Safe electronic banking involves making good choices - decisions that may help you avoid costly surprises or even scams. The following information and tips can help keep your personal information private and secure.

  • Secure Online Passwords, pressing enter will expand this item for more options

    To avoid unauthorized use, you should not share your User ID's, passwords or personal identification numbers (PIN's) with anyone. Also, unless you use a secure site, you should avoid saving your passwords online. Listed below are some helpful tips and suggestions for creating a secure online password:

    • Choose passwords that are difficult for others to guess
    • Use a different password for each of your online banking accounts
    • Use at least eight (8) characters with a combination of both letters and numbers; if passwords are case sensitive, use a combination of lower case and uppercase letters
    • Avoid using the following:
      • All or part of your User ID
      • Your e-mail address
      • Your social security number
      • Your date of birth
      • The name of your child/spouse/pet
  • Computer Security, pressing enter will expand this item for more options

    These tips will help you keep your personal information safe:

    • Install software that can be used to prevent, detect, and remove threats such as:
      • Anti-Virus Software
      • Anti-Spyware Software
      • Anti-Malware Software
    • Use the most current version that is available
    • Use secure connections when accessing personal information
    • Use a router and firewall to prevent unwanted intrusions
    • Clear your internet browser's history, cookies, and cache regularly
  • ATM/Debit Card Protection, pressing enter will expand this item for more options

    When using your ATM/Debit Card, please remember:

    • In stores and at ATMs, always cover your card and the keypad when you enter your PIN
    • Be aware of your surroundings
      • Cell phone cameras, mirrors, and other tools used to view cards and PINs
      • People watching your transactions
      • Cashiers taking your card out of sight (take it to the register yourself)
      • Unusual activity at ATMs; if you feel uncomfortable, go to another ATM
    • Always take your receipt with you after completing your transaction
    • Don't write your PIN number on your card
    • Watch out for skimmers attached to the ATM or Card Reader (such as at gas pumps). Skimmers are devices placed over the card reader. The devices allow the thief to download the card information, transmit the data, and use it for fraudulent transactions.
    • If you use your debit card for online purchases, sign up for MasterCard® SecureCode™
    • Unless absolutely required for a legitimate business purpose, avoid giving out your:
      • Address and zip code
      • Phone number
      • Date of birth
      • Social security number
      • Card or account number
      • Card expiration date
  • ESSA's Monitoring for ATM/Debit Card Fraud, pressing enter will expand this item for more options

    To protect your account, we monitor your ATM and 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. If we suspect fraudulent use, we call you to validate the transaction(s). Your participation in responding to our call is critical to prevent potential risk and avoid restrictions that we may place on the use of your card.

    Our automated call will ask you to verify recent transaction activity on your card, which you will be able to do via your touchtone keypad. You will also be provided with a toll-free number to call should you have questions.

    Additionally, foreign transactions may be restricted due to the high risk of potential fraud.  Fraud risks are monitored on a daily basis and countries are blocked accordingly.  Please contact your local branch for more information.

    Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.

  • Reporting a Lost/Stolen Card, pressing enter will expand this item for more options

    If you believe your card has been lost or stolen:

    • Call 1-800-472-3272
    • You will be asked to verify your name, address, date of birth and possibly a security question
    • You will be asked to provide the date and approximate time your card was lost/stolen

    Please note: A new card will not automatically be reissued. You will need to apply for a new card by coming in to one of our branches or calling us at (570) 421-0531 (outside the area, call toll-free (800) 439-0715) to request that an application be mailed to you.

  • Online Banking Basics, pressing enter will expand this item for more options

    It is important that you log off after you have completed your online banking session. Also, you should regularly check your account for accuracy and contact us with any questions.

    eStatements are available through our iBank@ESSA online banking tool. eStatements provide greater account and identity protection than typical printed/mailed statements that can be stolen from mailboxes. View more information on eStatements.

  • Identity Theft Scams, pressing enter will expand this item for more options

    Identity thieves use various scams to obtain personal identification information such as account numbers, social security numbers, or PIN numbers.

