Credit Cards

Power your purchases with a Visa® credit card from ESB Financial. 

Our personal and business credit cards offer more than spending power — they provide features and perks to fit your lifestyle or business needs. 

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Benefits You’ll Love 

  • Flexible credit limits 
  • Use anywhere Visa is accepted 
  • Earn points on your spending 

Take advantage of a low variable APR1 on our Visa® Credit Card. There's no annual fee, and you get reward points on all purchases2! 

  • A low variable rate1
  • No annual fee
  • Accepted worldwide
  • Cash Advances at thousands of ATMs
  • Transfer your high balance cards to your ESB Card with no transfer fee
  • 25-day free grace period on purchases3
  • No fee for additional cards
  • My Bank Mobile Credit Card App with Integrated Card Controls
  • Free online account access at www.mycardstatement.com
  • Automatic payment options
  • Auto rental insurance
  • Travel accident insurance coverage

PLATINUM PREFERRED CARDHOLDERS EARN SCORECARD® BONUS POINTS

  • 1 point for every $1 spent on retail purchases
  • Redeem your earned points for exciting gifts and travel packages
  • There is no cap on how many points you can earn

Learn more about earning Scorecard Rewards by visiting http://www.scorecardrewards.com/.

Manage your company’s cash flow with a Visa® Business Credit Card. As an employer, you can set spending limits for each employee cardholder and monitor funds 24/7. You’ll also receive detailed monthly statements and reports to track expenses! 

  • Purchase security
  • Extended warrant protection
  • Auto rental insurance
  • Travel and emergency services
  • Travel accident insurance up to $150,000
  • AutoPay program
  • Free online account access at www.mycardstatement.com 
  • Visa® Zero Liability
  • Visa® Liability Waiver
  • A low variable rate*
  • Accepted worldwide
  • 25-day free grace period on purchases**
  • Annual fee of $29 per card

EARN SCORECARD® BONUS POINTS

  • 1 point for every $1 spent on retail purchases
  • Redeem your earned points for exciting gifts and travel packages
  • There is no cap on how many points you can earn... accrue points for 48 months

Learn more about earning Scorecard Rewards by visiting http://www.scorecardrewards.com/.

ONLINE ACCESS

Register for online access to your account so you can: 

  • Analyze your spending
  • Review your statements
  • Pay bills online
  • And more

Go to www.mycardstatement.com to get started.

Apply Now
Questions?
Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 20.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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  • Net cost of buying $0
  • Net cost of leasing $0
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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  • Monthly deposit needed to reach goal $0
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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
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Analysis Earnings Credit

  Interest Compounded Rate
$10 Account Analysis Reviewed Quarterly& 0.30%

Business Max

Tiers Interest Compounded Rate APY
$.01 - $249,999.99 Monthly 0.45% 0.45%
$250,000 - $499,999.99 Monthly 0.50% 0.50%
$500,000 - $999,999.99 Monthly 0.60% 0.60%
$1,000,000.00 - OVER Monthly 0.70% 0.70%

At our discretion, ESB may change the interest rate on any of these tiers listed above.

Certificates of Deposit (CDs)

Maturity Interest Compounded Rate APY
91 Day* Maturity 3.65% 3.70%
182 Day - 11 Months* Quarterly 3.75% 3.80%
12 - 17 Months Quarterly 3.60% 3.65%
18 - 23 Months* Quarterly 3.60% 3.65%
24 - 29 Months* Quarterly 3.55% 3.60%
30 - 35 Months*& Quarterly 3.60% 3.65%
36 - 47 Months* Quarterly 3.65% 3.70%
48 Months* Quarterly 3.70% 3.75%
60 Months*/*** Quarterly 3.70% 3.75%
48 Month Adjustable Rate IRA** Quarterly 3.70% 3.75%
18 Month Variable IRA ($25 minimum deposit) Quarterly with rates adjusted quarterly 3.60% 3.65%

 

* Certificates of Deposit and IRAs only

** IRA holders age 59.5 and older can request a rate bump once every 6 months

*** New Roth IRA Certificates of Deposit only

If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.

