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10 Strategies for Writing a College Application Essay

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Strategies How to Write a College Application Essay

Your college essay, frequently asked questions about writing a college application essay.

Writing a college application essay can have an incredible influence on the college admissions committees . The essay is designed to give students a chance to really show colleges who they are and what they aspire to be. This is why it’s important to compose something that makes your personal statement stand out amongst the hundreds of other students.

You want to write something captivating and impactful without overwhelming the reader yet staying true to you. But between knowing where to start and what to write about, the essay itself seems almost impossible to conquer. And this is where I come in.

Today’s article focuses on my carefully crafted 10-step strategy for writing the perfect college application essay . With some colleges no longer considering factors like high school grades and standardized test scores (i.e., SAT and ACT scores ), the pressure to create a college application essay can be fierce but stress no more. With the help of these ten strategies, you will be on your way to writing the strong college application essay that just might get you a seat at your dream college. Let’s get right into it!

Visit our Scholarship blog for more insight on college-related topics, plus access to hundreds of exclusive scholarships . So, don’t wait. Start applying today !

Start Early:

Because the whole application process is tedious from beginning to end, you want to give yourself plenty of time to work on your essay. Be sure to start brainstorming ideas early and create and outline your essay. Not only will this give you an idea of how you want to structure your essay, but it will also provide an ample amount of time to work on the essay. If you start early, you will also have more than enough time to edit and go through multiple drafts until your final draft is complete.

Understand the Prompt:

Before you begin writing anything, make sure you fully understand the essay prompt. The last thing you want to do is write an essay that has nothing to do with the theme/prompt the school has given prospective students. Look into the essay’s guidelines beforehand to have a clear understanding of what your topic is. That way, you don’t waste words and time.

Show, Don’t Tell:

It’s easy to put words on a paper and call it an essay, but that’s boring (and lazy)! Show your readers what you want them to see; don’t just tell them. Use specific examples to illustrate your points and qualities. Try adding some humor in there to give them an even clearer sense of your personality, as well.

Whatever theme or prompts you are focusing on in your essay, just make sure you show who you truly are. Bring your readers on your journey through any experience you’re highlighting rather than just telling them you were there. Use your achievements and moments of clarity to draw them in. An admissions officer will want to see your colors, not just hear about them.

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Be Authentic:

This is the key and probably the most important part of your essay. Be authentic and unapologetically you. Write in your own voice, and don’t be afraid to be vulnerable. Share your experiences, passions, and aspirations, but focus on how who you truly are, your values, and your goals. It’s easy to tell when something is forced, so stray away from generic tones and cliché jargon. Be fun, use humor, and showcase your natural tone. College admissions committees respect transparency and honesty as these characteristics usually line up with their institution’s values, so be authentically you.

Focus on a Specific Topic:

When you’re working on something like a college application essay where your goal is to stand out, it’s easy to ramble on about yourself, and that’s okay! But it’s important to know what is necessary and what overflow is. Choose a specific topic/theme that gives your story a way to showcase your personality and stick to it. You want to focus on key details and not details about the details. Stick to what you want to convey and use supporting information and/or characteristics.  

Structure Your Essay:

The key to a well-thought-out, formed essay is a strong outline. Organizing your thoughts will help you more than you know, so make sure you start your outline with a clear introduction that leads to strong body paragraphs that support your main points. And when all is said and done, you will wrap up your essay with an impressionable conclusion. You might go through a few outlines before you get to your final one, but that’s okay! Whatever works for you will shine through your essay.

Edit and Revise:

Editing is going to be your best friend. The first draft is always going to be a little messy, so make sure you go back and proofread your work for any grammar and spelling errors. The editing and writing process can also help you gain some clarity on what you are trying to convey to the college admissions committee. Because we’re the ones writing it, our thoughts make sense as soon they spill onto the paper, so proofreading your work will give you a chance to realign those thoughts and make it more coherent and smoother to read.

And since you’re the one writing it, it’s easy to overlook typos and missed punctuation, so I suggest taking breaks. And this can go any way! You can complete the first few paragraphs and then take a break; you can do one paragraph at a time or even the entire essay and then take a break. Whichever way you choose to go when it comes to writing essays, stepping back from your words can help you regain that sharp eye that will catch the errors.

Seek Feedback:

If you’re anything like me, you don’t like to bother people or ask for help, but for your college application essay, you have to put that aside. Don’t be afraid to ask teachers, counselors, your parents, peers, and friends to read your essay and provide constructive feedback in areas that need improvement. A second, third, and even fourth set of eyes will be able to catch things you can’t. Just be sure the people you know will set time aside to help you.

Also, request that your readers tell you what they gained from the essay. Did you perceive yourself well, did you miss anything, should you include a detail you don’t think it relevant to personal essay, but they do? You want to make sure your essay represents you academically, professionally, and personally, so listen closely to what they have to say and revise until it’s ready to go.

Be Positive:

Though I know it’s important to share your experiences and stories in your applications essay, I want to make sure you don’t focus on the negative aspects of your experiences (if any!). Colleges want to see their prospective student’s personalities and how they get through even the happiest of life experiences, and not just the challenging ones. Focus on your strengths, achievements, and growth while maintaining a positive and optimistic tone throughout your essay.

Leave them wanting more:

The goal point of your application’s essay is to stand out, so ending your essay with a strong closing sentence will amplify the reader’s interest that much more. Not only will these strategies inspire a well-written and authentic essay, but they can also increase your chances of making a strong, lasting impression on college admissions committees. Make sure your closing statement is witty and powerful and ties it all together.

Your college essay should show your personality, special qualities, experiences, and aspirations to the college admissions officers and committee. You don’t want to do too much, but you also don’t want to leave anything out . So, in case you get stuck, here are some elements to include in your college application essay:

• Personal Story : Share your story and experiences that have shaped your identity and/or influenced your passions.
• Academic Achievements : This is not the time to be modest about academic achievements, so highlight any awards or honors that demonstrate your dedication to education.
• Goals and Aspirations : Clearly state your goals and aspirations and explain how attending the college you are applying to support those dreams.
• Unique Perspective : Offer the unique perspectives or insights that set you apart from other applicants. This will showcase your individuality.
• Writing Style : You want your essay to demonstrate strong writing skills, creativity, and clarity. Provide vivid language, clear storytelling, and proper grammar and punctuation.
• Relevance : Make sure your essay directly addresses the college’s prompts or questions and aligns with the values and mission of the institution.
• Reflection : Reflect on your experiences, challenges, and growth, and show how they have shaped your character and prepared you for college.
• Be Yourself : But most importantly, be You. Stay true to your authenticity, as it is the one thing that will make you stand out the most!