    They include:

    • Phishing – The criminal attempt to steal personal financial information through fraudulent emails and websites which are designed to appear as though they are legitimate businesses, financial institutions, and government agencies. Most commonly, a link is provided that directs users to enter personal information at the fake website. Additionally, when the user clicks on the link, malicious software may be loaded onto the user’s computer.
    • Smishing – The criminal attempt to steal personal financial information through the telephone system via text messages. A common ploy for this method is sending a text message stating that the customer’s debit/credit card has been deactivated and then instructing the customer to press a number to reactivate the card.
    • Vishing – The criminal attempt to steal personal financial information through the telephone system via Voice over Internet Protocol (VoIP).
    • Pretext Calling – When identity thieves make random phone calls identifying themselves as a bank employee in an attempt to convince a customer to divulge personal identification information. They may use the excuse of “changing computer records” or “frozen accounts”.

    We want you to know that if ESSA Bank & Trust contacts you, we will never ask you via voice mail, text message, or email to provide any personal information, password, account number, or debit card/ATM card number. Additionally, ESSA will not contact you beyond the hours of 8AM to 9PM. If you receive a suspicious phone call or email, do not provide any information. If you have a question concerning any message you receive, please call us at (570) 421-0531 (out of the area, call toll-free (800) 439-0715) or stop in any of our branch locations.

  • Identity Theft Victims, pressing enter will expand this item for more options

    Identity theft occurs when your personal information (your name, Social Security Number, credit card number, etc.) is used without your permission to commit fraud or other crimes.

    The Federal Trade Commission (FTC) has a clear message when it comes to identity theft: Deter, Detect, Defend. You can find information on their website at: https://www.ftc.gov/news-events/press-releases/2010/10/during-national-protect-your-identity-week-learn-how-deter-detect

    The FTC also publishes a complete guide to dealing with identity theft. You can download the pdf version at: http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.pdf

    Filing a complaint with the FTC is one of several important steps that victims of identity theft should take. If you believe you are a victim of identity theft you can file a complaint at: https://www.ftc.gov/news-events/media-resources/identity-theft-and-data-security/filing-complaint

  • Business Identity Theft Information, pressing enter will expand this item for more options

    Do you think identity theft only affects consumers? Think again. Thieves are targeting businesses and organizations like yours for quick and easy profit, with devastating consequences. It is a serious risk and you need to know the facts before your business or organization becomes the next victim. The new epidemic of identity crimes targets businesses and organizations.

    For links to valuable information visit this website: www.businessidtheft.org

  • Additional Consumer Protection Web Sites, pressing enter will expand this item for more options

  • iBank@ESSA (iBank) Useful Information, pressing enter will expand this item for more options

    • After ten (10) minutes of inactivity, iBank will automatically end a session and log off the user.
    • After three (3) failed login attempts, iBank will lock access to the user.
    • The system will ask you to choose a new password every year (365 days). You may not re-use passwords.
    • It is a good idea to login often to review your account transaction history.
    • When finished with an iBank session, click the “Logoff” button.
    • Do not share your logon ID or password with anyone.
    • Personal Accounts: Each iBank application is an individual enrollment.
    • Business/Organization Accounts: The authorized signer(s) are the person(s) authorized to logon to access the account(s) and/or speak with an iBank representative about the account(s) online.
    • iBank accounts can be set-up so that users receive alerts designed to help them stay on top of their finances. These notifications are sent at the users’ request by email or mobile text message when important account activity occurs; such as when a deposit balance is low or meets a specific threshold, when a deposit or withdrawal is processed, etc. Users can access the alert set-up by clicking on “Alerts” within iBank.
  • iBank Helpful Tips, pressing enter will expand this item for more options