Companion CD Accounts

Maturity Interest Compounded Rate APY
36 Months Quarterly 3.60% 3.65%
60 Months Quarterly 3.65% 3.70%

Interest Bearing Checking Account (NOWs)

  Interest Compounded Rate APY
NOW Checking Monthly 0.10% 0.10%

Interest On Overdrawn Collected Balance-Analysis

  Interest Compounded
Account Analysis WSJ Prime + 3%

Kasasa Cash*

Balance Minimum Opening Deposit Rate APY
0 - $20,000 $300 4.93% 5.04%
$20,000+ $300 0.54% 5.04% to 0.54%
All balances if qualifications not met $300 0.05% 0.05%

Qualifications:

  • At least 1 ACH credit or ACH payment transaction
  • At least 15 debit card purchases
  • Enroll and receive e-statements

Kasasa Saver*

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $0 1.01% 1.01%
$10,000+ $0 0.15% 1.01% to 0.15%
All balances if qualifications not met $0 0.05% 0.05%

Qualifications:

  • At least 1 ACH credit or ACH payment transaction
  • At least 15 debit card purchases
  • Enroll and receive e-statements

Money Market Accounts

Tiers Compounded Rate APY
$.01 - 9,999.99 Monthly 0.25%  0.25%
$10,000.00 - 49,999.99 Monthly 0.40% 0.40%
$50,000.00 - 149,999.99 Monthly 0.45% 0.45%
$150,000.00 - OVER Monthly 0.50% 0.50%

At our discretion, ESB may change the interest rate on any of these tiers listed above.

Savings, Super Hero, and Christmas Savings Accounts

Tiers Compounded Rate APY
$.01 - 9,999.99 Monthly 0.20% 0.20%
$10,000.00 - 49,999.99 Monthly 0.35% 0.35%
$50,000.00 - 149,999.99 Monthly 0.40% 0.40%
$150,000.00 - OVER Monthly 0.45% 0.45%

At our discretion, ESB may change the interest rate on any of these tiers listed above.

FAQs

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How do I enroll in mycardstatement?

If you want this new app, but are not currently enrolled in mycardstatement, visit mycardstatement.com and click Enroll Now. Once enrolled, you can download the app.

Where can I find my balance?

The current balance is located on the Account Summary Screen and the Account Details Screen.

Can I disable certain transaction types?

Yes, transactions can either be enabled or disabled by transaction or merchant type. You can also set a threshold amount (within your given credit limit).

Can I receive alerts for specific transactions?

Yes, alerts can be set for merchant type, transaction type, transaction limit, or international.

If a business has more than one card, can all businesses use the My Bank app?

The app will not link cards together. All individual cards would have to be enrolled in mycardstatement.com.

If my automatic payment is not set up on mycardstatement, can I still make a payment on My Bank?

Yes, you can make a one-time payment or set up an automatic payment.

What if I need additional assistance?

If you are not enrolled in mycardstatement or are locked out of your mycardstatement account, call mycardstatement support at 866-572-1637.
 
If you already have the My Bank app installed and are logged in but needs further assistance within the app, contact the mobile app support team at 833-493-0318.
 
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Fast & Secure: Digital Wallet

With Apple Pay®, and Samsung Pay you can leave your credit card in your wallet, or at home! Just add your credit card information to your mobile device and pay with just the touch of your finger, the scan of your face, or a one-time passcode.

To learn how to register for this convenient payment option, contact a Personal Banker in Emporia at 620.342.3454 or in Manhattan at 785.539.3553.

My Bank: Mobile App

The My Bank mobile app can connect you to your ESB Financial credit card anytime, anywhere. With My Bank, view account details, make payments, and more.

If you are already enrolled in mycardstatement, simply download this new app by visiting the Apple or Google store and searching for “mylocalbankcard” and then proceed to login using the same credentials used for mycardstatement.