• Share Draft-Checking Accounts
• Christmas, Vacation and Insurance Clubs
• Debit/ATM Cards
• Direct Deposit
• ACH
• Escrow Accounts
• Save Our Summer (SOS) Accounts
• Share Certificates
• Individual Retirement Accounts (IRA)
• Automatic Payroll Deduction to Savings Accounts
• US Savings Bonds

Of course, membership at ESM-NS has its advantages! For example, ESM-NS checking accounts have NO Minimum Balance Requirement, NO Annual Fee and NO Limit on the Number of Checks you Write. Our competitive savings rates* and low fee schedule makes ESM-NS the place to come for a full range of financial services. Contact ESM-NS for more information or a full Truth-In-Savings disclosure in the mail.

* See our dividend rate page for details & disclosures.