In truth, your college application essay doesn’t have to drag . Include some of these elements into your work, and you might even (dare I say) have fun showing every college board member who you are and what you have to offer the world of academia. Good luck, and happy writing your admissions essays .

What should I write about in my college application essay?

When it comes to topics for your college application essay, choose a subject that boasts your unique personality, experiences, and personal values. Consider sharing a personal story that shines a light on your strengths, or write about any challenges you’ve overcome gracefully or a significant moment that helped shape your identity. The goal of college essays is to provide admissions officers with insight into who you are beyond your academic achievements, not just that you can put together an essay.

How long should my college application essay be?

Most colleges have specific guidelines regarding the length of the application essay, typically ranging from 250 to 650 words. It is important to adhere to the word count limit provided by the college to ensure that your essay is concise and focused. Be sure to carefully review the college application process and instructions to determine the appropriate length for your essay.

How can I make my college application essay stand out?

To make your college application essay stand out, focus on your authentic voice and perspective. Avoid clichés and generic statements, and instead, strive to convey your unique personality and experiences. Use bold language, descriptive details, and storytelling techniques to captivate the reader’s attention. Don’t be afraid to get feedback from teachers, counselors, or peers to ensure that your college essay topic is well-written and effectively communicates your message.

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College Essays

If you grow up to be a professional writer, everything you write will first go through an editor before being published. This is because the process of writing is really a process of re-writing —of rethinking and reexamining your work, usually with the help of someone else. So what does this mean for your student writing? And in particular, what does it mean for very important, but nonprofessional writing like your college essay? Should you ask your parents to look at your essay? Pay for an essay service?

If you are wondering what kind of help you can, and should, get with your personal statement, you've come to the right place! In this article, I'll talk about what kind of writing help is useful, ethical, and even expected for your college admission essay . I'll also point out who would make a good editor, what the differences between editing and proofreading are, what to expect from a good editor, and how to spot and stay away from a bad one.

Table of Contents

What Kind of Help for Your Essay Can You Get?

What's Good Editing?

What should an editor do for you, what kind of editing should you avoid, proofreading, what's good proofreading, what kind of proofreading should you avoid.

What Do Colleges Think Of You Getting Help With Your Essay?

Who Can/Should Help You?

Advice for editors.

Should You Pay Money For Essay Editing?

The Bottom Line

What's next, what kind of help with your essay can you get.

Rather than talking in general terms about "help," let's first clarify the two different ways that someone else can improve your writing . There is editing, which is the more intensive kind of assistance that you can use throughout the whole process. And then there's proofreading, which is the last step of really polishing your final product.

Let me go into some more detail about editing and proofreading, and then explain how good editors and proofreaders can help you."

Editing is helping the author (in this case, you) go from a rough draft to a finished work . Editing is the process of asking questions about what you're saying, how you're saying it, and how you're organizing your ideas. But not all editing is good editing . In fact, it's very easy for an editor to cross the line from supportive to overbearing and over-involved.

Ability to clarify assignments. A good editor is usually a good writer, and certainly has to be a good reader. For example, in this case, a good editor should make sure you understand the actual essay prompt you're supposed to be answering.

Open-endedness. Good editing is all about asking questions about your ideas and work, but without providing answers. It's about letting you stick to your story and message, and doesn't alter your point of view.

Think of an editor as a great travel guide. It can show you the many different places your trip could take you. It should explain any parts of the trip that could derail your trip or confuse the traveler. But it never dictates your path, never forces you to go somewhere you don't want to go, and never ignores your interests so that the trip no longer seems like it's your own. So what should good editors do?

Help Brainstorm Topics

Sometimes it's easier to bounce thoughts off of someone else. This doesn't mean that your editor gets to come up with ideas, but they can certainly respond to the various topic options you've come up with. This way, you're less likely to write about the most boring of your ideas, or to write about something that isn't actually important to you.

If you're wondering how to come up with options for your editor to consider, check out our guide to brainstorming topics for your college essay .

Help Revise Your Drafts

Here, your editor can't upset the delicate balance of not intervening too much or too little. It's tricky, but a great way to think about it is to remember: editing is about asking questions, not giving answers .

Revision questions should point out:

• Places where more detail or more description would help the reader connect with your essay
• Places where structure and logic don't flow, losing the reader's attention
• Places where there aren't transitions between paragraphs, confusing the reader
• Moments where your narrative or the arguments you're making are unclear

But pointing to potential problems is not the same as actually rewriting—editors let authors fix the problems themselves.

Bad editing is usually very heavy-handed editing. Instead of helping you find your best voice and ideas, a bad editor changes your writing into their own vision.

You may be dealing with a bad editor if they:

• Add material (examples, descriptions) that doesn't come from you
• Use a thesaurus to make your college essay sound "more mature"
• Add meaning or insight to the essay that doesn't come from you
• Tell you what to say and how to say it
• Write sentences, phrases, and paragraphs for you
• Change your voice in the essay so it no longer sounds like it was written by a teenager

Colleges can tell the difference between a 17-year-old's writing and a 50-year-old's writing. Not only that, they have access to your SAT or ACT Writing section, so they can compare your essay to something else you wrote. Writing that's a little more polished is great and expected. But a totally different voice and style will raise questions.

Where's the Line Between Helpful Editing and Unethical Over-Editing?

Sometimes it's hard to tell whether your college essay editor is doing the right thing. Here are some guidelines for staying on the ethical side of the line.

• An editor should say that the opening paragraph is kind of boring, and explain what exactly is making it drag. But it's overstepping for an editor to tell you exactly how to change it.
• An editor should point out where your prose is unclear or vague. But it's completely inappropriate for the editor to rewrite that section of your essay.
• An editor should let you know that a section is light on detail or description. But giving you similes and metaphors to beef up that description is a no-go.

Proofreading (also called copy-editing) is checking for errors in the last draft of a written work. It happens at the end of the process and is meant as the final polishing touch. Proofreading is meticulous and detail-oriented, focusing on small corrections. It sands off all the surface rough spots that could alienate the reader.

Because proofreading is usually concerned with making fixes on the word or sentence level, this is the only process where someone else can actually add to or take away things from your essay . This is because what they are adding or taking away tends to be one or two misplaced letters.

Laser focus. Proofreading is all about the tiny details, so the ability to really concentrate on finding small slip-ups is a must.

Excellent grammar and spelling skills. Proofreaders need to dot every "i" and cross every "t." Good proofreaders should correct spelling, punctuation, capitalization, and grammar. They should put foreign words in italics and surround quotations with quotation marks. They should check that you used the correct college's name, and that you adhered to any formatting requirements (name and date at the top of the page, uniform font and size, uniform spacing).

