# Ephrata National Bank

> Official website for Ephrata National Bank.

## Main Pages

- [Accessibility Statement](https://www.epnb.com/accessibility/): Read ENB’s Accessibility Statement and learn about our commitment to providing equal access to our website, services, and banking support.
- [Business Solutions](https://www.epnb.com/business-solutions/): Business Solutions Whether you’re looking to improve cash flow, simplify payments, or get paid faster, our business banking experts help identify opportunities to make managing your finances easier. TALK WITH…
- [CRA Public File Information](https://www.epnb.com/cra/): CRA Public File Information The Community Reinvestment Act (CRA) encourages financial institutions to help meet the credit needs of the communities in which they do business, including low-and moderate-income (LMI)…
- [Home](https://www.epnb.com/): Ephrata National Bank offers personal, business, and ag banking solutions, plus online and mobile banking, residential loans, and merchant services to help you grow and thrive.
- [Internal Answers](https://www.epnb.com/internal-answers/): Information about Internal Answers from Ephrata National Bank.
- [Investment Services](https://www.epnb.com/investment-services/): ENB InvestmentServices ENB Investment Services Travel. Family. Freedom. Whatever retirement looks like for you, our local advisors will help you build a plan – wherever you're starting from. Talk With…
- [Privacy Policy](https://www.epnb.com/privacy/): Read ENB’s Privacy Policy to learn how we collect, use, and protect your personal information and your privacy rights as our customer.
- [Rates](https://www.epnb.com/rates/): Rates Certificate of Deposit Rates Super Saver Rates Statement Savings Rates Interest Checking Rates Personal Money Market Rates ENB HomeLine Rates Secured Loan Rates Unsecured Fixed Rate Loan Rates Vehicle…
- [Site Map](https://www.epnb.com/site-map/): Information about Site Map from Ephrata National Bank.
- [Welcome Cecil Bank](https://www.epnb.com/welcome-cecil/): Welcome Cecil Bank customers to Ephrata National Bank! Learn about the transition, key dates, FAQs, and how your accounts and services will continue as Cecil Bank becomes part of ENB’s community banking family.

## Business

- [Business Checking Accounts](https://www.epnb.com/business/bank/checking/): Free and interest-earning business checking accounts from Ephrata National Bank. Simple tools, local support, and no surprises – built for businesses in Lancaster, Lebanon, and Berks counties.
- [Business Savings & Money Market](https://www.epnb.com/business/bank/savings/): ENB business savings and money market accounts help you earn interest on extra cash while keeping your funds accessible for your business across Lancaster, Lebanon, and Berks counties.
- [Agricultural Loans](https://www.epnb.com/business/borrow/agriculture/): Support your farm or agricultural operation with financing from Ephrata National Bank. We offer agricultural loans and lines of credit for equipment, land, livestock, and day-to-day operations.
- [Business Credit Cards](https://www.epnb.com/business/borrow/business-credit-cards/): Manage everyday business expenses with a business credit card from Ephrata National Bank. Get a simple way to track spending, separate business and personal purchases, and give authorized employees access to a card.
- [Business Loans](https://www.epnb.com/business/borrow/loans/): Business Loans – flexible financing options to help your business grow, manage cash flow, purchase equipment, or invest in commercial property. Work with ENB’s experienced lenders to find a business loan or line of credit that fits your goals.
- [Small Business Loans](https://www.epnb.com/business/borrow/small-business/): Get financing to help start, grow, or support your business. Ephrata National Bank offers small business loans and lines of credit with local decision-making and guidance you can understand.
- [Business Retirement Plans](https://www.epnb.com/business/manage/retirement/): Help your employees save for the future with business retirement options from Ephrata National Bank. We’ll help you understand your choices and choose a plan that fits your business.
- [Cash Management](https://www.epnb.com/business/manage/cash/): Take control of your business cash flow with cash management services from Ephrata National Bank. From payment and collection tools to fraud protection features, we’ll help you manage your money efficiently and confidently.
- [Cash Sweep](https://www.epnb.com/business/manage/cash-sweep/): Automatically move excess business balances with a DDM Sweep from Ephrata National Bank to manage cash efficiently. Let a local bank help you manage your business efficiently and successfully.
- [Mobile & Online Business Banking](https://www.epnb.com/business/manage/online-mobile-banking/): Business and Mobile Online Banking – secure, easy access to your ENB business accounts online and on the go. Manage business payments, transfers, deposits, billing, statements, and cash flow with our online platform and mobile app.
- [Payment Processing](https://www.epnb.com/business/manage/payment-processing/): Make it easier for customers to pay your business. Ephrata National Bank’s Merchant Services help you accept credit and debit card payments in person, online, or over the phone.