    • To view and/or print an image of the front and back of your current canceled checks, click on the check number.
    • Click on the “Options” tab to perform any of the following:
      • Change your password
      • Update email address
      • Update security information
      • Enroll in mobile banking
      • Give your accounts nicknames
    • Click on “Transfer” for immediate transfers, future date transfers, or recurring transfers.
    • Place a stop payment on a check by clicking on “Stop Payment.”
    • Sign up for eStatements to discontinue paper statements.
    • Click on your abbreviated account number for information including, but not limited to:
      • Current balance
      • Available balance
      • Last deposit
      • Last check
      • Current interest rate on accounts
      • Current accrued interest
      • Interest paid current year
      • Interest paid last year
      • Principal balance
      • Taxes paid
      • Loan amount last paid
      • Next payment amount
      • Next payment date
  • iBank Security Information, pressing enter will expand this item for more options

    • iBank is Safe and Secure – The system features a multifactor controlled entry which includes Logon ID, Password and an additional level of user authentication. Users are required to choose a Access ID and password at their first sign on to iBank. You will also be required to select a set of 3 security challenge questions and provide answers for each question. Every time you enter your Access ID to our secure site, our system analyzes the way you are currently accessing our site and compares this with information stored from your previous logons. If it is determined your current access method is different, for example you are logging on from a new computer for the first time, you will be required to answer a challenge question.

      Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

    • Secure Data Transfer – Once a server session is established on an https secure page, the user and the server are in a secured environment. The server has been certified as a 128-bit secure server by VeriSign meaning that data traveling between the user and the server is encrypted with a Secure Sockets Layer (SSL) protocol. Data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. The bank’s server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user creates a server session.
    • Router and Firewall – Secure forms must filter through a firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
  • Bill Pay Information, pressing enter will expand this item for more options

    • Bill Pay is a service we provide that allows you to make payments electronically to anyone…from a large company such as a credit card provider to the boy next door who mows your lawn. Payments are made electronically or by check depending on the capabilities of the payee. Payments can be one-time (immediately or on a specified future date) or can be set up as recurring.
    • Bill Pay is free for the first three months (trial period). After three months, there is a $5.00 monthly charge for unlimited transactions. This monthly fee is waived for payments made through qualifying ESSA Checking Accounts (See Personal Fee Schedule or the Business Fee Schedule for details).
    • ESSA’s Bill Pay Customer Service can be reached at 1-855-837-7928 between 7 a.m. – 1 a.m. ET, 7 days a week.
    • Payments take one to three business days to process. If your payee accepts electronic payments, payment is generally made within 24-48 hours. If your payee does not accept electronic payments from the system, a computer generated check will be sent and your payee will receive it within 5-7 business days. Funds will normally be withdrawn from your account on the payment due date.
    • You can cancel any pending bill payment that has been scheduled for a future date by selecting the payment in “pending payments” and clicking “delete”. Once an electronic payment has been processed, it cannot be stopped. If a payment has been made by check, a stop payment can be issued by calling our Electronic Banking customer service for instructions at (570) 421-0531 (out of the area, call toll-free (800) 439-0715) between the hours of 8:30 a.m. – 5:00 p.m. ET, Monday through Friday.
    • If you decide that you would like to cancel Bill Payment, please notify us either by sending an email to , submitting a written request to any ESSA branch, or accessing your iBank account, clicking on the Bill Pay tab, selecting “My Profile”, and choosing the “Cancel Service” option.
  • TeleBank Information, pressing enter will expand this item for more options

    • TeleBank is ESSA’s telephone banking system. It provides a fast, convenient way of obtaining information on your accounts. Using your touch-tone phone, TeleBank allows you to connect to your accounts anytime from anywhere. You can obtain current account balances, information on your most recent transactions, and transfer funds from one account to another (as permitted).
    • To reach TeleBank, dial (570) 421-1876, (outside of the area, call toll-free (800)-655-6706).
    • You will need to create a secure Personal Identification Number (PIN) to use TeleBank. The initial PIN is the last 4-digits of the primary account holder’s Tax ID Number. You will be required to change your PIN upon initial access to the TeleBank system. It is recommended that you change your PIN frequently, use a different PIN for each of your accounts, and to choose a PIN that is difficult for others to guess.
    • Do not share your User ID’s, passwords, or PINs with anyone.