Limited interference. A proofreader needs to make sure that you followed any word limits. But if cuts need to be made to shorten the essay, that's your job and not the proofreader's.

A bad proofreader either tries to turn into an editor, or just lacks the skills and knowledge necessary to do the job.

Some signs that you're working with a bad proofreader are:

• If they suggest making major changes to the final draft of your essay. Proofreading happens when editing is already finished.
• If they aren't particularly good at spelling, or don't know grammar, or aren't detail-oriented enough to find someone else's small mistakes.
• If they start swapping out your words for fancier-sounding synonyms, or changing the voice and sound of your essay in other ways. A proofreader is there to check for errors, not to take the 17-year-old out of your writing.

What Do Colleges Think of Your Getting Help With Your Essay?

Admissions officers agree: light editing and proofreading are good—even required ! But they also want to make sure you're the one doing the work on your essay. They want essays with stories, voice, and themes that come from you. They want to see work that reflects your actual writing ability, and that focuses on what you find important.

On the Importance of Editing

Get feedback. Have a fresh pair of eyes give you some feedback. Don't allow someone else to rewrite your essay, but do take advantage of others' edits and opinions when they seem helpful. ( Bates College )

Read your essay aloud to someone. Reading the essay out loud offers a chance to hear how your essay sounds outside your head. This exercise reveals flaws in the essay's flow, highlights grammatical errors and helps you ensure that you are communicating the exact message you intended. ( Dickinson College )

On the Value of Proofreading

Share your essays with at least one or two people who know you well—such as a parent, teacher, counselor, or friend—and ask for feedback. Remember that you ultimately have control over your essays, and your essays should retain your own voice, but others may be able to catch mistakes that you missed and help suggest areas to cut if you are over the word limit. ( Yale University )

Proofread and then ask someone else to proofread for you. Although we want substance, we also want to be able to see that you can write a paper for our professors and avoid careless mistakes that would drive them crazy. ( Oberlin College )

On Watching Out for Too Much Outside Influence

Limit the number of people who review your essay. Too much input usually means your voice is lost in the writing style. ( Carleton College )

Ask for input (but not too much). Your parents, friends, guidance counselors, coaches, and teachers are great people to bounce ideas off of for your essay. They know how unique and spectacular you are, and they can help you decide how to articulate it. Keep in mind, however, that a 45-year-old lawyer writes quite differently from an 18-year-old student, so if your dad ends up writing the bulk of your essay, we're probably going to notice. ( Vanderbilt University )

Now let's talk about some potential people to approach for your college essay editing and proofreading needs. It's best to start close to home and slowly expand outward. Not only are your family and friends more invested in your success than strangers, but they also have a better handle on your interests and personality. This knowledge is key for judging whether your essay is expressing your true self.

Parents or Close Relatives

Your family may be full of potentially excellent editors! Parents are deeply committed to your well-being, and family members know you and your life well enough to offer details or incidents that can be included in your essay. On the other hand, the rewriting process necessarily involves criticism, which is sometimes hard to hear from someone very close to you.

A parent or close family member is a great choice for an editor if you can answer "yes" to the following questions. Is your parent or close relative a good writer or reader? Do you have a relationship where editing your essay won't create conflict? Are you able to constructively listen to criticism and suggestion from the parent?

One suggestion for defusing face-to-face discussions is to try working on the essay over email. Send your parent a draft, have them write you back some comments, and then you can pick which of their suggestions you want to use and which to discard.

Teachers or Tutors

A humanities teacher that you have a good relationship with is a great choice. I am purposefully saying humanities, and not just English, because teachers of Philosophy, History, Anthropology, and any other classes where you do a lot of writing, are all used to reviewing student work.

Moreover, any teacher or tutor that has been working with you for some time, knows you very well and can vet the essay to make sure it "sounds like you."

If your teacher or tutor has some experience with what college essays are supposed to be like, ask them to be your editor. If not, then ask whether they have time to proofread your final draft.

Guidance or College Counselor at Your School

The best thing about asking your counselor to edit your work is that this is their job. This means that they have a very good sense of what colleges are looking for in an application essay.

At the same time, school counselors tend to have relationships with admissions officers in many colleges, which again gives them insight into what works and which college is focused on what aspect of the application.

Unfortunately, in many schools the guidance counselor tends to be way overextended. If your ratio is 300 students to 1 college counselor, you're unlikely to get that person's undivided attention and focus. It is still useful to ask them for general advice about your potential topics, but don't expect them to be able to stay with your essay from first draft to final version.

Friends, Siblings, or Classmates

Although they most likely don't have much experience with what colleges are hoping to see, your peers are excellent sources for checking that your essay is you .

Friends and siblings are perfect for the read-aloud edit. Read your essay to them so they can listen for words and phrases that are stilted, pompous, or phrases that just don't sound like you.

You can even trade essays and give helpful advice on each other's work.

If your editor hasn't worked with college admissions essays very much, no worries! Any astute and attentive reader can still greatly help with your process. But, as in all things, beginners do better with some preparation.

First, your editor should read our advice about how to write a college essay introduction , how to spot and fix a bad college essay , and get a sense of what other students have written by going through some admissions essays that worked .

Then, as they read your essay, they can work through the following series of questions that will help them to guide you.

Introduction Questions

• Is the first sentence a killer opening line? Why or why not?
• Does the introduction hook the reader? Does it have a colorful, detailed, and interesting narrative? Or does it propose a compelling or surprising idea?
• Can you feel the author's voice in the introduction, or is the tone dry, dull, or overly formal? Show the places where the voice comes through.

Essay Body Questions

• Does the essay have a through-line? Is it built around a central argument, thought, idea, or focus? Can you put this idea into your own words?
• How is the essay organized? By logical progression? Chronologically? Do you feel order when you read it, or are there moments where you are confused or lose the thread of the essay?
• Does the essay have both narratives about the author's life and explanations and insight into what these stories reveal about the author's character, personality, goals, or dreams? If not, which is missing?
• Does the essay flow? Are there smooth transitions/clever links between paragraphs? Between the narrative and moments of insight?

Reader Response Questions

• Does the writer's personality come through? Do we know what the speaker cares about? Do we get a sense of "who he or she is"?
• Where did you feel most connected to the essay? Which parts of the essay gave you a "you are there" sensation by invoking your senses? What moments could you picture in your head well?
• Where are the details and examples vague and not specific enough?
• Did you get an "a-ha!" feeling anywhere in the essay? Is there a moment of insight that connected all the dots for you? Is there a good reveal or "twist" anywhere in the essay?
• What are the strengths of this essay? What needs the most improvement?

Should You Pay Money for Essay Editing?

One alternative to asking someone you know to help you with your college essay is the paid editor route. There are two different ways to pay for essay help: a private essay coach or a less personal editing service , like the many proliferating on the internet.

