate will be happy to assist you. A fee will be charged to the account per stop payment request.
Once you have logged into Online Banking select E-Statements. From there you can select Sign up/Changes. Check the accounts you wish to enroll in E-statements and click save.
Statements are cut based on the time your account was created. To find out when you will receive your statement please contact your nearest branch.
Currently we do not offer both types of statements. Our online statements replace the statement you receive in the mail.
To view your online statements make sure you are using a supported browser, you have the most recent version of Adobe Reader, and it is the correct date for your statement to be released. If you are still having trouble viewing your online statement, please contact your nearest branch for assistance.
Online statements are free of charge.
eStatements which include check images are available for 18 months. Standard text statements are available for 12 months.
When your online statement becomes available you will receive an Email notification.
You must be signed up for eStatements in order to receive images of your checks. You can sign up for eStatements through your online banking account.
The Essex Bank routing number is 051406909 and is the first number found at the bottom of your checks. Access our routing number.
You can transfer funds between your Essex Bank accounts by accessing your accounts online, calling us at 1-800-443-5524 or by visiting your nearest Essex Bank location.
First, make sure both accounts are available on your online banking. Click the transfer tab located under the My Accounts tab > select new transfer > using the drop down choose the From account and To account> set the amount, frequency, date > click submit > click confirm. Note that any transfers requested after 8 p.m. Easter Time will not be processed until the following business day.
Essex Bank currently does not support bank to bank transfers.
When creating a new transfer you can set the frequency that the transfer occurs.
All transfers made before 8 p.m. EST will post immediately. Transfer made after the 8 p.m. cutoff will be posted the following business day.
You can pay an individual through online bill pay. They will receive a paper check in the mail.
Money wired to anyone outside of the US is considered an International Wire.
A wire is an Electronic transmission of funds from one bank account to another.
In order to create a Wire Transfer you will need: Name of recipient and receiving bank, bank ABA or routing number, recipient account number and physical address of the receiving bank. International wires will require a SWIFT code.
Essex Bank uses Community Bank’s SWIFT code: COMHUS33
Financial institutions choose to place holds for several reasons. The most important reason is to protect our depositors from obtaining a negative balance due to a returned check. Large checks are subject to holds as well for security purposes. For more specific instances please contact your local branch and speak to a Financial Services Associate.
Please mail deposits using our Bank by Teller envelopes to your local branch. You can find these envelopes in the drive through Night Drop or by visiting your nearest location.
Visit your Financial Services Associate and they will be happy to make a copy.
In order to set up Direct Deposit you will need to contact your current Employer. Usually a voided personal check as well as other information is requested to set up a Direct Deposit.
Your Essex Bank routing number is 051406909. You can also locate your routing number by referring to the first number listed at the bottom of your personal checks.
Direct Deposits are issued for whatever calendar day your Company Payroll is set for.
Yes, by signing up for eBank Mobile Deposit. Please visit our online banking page for more information.
No. At Essex Bank we offer free online banking at your convenience. You can sign up for online banking.
This fee is charged for overdrawn items on your account and is assessed per item.
Returned items are transactions that have been returned to the payee. For more information on why the item was returned please contact your Financial Service Associate.
Over draft privilege is a discretionary overdraft service that provides you a safety net up to an automatically assigned overdraft limit.
To be considered for Overdraft Privilege your account must be in good standing for 90 days. For more information please contact your Financial Services Associate.
There is no additional cost for using Overdraft Privilege unless you use it. You will be charged the paid item fee of $35 for each overdrawn item.
Sweeps are automatic transfers from one Essex Bank account to another to help cover overdrafts. For more information and to set up a Sweep please visit your nearest location.
For more information and to set up a Sweep please visit your nearest Essex Bank location.
To receive a debit or ATM card for the first time please visit your nearest location. If you would like to replace your card you can call your nearest location and a financial services associate will be happy to help you.
Your bank card will arrive between 7 and 10 business days.
You can change your pin at any Essex Bank ATM location, by calling our eBank Customer Service at 1-888-277-3969 or visiting your nearest Essex Bank location.
Call or visit your nearest branch.
To dispute a charge on your account you will need to contact or visit your nearest location.
No, please contact your nearest location, a branch can accept foreign transactions.
Contact your nearest location for limit increase requests.
At this time, we do not offer those services.
Debit and account numbers are separate entities. Checking account numbers are located on your statement and at the bottom of your checks. Debit card numbers are for POS and ATM transactions.
The amount of free foreign ATM withdraws vary based on the type of account you are enrolled in. Visit our checking and savings account pages for a full list of features or contact your nearest location.
Fees and surcharges for non-Essex Bank ATMS are assessed by the institution in which the ATM is owned by.
Only for any interest bearing accounts and if you've received more than $10 in interest.
End of the year by January 31st.
Tax documents are obtained via a Social Security Number. Any accounts associated with the SSN will be displayed.
This document is a summarized statement of contributions made during the current year or previous year.
These are reported electronically each year by May 15th.
Consult your tax advisor for this information.
For your security all tax documents are not available online. If you would like a copy or have not received them through the mail please visit your nearest location.
Tax documents are mailed to the primary account owner. If you are a joint owner on the account and wish to receive a copy please visit your nearest location. You will be asked to present a photo ID before receiving any documents.
An IRA is an Individual Retirement Account.
A rollover is money that has been removed from one institution and reinvested in another by the customer.
You have a choice to setup either a transfer or rollover.
You can start to take out funds with no penalty at 59 ½ years old. You are required at 70 ½ years old to extract the remaining.
Please consult with your tax advisor.
Mobile Deposit allows you to deposit checks to any of your Essex Bank checking and savings accounts using the camera on your iPhone® or AndroidTM.
To use the Mobile Deposit service you must have the following:
The option is titled Deposits and will be included on the Home screen.
This service is offered to customers that have:
Log in to your Online Banking. Select the Mobile Deposit tab and complete the enrollment form. You can also fill out the enrollment form here. When you submit the form it will be emailed to our processing department. After Essex Bank sets up your account we will confirm your request by email.
Yes. You may enroll as many checking and savings accounts as you like as long as the accounts qualify.
Yes. All checks transmitted to the bank through Mobile Deposit must be endorsed. Please write "For Mobile Deposit Only" on the endorsement.
Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. The long business size checks may not work with Mobile Deposit. If you are unsure if your check is accepted through our Mobile Deposit contact your nearest branch to speak with a Financial Services Associate.
Mobile deposits received and accepted before 6pm Eastern Time on a business day are credited to the customer's account and made available for use the next business day. Provisional credit is not granted for Mobile Deposit. Business day is every Monday through Friday, excluding federal holidays recognized by Essex Bank.
Mobile Deposit limits are:
Essex Bank does not charge a fee for Mobile Deposit. The bank retains the option to assess a fee for the service after proper notification to the customer. Any fees associated with your standard deposit account(s) will continue to apply. You may, however, incur charges to receive Internet service on your mobile device. Carrier data and messaging rates may apply. For more details speak to your service provider.
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