ESL Federal Credit Union Routing Number (2025)

ESL Federal Credit Union Routing Number (1)

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ESL Federal Credit Union is recognized as the largest, locally led financial institution in Rochester, NY, and surrounding areas, which includes Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates counties.

If you live in one of these counties or work, worship, or go to school in the City of Rochester, you can join this credit union. Membership is also open to employees and retirees of certain local, national, and international companies, those who volunteer or work at the George Eastman Museum, or fulfill other membership requirements. Immediate family members of credit union members can also join.

As a full-service credit union with branches across regions of Western New York, ESL provides checking and savings accounts for individuals and small businesses, certificates, IRA accounts, loans and other financial services.

If you open an account with ESL Federal Credit Union, at some point you’re likely to need to know your ESL Credit Union Routing Number.

What Is a Routing Number?

A routing number is a unique, nine-digit number that identifies your bank, and, in the case of much larger banks, a set of branches within a region. For instance, Chase Bank has 25 routing numbers for the various states it serves, and two for New York. Smaller banks and local credit unions, like ESL Federal Credit Union, have just one routing number.

The routing number ensures that funds are sent, or routed, to the correct financial institution following a transaction. Your routing number appears on your checks. You’ll also need your bank’s routing number, along with your account number, to sign up for direct deposit or direct debit bill pays services through your checking account.

Where Can I Find My ESL Routing Number?

You can find your ESL Federal Credit Union Routing Number on your checks. The routing number is the first nine numbers preceding your account number at the bottom of every check. ESL Federal Credit Union also shares the routing number at the bottom right of every page of the website. Scroll down to the blue bar and you’ll see it listed as ABA Routing Number. ABA stands for American Bankers Association.

You can also find the ESL ABA routing number on the ESL.org website that provides directions for setting up a payroll direct deposit or other ACH deposits.

Of course, you can always bookmark this article and refer to it whenever you need your ESL routing number.

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What Is the ESL Federal Credit Union Routing Number?

The ESL Federal Credit Union routing number is 222371863. This number can be used for domestic and international wire transfers, direct deposit, direct debit and any other transactions that require a routing number. The number is the same regardless of your ESL home branch or the county that you live in.

Routing Number and Account Number: Know the Difference

A bank’s routing number is unique to a specific bank. With a few exceptions for larger banks, one routing number encompasses all the branches of a specific bank or credit union.

On the other hand, your account number is a number unique to each of your accounts at that bank. If you have a checking and a savings account, you will have two different account numbers. As ESL describes it: “Think of the ABA routing number as the address of your apartment building and your account number as your apartment number.”

ESL Federal Credit Union Accounts

If you live in Rochester and surrounding counties, you might consider opening an account with ESL Federal Credit Union. Here’s what you should know about your account options.

Checking Accounts

ESL offers a free checking account that requires just $1 minimum opening deposit, with no minimum balance requirements.

For those looking for a dividend earning checking account, you can opt for Premier Checking, which pays an APY of as long as you have $1 in your account. The credit union will waive the $6 monthly fee if you maintain an average monthly balance of $1,000.

Both accounts give you access to free online and text-based banking, apps for mobile banking, and free online and mobile Bill Pay services. You’ll also get up to five surcharge-free ATM withdrawals at non-ESL ATMs per month, although the ATM owner may charge a fee.

Savings Accounts

ESL Federal Credit Union offers a variety of savings and money market accounts to help you achieve your financial goals. Savings accounts include:

  • Daily Dividend Account, with a competitive variable interest rate
  • Money Maker, a money market account with tiered interest rates
  • Premier Money Maker, a money market account with tiered interest rates designed for dedicated savers with account balances of $10,000 or more
  • Tiered Savings Account, a savings account that delivers a higher APY the more you save
  • Health Savings Account, a tax-advantaged account that can help you cover medical expenses
  • Coverdell Education Savings Account

How To Open an ESL Federal Credit Union Account

You can open a checking or savings account in one of four ways:

  • By phone
  • Through Live Chat online
  • At a branch
  • Online

Whichever way you choose to open your account, you’ll need to the required documentation, which includes your membership application form, and one primary form of identification, such as a U.S. government-issued photo, U.S. passport, or state-issued driver’s license or non-driver’s photo ID, picture benefits card or a pistol permit. If you don’t have any of these, you can provide two different forms of secondary ID, including one accepted photo ID. Your ID should show your address, indicating you meet residency requirements.

You can start an ESL bank account with just $1 minimum opening deposit and start enjoying all the membership benefits right away.

Final Take

If you open an ESL Federal Credit Union account, you’ll want to know your routing number to complete transactions such as paying bills online through a third party, sending or receiving a wire transfer, or setting up direct deposit.

FAQ

Find out what people are asking about ESL Federal Credit Union's routing number.

  • What is my routing number in ESL?
    • ESL Federal Credit Union, a financial institution primarily open to residents of the City of Rochester and surrounding counties, uses the ABA routing number 222371863.
  • What routing number is 222371863?
    • ABA routing number 222371863 is the routing number for ESL Federal Credit Union, a financial institution headquartered in Rochester, NY, and serving greater Rochester and the surrounding counties.
  • What is the number for ESL wire transfer?
    • The number for ESL wire transfer is the same as the ABA routing number for ESL Federal Credit Union. The wire transfer number for ESL is 222371863.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Oct. 9, 2024.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

ESL Federal Credit Union Routing Number (2025)
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