My advice is to think of these options as a last resort rather than your go-to first choice. I'll first go through the reasons why. Then, if you do decide to go with a paid editor, I'll help you decide between a coach and a service.

When to Consider a Paid Editor

In general, I think hiring someone to work on your essay makes a lot of sense if none of the people I discussed above are a possibility for you.

If you can't ask your parents. For example, if your parents aren't good writers, or if English isn't their first language. Or if you think getting your parents to help is going create unnecessary extra conflict in your relationship with them (applying to college is stressful as it is!)

If you can't ask your teacher or tutor. Maybe you don't have a trusted teacher or tutor that has time to look over your essay with focus. Or, for instance, your favorite humanities teacher has very limited experience with college essays and so won't know what admissions officers want to see.

If you can't ask your guidance counselor. This could be because your guidance counselor is way overwhelmed with other students.

If you can't share your essay with those who know you. It might be that your essay is on a very personal topic that you're unwilling to share with parents, teachers, or peers. Just make sure it doesn't fall into one of the bad-idea topics in our article on bad college essays .

If the cost isn't a consideration. Many of these services are quite expensive, and private coaches even more so. If you have finite resources, I'd say that hiring an SAT or ACT tutor (whether it's PrepScholar or someone else) is better way to spend your money . This is because there's no guarantee that a slightly better essay will sufficiently elevate the rest of your application, but a significantly higher SAT score will definitely raise your applicant profile much more.

Should You Hire an Essay Coach?

On the plus side, essay coaches have read dozens or even hundreds of college essays, so they have experience with the format. Also, because you'll be working closely with a specific person, it's more personal than sending your essay to a service, which will know even less about you.

But, on the minus side, you'll still be bouncing ideas off of someone who doesn't know that much about you . In general, if you can adequately get the help from someone you know, there is no advantage to paying someone to help you.

If you do decide to hire a coach, ask your school counselor, or older students that have used the service for recommendations. If you can't afford the coach's fees, ask whether they can work on a sliding scale —many do. And finally, beware those who guarantee admission to your school of choice—essay coaches don't have any special magic that can back up those promises.

Should You Send Your Essay to a Service?

On the plus side, essay editing services provide a similar product to essay coaches, and they cost significantly less . If you have some assurance that you'll be working with a good editor, the lack of face-to-face interaction won't prevent great results.

On the minus side, however, it can be difficult to gauge the quality of the service before working with them . If they are churning through many application essays without getting to know the students they are helping, you could end up with an over-edited essay that sounds just like everyone else's. In the worst case scenario, an unscrupulous service could send you back a plagiarized essay.

Getting recommendations from friends or a school counselor for reputable services is key to avoiding heavy-handed editing that writes essays for you or does too much to change your essay. Including a badly-edited essay like this in your application could cause problems if there are inconsistencies. For example, in interviews it might be clear you didn't write the essay, or the skill of the essay might not be reflected in your schoolwork and test scores.

Should You Buy an Essay Written by Someone Else?

Let me elaborate. There are super sketchy places on the internet where you can simply buy a pre-written essay. Don't do this!

For one thing, you'll be lying on an official, signed document. All college applications make you sign a statement saying something like this:

I certify that all information submitted in the admission process—including the application, the personal essay, any supplements, and any other supporting materials—is my own work, factually true, and honestly presented... I understand that I may be subject to a range of possible disciplinary actions, including admission revocation, expulsion, or revocation of course credit, grades, and degree, should the information I have certified be false. (From the Common Application )

For another thing, if your academic record doesn't match the essay's quality, the admissions officer will start thinking your whole application is riddled with lies.

Admission officers have full access to your writing portion of the SAT or ACT so that they can compare work that was done in proctored conditions with that done at home. They can tell if these were written by different people. Not only that, but there are now a number of search engines that faculty and admission officers can use to see if an essay contains strings of words that have appeared in other essays—you have no guarantee that the essay you bought wasn't also bought by 50 other students.

• You should get college essay help with both editing and proofreading
• A good editor will ask questions about your idea, logic, and structure, and will point out places where clarity is needed
• A good editor will absolutely not answer these questions, give you their own ideas, or write the essay or parts of the essay for you
• A good proofreader will find typos and check your formatting
• All of them agree that getting light editing and proofreading is necessary
• Parents, teachers, guidance or college counselor, and peers or siblings
• If you can't ask any of those, you can pay for college essay help, but watch out for services or coaches who over-edit you work
• Don't buy a pre-written essay! Colleges can tell, and it'll make your whole application sound false.

Ready to start working on your essay? Check out our explanation of the point of the personal essay and the role it plays on your applications and then explore our step-by-step guide to writing a great college essay .

Using the Common Application for your college applications? We have an excellent guide to the Common App essay prompts and useful advice on how to pick the Common App prompt that's right for you . Wondering how other people tackled these prompts? Then work through our roundup of over 130 real college essay examples published by colleges .

Stressed about whether to take the SAT again before submitting your application? Let us help you decide how many times to take this test . If you choose to go for it, we have the ultimate guide to studying for the SAT to give you the ins and outs of the best ways to study.

Anna scored in the 99th percentile on her SATs in high school, and went on to major in English at Princeton and to get her doctorate in English Literature at Columbia. She is passionate about improving student access to higher education.

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Vivo Energy, Engen complete deal to form ‘pan-African champion’

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21st May 2024

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Engen and Vivo Energy have confirmed the completion of a transaction, announced in February 2023, to combine their respective businesses, with PETRONAS selling its 74% shareholding in Engen to Vivo Energy.

The Vivo Energy Group now has over 3 900 service stations, and more than two-billion litres of storage capacity across 28 African markets and chairperson Chris Bake argued that the combination created a pan-African champion with a vision of becoming Africa’s leading energy business.

It has been confirmed that Phembani Group, Engen’s black-empowerment shareholder since 1999, will remain a 21% shareholder in the South African business.

In addition, a new 5% employee share ownership programme is being created to lift ownership by historically disadvantaged persons in Engen South Africa to 26%.

Phembani Group chairperson Phuthuma Nhleko expressed excitement at partnering with Vivo Energy in the next phase of Engen’s growth.

In a joint statement, Vivo Energy Group CEO  Stan Mittelman and Engen MD Seelan Naidoo indicated that the enlarged Vivo Energy would invest to maintain and grow Engen’s operations in South Africa.

“We have also committed to major investments in renewable solar power generation projects to help transform the economy, while supporting a just energy transition for the country,” Mittelman and Naidoo said.

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ESSA  Bank & Trust Foundation

ESSA Bank & Trust has a long history of charitable giving. In 1998, W. “Jack” Wallie, John E. Burrus, and Richard E. Talbot worked together to create the East Stroudsburg Savings Association Foundation. The Foundation was formed to solidify our belief “in returning to the community a portion of the profits to improve the quality of life.” This philanthropic initiative provided nearly $2 million to the Pocono region for the benefit of health-related programs, arts, education, parks and recreation, and housing.

Today, the ESSA Bank & Trust Foundation, established in 2007, continues the bank’s support of 501©3 organizations in our area and has awarded grants totaling more than $17.5 million to regional entities. As of 2024, the Foundation accepts requests from eligible organizations headquartered within Monroe County on a quarterly basis only, with award size limited to $10,000 per application. Our primary areas of interest remain community health, housing-related programs, education, arts, and parks and recreation.

If you are interested in obtaining information regarding our Foundation’s gifting guidelines and application process, please write to ESSA Bank & Trust Foundation, 200 Palmer Street, P.O. Box L, Stroudsburg, PA, 18360, to the attention of Stephanie Lefferson. You may also choose to send an email to [email protected] or call 570.422.0182.

First-Time Homebuyers Program*

Our First-Time Homebuyers Program walks you through the entire process and provides many financial advantages, if you qualify.

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• Reduced interest rates
• Borrow up to 97% loan-to-value with reduced PMI coverage 1
• Can be utilized in conjunction with other first-time homebuyer assistance programs

Disclosures:

For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.

* Program is available for homes located in Delaware, Lackawanna, Lehigh, Monroe, Northampton and portions of Chester and Luzerne counties. Must meet maximum household income limits based on median household income per county as established annually by HUD as well as bank definition of first-time homebuyer. Speak to an ESSA Mortgage Professional for further details.

1 Loan-to-value (LTV) greater than 80% requires PMI insurance. LTVs between 90-97% have reduced PMI coverage requirements versus standard mortgage loan products.

ESSA participates in the State Transition Reentry Incentive Validating Endeavors (STRIVE) Program in partnership with the Commonwealth of Pennsylvania Department of Corrections. This program is like the CARE & STAR programs which assist offenders in making a successful return to society. ESSA will provide STRIVE program participants and graduates with loans up to $15,000 for housing, education/training, or transportation. To be eligible for a loan, the participants must complete a Financial Literacy Program conducted by ESSA. The Financial Literacy Program is modeled after the FDIC’s Money Smart Program.

ESSA participates in the Supervision to Aid Re-Entry (STAR) Program in partnership with the U.S. District Court for the Eastern District of Pennsylvania. This program is like the CARE program, by assisting offenders in making a successful return to society. ESSA will provide STAR program participants and graduates with loans up to $15,000 for housing, education/training, or transportation. To be eligible for a loan, the participants must complete a Financial Literacy Program conducted by The Fox School of Business at Temple University.

ESSA participates in the Court Assisted Re-Entry (CARE) Program in partnership with the U.S. District Court for the Middle District of Pennsylvania. The CARE Program assists offenders in making a successful return to society. ESSA developed the CARE Loan Program that provides loans up to $15,000 to qualifying active CARE participants and CARE graduates for housing, education/training, or transportation. To be eligible for a loan, CARE participants must complete a Financial Literacy Program conducted by ESSA. The Financial Literacy Program is modeled after the FDIC’s Money Smart Program.

Construction-Permanent Loans

With us, there’s no need to apply for separate construction and permanent mortgages when building a home..

Our loan converts from a construction mortgage to a permanent mortgage upon completion of construction with no change in rate and no fees for conversion; saving you both time and money!

• Pre-qualify to determine an affordable price range for your land/home purchase
• Construction period of 12 months with interest-only billed monthly
• Rate guaranteed for 90 days from application 1
• Both adjustable-rate and fixed-rate mortgages available
• Flexibility to choose your own builder
• Construction inspections and draw payouts performed in a timely manner
• Use the equity in a lot you already own towards your down payment
• Auto-pay credit applied at closing 2

For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA Bank & Trust, Attn: Loan Servicing, P.O. Box L, Stroudsburg, PA 18360-0160.

1 All loans are subject to credit approval.   ESSA  Bank & Trust guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.

2 Is initiated when borrower authorizes automatic payment from an  ESSA  checking account.

Bridge Loans

Out with the old, in with the new.

The distance from your current home to your new home is just a hop, skip and a bridge loan away. If you have sold your existing home, and awaiting closing, you could use its equity to serve as a down payment on your new home. Go ahead, you can raise the roof!

Using Calculators |  Contacting a Mortgage Professional

• Competitive fixed interest rates
• Flexible terms from 3 to 12 months
• Quoted rates are guaranteed for 60 days 1
• Monthly payment of interest only.  Principal due at maturity.
• Loan amounts range from a minimum of $25,000 to $250,000 maximum (when ESSA  will be the first lien)

Disclosure:

1 All loans are subject to credit approval. ESSA  Bank & Trust guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.

Small Business Relationship Manager- Plymouth Meeting

View Job Description

Click  HERE  to fill out our online job application.

In case you do not feel comfortable submitting an application online , you can send your resume as well as salary requirements to our Human Resources Department at  [email protected] , or fax to 570.420.5196 .

You can also send your resume through the mail to: ESSA Bank & Trust Human Resource Services 200 Palmer Street P.O. Box L Stroudsburg, PA 18360-0160 Telephone: 570.421.0531

Teller I- Upper Darby

Teller- wilkes barre, commercial relationship manager- lehigh valley, commercial relationship manager- plymouth meeting, floating teller, bilingual bank teller- allentown, the foundation of any home starts with the right location..

If you are looking to purchase property for the future site of a primary or secondary home, a Lot Loan is the perfect lending solution for you.

• Rate guaranteed for 60 days 1
• 10-acre maximum
• Must be zoned residential
• $5,000 minimum to $100,000 maximum loan amount

For a timely response, you must direct all billing inquiries and requests for information on your loan to: ESSA  Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.

1  All loans are subject to credit approval.  ESSA  Bank & Trust guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.

Commercial Relationship Manager/Commercial Loan Officer- Lehigh Valley

In case you do not feel comfortable submitting an application online , you can send your resume as well as salary requirements to our Human Resources Department at  [email protected] , or fax to 570.420,5196 .

You can also send your resume through the mail to: ESSA Bank & Trust Human Resource Services 200 Palmer Street P.O. Box L Stroudsburg, PA 18360-0160 Telephone: 421.0531

Commercial Credit Analyst II- Bethlehem

Mortgage loan originators- wilkes barre, lehigh valley, philadelphia, call center manager- lehigh valley.

In case you do not feel comfortable submitting an application online , you can send your resume as well as salary requirements to our Human Resources Department at  [email protected] , or fax to 570.420-5196 .

Non-Profit & Foundations

As a leading member of a nonprofit, you carry a tremendous responsibility to balance the mission of your organization with its fiduciary goals. This often includes the structure and management of your investment portfolio. That’s where we can be of great help.

Portfolio Management

ESSA has helped tax-exempt organizations maximize returns, mitigate risks, and create highly customized portfolio solutions that include an appropriate asset allocation strategy.  Our expert advisors will help foster healthy growth and the responsible management of your financial resources.

Endowment Funds

Specially designed for non-profit institutions such as churches, colleges and universities, fire companies, and other 501(c) organizations seeking professional and customized management of an endowment portfolio. We serve as trustees or as investment managers, providing advice in the design of the trust agreement and working closely with you to understand its particular financial objectives.

Foundation Accounts

Generally funded by donations, these accounts are designed to support your charitable institution.

Products offered by Asset Management & Trust: ·Not  FDIC  insured · May go down in value · Not financial institution guaranteed · Not a deposit · Not insured by any federal government agency.

The information in this website is for US residents only.

Fixed-Rate Mortgages

With a fixed-rate mortgage, there are no surprises or unexpected fluctuations; only stable monthly payments that fit your budget..

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• Fixed interest rate
• Rate guaranteed for 60 days from application  1
• 90 day rate locks available  2
• Terms up to 30 years
• Auto-pay credit applied at closing 3

2 Rate lock of up to 90 days is available on purchase transactions with a fee of 0.25% of the loan amount.

3 Is initiated when the borrower authorizes automatic payment from an ESSA  checking account.

Adjustable-Rate Mortgages

Let’s talk about the benefits of an  arm ..

No, not the two you have on your body, an Adjustable Rate Mortgage ( ARM )! If you are looking to purchase a home, this mortgage may offer a lower initial rate which means lower monthly payments. That also means savings for you!

Viewing Rates | Using Calculators | Contacting a Mortgage Professional

• 3, 5, and 7 year  fixed rate  with adjustments annually thereafter
• Rate guaranteed for 60 days from application 1

2  Is initiated when borrower authorizes automatic payment from an  ESSA  checking account.

Jumbo Mortgages

If you are looking to finance a larger scale home, you need a mortgage that works for you. with a jumbo mortgage, don’t just dream it, own it.

• Available as Fixed or Adjustable rates
• Loans from $548,250 to $1,500,000

ESSA’s Rapid Refi

Fast. quick. swift..

All of these are synonyms for the word “rapid.” Why is that important for you to know? Because with our Rapid Refi, you can save some serious cash and quickly, when you refinance your primary or secondary home.

• Terms up to 20 years, fixed-rate or ARM  available
• Maximum loan amount is $350,000

1  All loans are subject to credit approval.  ESSA  Bank & Trust guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive payment of the application fees within 15 calendar days of the application date.

Rehab Loans

Those renovations you’ve been waiting to do can now be easier to accomplish with an  ESSA  Rehab Loan.  You can refinance your existing mortgage to pay for your home improvements.  Or, use this loan to purchase a home that can benefit from repairs.

• Repayment Terms up to 30 years
• Appraisal completed subject to improvements
• $100 auto-pay credit applied at closing 2

Some conditions and restrictions may apply.  Speak to a  Mortgage Professional  for more details.

2 Is initiated when the borrower authorizes automatic payment from an ESSA  checking account.

The Board of Directors understands that ESSA Bank & Trust’s (ESSA’s) reputation for integrity and trust is determined by the conduct of its insiders. In order to protect that reputation, the Board has adopted this policy to ensure ESSA remains a trusted and viable entity in this community.

General Objectives of the Policy

To provide the insiders of this Bank with the standards as to what is and what is not acceptable behavior with regards to conflict of interest. Additionally, the policy will establish a “Code of Ethics” for all insiders.

Specific Goals

Set policy as to what constitutes a conflict of interest. Establish authority as to approval of exceptions to policy.

Establish the authority for the President to require all insiders to submit a statement attesting to their compliance with this policy each calendar year.

Establish the basic “Code of Ethics” to be employed by all insiders during the period for which he or she works for or represents the Bank.

Policy Elements

Conflict of interest policy statement:.

Insiders must not advance their own personal or business interest, or those of others with whom they have a personal or business relationship, at the expense of the Bank. Insiders must, if they have an interest in a matter or transaction before the Board of Directors:

1. Disclose to the Board all material non-privileged information relevant to the Board’s decision on the matter or transaction, including

1. The existence, nature and extent of the insiders’ interest;

2. The facts known to the insider as to the matter or transaction under consideration.

2. Refrain from participating in the Board’s discussion of the matter or transaction, and,

3. Recuse themselves from voting on the matter or transaction (if the insider is a director).

Definitions:

Each executive officer or director and each of his or her related interest (as defined in Regulation O) is deemed to be an insider for the purpose of this policy.

Executive Officers:

Executive officers include division heads, COO & President/CEO.

Related Interests:

A related interest is a company controlled by a person or a political campaign committee controlled by or benefiting a person. A person is generally deemed to be in control if he or she owns 25% of the controlled entity, or owns 10% and is an executive officer or director of the controlled entity.

Transactions:

This includes not only making loans, but also approving overdrafts, accepting checks on uncollected funds, waiving non-sufficient funds (NSF), overdraft, or late

charges, and waiving the requirement for financial statements or collateral documents.

The internal auditor is given the authority to audit all of the elements under this policy as to compliance thereof.

Code of Ethics

1. conflicts of interest.

All transactions with insiders will be made on substantially the same terms as those afforded other ESSA customers to avoid the appearance of preferential treatment. Special attention will be paid by the Board to any potentially excessive salaries or bonuses, director’s fees, fees paid where there is no apparent benefit to the Bank, and fees paid for services not yet received.

No extension of credit shall be granted to any insider of the Bank on more favorable terms, such as a lower interest rate charged, and/or extended maturity than is available to the general public, or in the alternative, is widely available to all ESSA employees.

No deposits shall be accepted from any insider of the Bank on more favorable terms than to any other ESSA customer, including higher interest rates, or longer or shorter maturities.

If any fees or terms are found by the Board to be excessive, the Board shall take prompt corrective action, including requiring restitution to the Bank, to remedy the situation.

The Bank will not purchase any goods or services from a company in which a director has a related interest.

Insiders should not represent the Bank in any transaction where he or she has a material connection or a financial interest.

(Examples of material connections include relatives or close personal friends – whether the transaction involves them as individuals or as principals in a firm doing business with the bank. An example of a financial interest is an insider’s involvement as a proprietor, partner, or joint venture in a firm doing business with the Bank.)

An insider should not accept a directorship of another corporation without the approval of ESSA’s Board of Directors. Charitable and nonprofit organizations are exceptions to this general requirement.

The President/CEO is prohibited from any affiliation with a political campaign committee.

Any insider making investments on behalf of the Bank is prohibited from taking advantage of the special circumstances associated with this duty. Specifically, an insider is prohibited from buying securities for his or her own account through dealers from which he or she buys securities for the Bank’s account. The insider is also prohibited from accepting gifts, entertainment, free travel, and so forth from a securities dealer or from employees who work for a securities firm (except as outlined below in section 4 of this policy). If the insider is ever approached with a deal that would benefit him or her personally, he or she must immediately report the circumstances to the President and the Chairman of the Board and stop placing investment orders through that firm.

2. Confidentiality of Thrift Information

In the course of performing bank duties, insiders acquire confidential information considered to be extremely sensitive by customers.

This information must not be revealed to unauthorized persons, nor should customers’ finances be discussed with others within the bank unless their duties require the information. Information about customers can be released only when authorized by the customer or subpoenaed by a court or the Internal Revenue Service (IRS), and then the information released must be accurate and within the confines of the authorizing document.

No insider of the Bank shall use any inside information to improperly profit for their own benefit. The Board shall make the final determination on any questionable insider information-related transactions made by an insider.

3. Standards for Reporting Personal Transactions That May Affect Thrift Performance

Any actual or potential conflict of interest regarding insiders shall be promptly disclosed to the Board for consideration, whether

intended or unintended.

Each insider will sign the “Statement on Conflict of Interest and Code of Ethics” form annually in the month of October.

Each investment officer will sign the “Investment Officer Code of Conduct Statement” form.

4. Guidelines on Outside Activities

No insider of ESSA shall solicit anything of value from anyone in return for any business service or confidential information of the Bank. No insider of ESSA shall accept anything of value other than bona fide salary, wages, fees, or other compensation paid in the usual course of business from anyone in connection with the business of the Bank, either before or after a transaction is discussed or consummated.

Exceptions to this requirement include items offered based on a family or personal relationship, independent of any business of ESSA, the benefit is available to the general public under the same conditions, or the item would be paid for by the Bank as a reasonable business expense if it were not paid for by another party. Advertising materials, gifts relating to commonly recognized events, and certain awards also qualify as exceptions to this provision. Any ESSA insider who is offered or receives anything of value beyond what is authorized in this exception must disclose that fact to the Board.

Acceptance of Gifts: Bank officers may accept small gifts or other items of value from business associates of the bank, as long as all such acceptances are properly disclosed and the dollar value is considered nominal. Gifts valued up to $50 may be accepted without prior approval. Gifts exceeding $50 must receive the approval of the Board of Directors before acceptance. Insiders may accept the following types of items from individuals doing or seeking to do business with ESSA:

Meals, gratuities, amenities, or favors based on obvious family or personal relationships.

Meals, refreshments, travel arrangements, accommodations, or entertainment of reasonable value in the course of a meeting or other bona fide business occasion.

Loans from other financial institutions when made on customary terms for the purpose of financing proper and usual activities. It is the responsibility of the insider accepting the loan to ensure that the loan is not contingent upon ESSA accepting or offering any other service. The insider must also ensure that any loan from a correspondent of ESSA is made on an arm’s length basis and does not include any preferential terms.

Advertising or promotional material of reasonable value (pens, note pads, calendars, etc.).

Discounts or rebates on merchandise or services that are available to other similar customers.

Gifts of reasonable value related to commonly recognized events or occasions such as promotion, wedding, retirement, holiday, etc.

Civic, charitable, educational, or religious organizational awards for recognition of service and accomplishments.

Other benefits or items of value, when approved, in writing, on a case-by-case basis.

5. Protection of Institution Property

An insider may not make use of ESSA’s facilities for their own benefit, real or personal property, or personnel.

6. Compliance with Laws and Regulations

The Bank’s loans to any insider shall be made on terms no more favorable than those available at the same time to non-insiders for comparable transactions. They will carry no more than a normal risk of failure to repay, and have no unfavorable features.

If a loan to an insider exceeds the higher of $25,000 or 5% of the Bank’s unimpaired capital and surplus, the extension of credit must be approved in advance by a majority of the entire Board. The interested party will abstain from participating directly or indirectly in the voting. This abstention will be noted in the Board’s minutes. Prior approval of the Board must be obtained for any size loan if the aggregate amount of credit exceeds $500,000.

ESSA will make no loan to any insider or related interest that exceeds the regulatory aggregate lending limit of the Bank.

Any extension of credit by the Bank to an insider or related interest must be preceded by the submission of a detailed current financial statement to the Board. Any loan thus made to an executive officer shall be subject to the condition that the extension of credit shall become due and payable on demand at any time that the officer is indebted to an other bank(s) in an aggregate amount greater than the specified limit for the Bank.

Any overdraft being paid by ESSA on behalf of its executive officers and/or directors on an account at the Bank will be made in accordance with a written, pre-authorized interest-bearing extension of credit plan that specifies a method of repayment, or in accordance with a written, pre-authorized transfer of funds from another account of the account holder at the Bank. In the alternative, any such overdraft must be inadvertent, aggregating $1,000 or less, and remain outstanding for less than five days. The insider will be charged the same fee charged for any other customer of the Bank in similar circumstances.

Record keeping of insider transactions shall be as follows: records shall identify all executive officers, directors and their related interest, and the amount and terms of each extension of credit from ESSA to the person and their related interest. Records of publicly requested disclosures of information shall also be maintained. All records listed here shall be kept on file for a minimum of three years.

7. Procedures for Ensuring Compliance with the Code

ESSA will establish a system to administer and monitor compliance with this policy. This system will ensure that all insiders are trained, kept aware of, and provided with interpretive advice and assistance in dealing with insider issues. The President/CEO is charged with the responsibility of soliciting the “Statement on Comprehensive Insider Code of Ethics and Conflict of Interest” on an annual basis from all insiders. This system will annually require the Compliance Officer to collect the “Statement on Comprehensive Insider Code of Ethics and Conflict of Interest” forms. These forms will be maintained at that office.

8. Consequences of Non-Compliance

Failure to comply with this policy may result in the termination of employment. The action taken will be commensurate with the seriousness of the conduct and an evaluation of the situation. All violations of this policy will be brought to the attention of the board of directors. Termination of employment may be determined by an officer who is the direct or indirect supervisor of the employee concerned.

Living Trusts

Revocable living trusts are a popular way to streamline personal finances and gain the benefits of professional management. These trusts allow your personal trustee to consolidate investments into one comprehensive account, maintain financial records of investments and expenses, handle bill payments, prepare taxes, and resolve issues with medical insurance and Medicare.

Finding a Branch   | Exploring Estate Planning | Contacting a Trust Officer

Our History

ESSA Bank & Trust (ESSA) was established in 1916 when Mr. John Gish founded the East Stroudsburg Building & Loan Bank in East Stroudsburg, PA. A number of strategic mergers during the early years resulted in a name change to East Stroudsburg Savings Association. As a result, by 1971, assets had grown to $20 million dollars.

As ESSA grew, so did our branch network. Between 1971 and 2004 ESSA added numerous branches throughout Monroe County. ESSA also was excited to form the ESSA Foundation, a 501(c)3 organization. The bank earmarked 10% of its net income each year for the foundation to use in awarding grants to charitable organizations in our community which enhance housing programs, parks and recreation, educational programs, community health and the arts.

In 2003, the bank completed construction of a new corporate headquarters in downtown Stroudsburg. That same year, the bank’s assets reached a new milestone at $500 million dollars.

Founded in 1916 as a traditional thrift institution, the bank had added a spectrum of other banking and investment services.  In 2006, ESSA underwent its third name change. The new name ESSA Bank & Trust more accurately reflected the banking institution they had become.

Since growth and serving more people remained at the center of ESSA’s goals, the leadership determined the best way to fuel that growth would be to convert from a mutual bank to a publicly owned entity. In 2006, ESSA Bancorp, Inc., the holding company for ESSA Bank & Trust, received regulatory approval to complete its conversion. By 2007 the ESSA Foundation was replaced by the new ESSA Bank & Trust Foundation which is now funded by ESSA Bancorp Stock. Giving back remains a key part of our mission today.

The bank’s assets reached $1 Billion in 2009. Rapid branch growth followed as multiple branches were added and the bank expanded in the Lehigh Valley market. The bank also added ESSA Advisory Services during that time. A strategic merger and acquisition allowed ESSA to expand its Lehigh Valley footprint by adding nine branches. After the acquisition assets reached $1.5 billion.

Between 2014 and 2015, ESSA made additional acquisitions which allowed the bank to grow into several new markets including Philadelphia and the Wilkes-Barre Scranton areas. Deepening relationships and enhancing ESSA’s ability to serve more individuals and businesses has been the driving force behind each decision that was made.  As of April 28, 2021, ESSA Bank & Trust had Total Liabilities and Stockholder’s Equity of $1,969,789.

It’s hard to imagine that John Gish could have envisioned that the institution he founded 105 years ago to meet the housing needs of Monroe County would evolve into what it is today. ESSA is truly thankful to all the individuals and businesses that have allowed us to enjoy such success. We look forward to the future.

Charitable Trusts

Charitable Trusts are a time-honored way to minimize taxes, preserve your legacy, and provide you with income while positively contributing to society. If you have charitable interests, allow us to discuss the various options and tailor a plan that is right for you.

Finding a branch | Exploring Estate Planning | Contacting a Trust Officer

Guardianships

Courts appoint guardians to manage the assets of incapacitated individuals. Our Trust Officers have the special training and experience to administer these complex arrangements. As guardians, we invest the assets properly, file inventories and reports with the court in a timely manner, and make sure that expenditures are appropriately made.

Finding a Branch | Exploring Estate Planning | Contacting a Trust Officer

Special Needs Trusts

Special needs trusts provide financial management for disabled individuals without affecting their ability to qualify for government benefits such as Social Security and Medicaid. Funding of these trusts can come from an immediate transfer of assets, transfer by will from an estate, life insurance proceeds, or the disabled person’s own assets.

Finding a Branch  | Exploring Estate Planning | Contacting a Trust Officer

Testamentary Trusts

Testamentary trusts are usually included in your will and take effect upon your death. These trusts are used by parents of adult children who need asset protection and by parents of minor children to delay or control the flow of inheritance. Married couples often use testamentary trusts for tax planning purposes and to provide professional financial management for a surviving spouse.

Finding a branch   | Exploring Estate Planning | Contacting a Trust Officer

IRA Rollovers

Each time you change jobs, or when you retire, you may be left wondering what to do with the money in your retirement plan. Adding to your concerns are taxes, inflation and the threat of dwindling Social Security benefits. All can have a significant impact on your retirement, so it’s important for you to make informed decisions. That’s where we can help.

When you own multiple accounts – including 401(k)s, 403(b)s, and other retirement plans – from former employers, you may be able to transfer most of those retirement assets into an IRA for easier management. Our Trust Officers are prepared to help you understand your options, along with the advantages and disadvantages of each.

Key reasons for consolidating retirement accounts include:

• Your strategy becomes more organized
• Record keeping and paperwork are reduced
• Diversifying assets and monitoring account value are simplified
• Calculating required minimum distributions is easier
• Tax deferral is continued

Investment Mortgages

If you have always had an eye for investing and a desire to own a rental property, our investment mortgage may be your best option..

We look forward to helping your investment property 1 dreams become a reality.

• Fixed and Adjustable rate  options
• Rate guaranteed for 60 days from application 2

1 Investment Property is defined as a 1-4 family non-owner occupied property.

2 All loans are subject to credit approval.  ESSA  Bank & Trust guarantees the interest rate effective on the date we receive the application and for which the loan request qualifies provided that we receive the application fees within 15 calendar days of the application date.

To protect your account, we monitor your 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 will send a text notification to the cell phone on file for you to validate the transaction(s).  If you do not respond to the text message(s), we may call you.  Your participation in responding to our text or call is critical to prevent potential risk and avoid restrictions that we may place on the use of your card.

Our automated text or call will ask you to verify recent transaction activity on your card, which you will be able to do via your touch-tone keypad.  If you prefer not to use the automated call system, take note of your case # and then call our fraud center at 877.253.8964 .

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  or our customer support at 855.713.8001 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.

Open an ESSA account anywhere, anytime.

Current Customers

ESSA ’s Monitoring for Debit Card Fraud:

How to apply.

If you have any questions, you can fill out our online contact us form, give us a call , or stop by one of our branches to speak with a customer service representative.

Are you ready to get started? Contact us by email , give us a call , or visit any of our  branch locations  during normal business hours to learn more about finding the right lending solution for you.

ACH Origination

On the many highways of running a business, you occasionally hit some speed bumps when it comes to cash management. With our ACH Origination service, you will be able to move money, pay employees, and electronically pay/collect bills with the push of a few buttons. Increase efficiency and accuracy while reducing costs. Say goodbye to the red lights and hello to the possibilities!

• Reduce costs with direct deposits and direct payments
• Enjoy simplified payroll disbursement and account reconciliation
• Immediate access to funds