## Connect

- [Contributions](https://www.epnb.com/connect/community/contributions/): See how ENB supports Lancaster County through charitable giving, local partnerships, and employee volunteer efforts that strengthen our community.
- [Events](https://www.epnb.com/connect/community/events/): Information about Events from Ephrata National Bank.
- [Grants](https://www.epnb.com/connect/community/grant/): Learn about ENB grants and scholarships that support local students and nonprofit organizations across Lancaster County.
- [Brossman](https://www.epnb.com/connect/community/grant/apply/brossman/): Brossman Grant Application Brossman Grant Application Online Form - Brossman Grant Application Powered by Formstack
- [Weidman](https://www.epnb.com/connect/community/grant/apply/weidman/): Weidman Grant Application Weidman Grant Application Online Form - Weidman Trust Application Powered by Formstack
- [Pigs in the Park](https://www.epnb.com/connect/community/pigs-in-the-park/): Pigs in the Park The Pigs have been found! Join the hunt again in 2027! learn more The 2026 Piggy Banks Have Been Found! Our official events are events are…
- [Scholarships](https://www.epnb.com/connect/community/scholarships/): Scholarships We're proud to support the students who will shape the future of our community. See Application Details Investing in the Next Generation Each year, we award four scholarships to…
- [Applications](https://www.epnb.com/connect/community/scholarships/applications/): Grant Applications Grant Application Assistance Thank you for your interest in our grant opportunities. Please provide your contact information and a member of our team will get back to you…
- [About Us](https://www.epnb.com/connect/connect/about/): Learn about Ephrata National Bank— our history, leadership, and commitment to serving Lancaster County with trusted, community-focused banking.
- [Careers](https://www.epnb.com/connect/connect/careers/): Explore careers at ENB and grow with a community bank that values service, teamwork, and local impact in Lancaster County.
- [Contact Us](https://www.epnb.com/connect/connect/contact/): Have a question? Contact ENB by phone, email, or online. We’re here to help with your accounts, cards, online banking, and more.
- [Locations](https://www.epnb.com/connect/connect/locations/): Find an ENB branch or ATM near you. View hours, directions, and contact details for our Lancaster County community banking locations.
- [Akron](https://www.epnb.com/connect/connect/locations/akron/): Information about Akron from Ephrata National Bank.
- [Blue Ball/East Earl](https://www.epnb.com/connect/connect/locations/blue-ball-east-earl/): Information about Blue Ball/East Earl from Ephrata National Bank.
- [Denver](https://www.epnb.com/connect/connect/locations/denver/): Information about Denver from Ephrata National Bank.
- [Elizabethtown](https://www.epnb.com/connect/connect/locations/elizabethtown/): Information about Elizabethtown from Ephrata National Bank.
- [Elkton](https://www.epnb.com/connect/connect/locations/elkton/): Information about Elkton from Ephrata National Bank.
- [Ephrata Cloister](https://www.epnb.com/connect/connect/locations/ephrata-cloister/): Information about Ephrata Cloister from Ephrata National Bank.
- [Ephrata Main Street](https://www.epnb.com/connect/connect/locations/ephrata-main/): Information about Ephrata Main Street from Ephrata National Bank.
- [Ephrata Main Street Drive-Up](https://www.epnb.com/connect/connect/locations/ephrata-main-street-drive-up/): Information about Ephrata Main Street Drive-Up from Ephrata National Bank.
- [Fair Hill](https://www.epnb.com/connect/connect/locations/fair-hill/): Information about Fair Hill from Ephrata National Bank.
- [Georgetown](https://www.epnb.com/connect/connect/locations/ephrata-georgetown/): Information about Georgetown from Ephrata National Bank.
- [Hinkletown/New Holland](https://www.epnb.com/connect/connect/locations/hinkletown-new-holland/): Information about Hinkletown/New Holland from Ephrata National Bank.
- [Kissel Hill](https://www.epnb.com/connect/connect/locations/kissel-hill/): Information about Kissel Hill from Ephrata National Bank.
- [Leola](https://www.epnb.com/connect/connect/locations/ephrata-leola/): Information about Leola from Ephrata National Bank.
- [Lititz](https://www.epnb.com/connect/connect/locations/lititz/): Information about Lititz from Ephrata National Bank.
- [Manheim](https://www.epnb.com/connect/connect/locations/manheim/): Information about Manheim from Ephrata National Bank.
- [Morgantown](https://www.epnb.com/connect/connect/locations/morgantown/): Information about Morgantown from Ephrata National Bank.
- [Myerstown](https://www.epnb.com/connect/connect/locations/myerstown/): Information about Myerstown from Ephrata National Bank.
- [North East](https://www.epnb.com/connect/connect/locations/north-east/): Information about North East from Ephrata National Bank.
- [Quarryville](https://www.epnb.com/connect/connect/locations/quarryville/): Information about Quarryville from Ephrata National Bank.
- [Rising Sun](https://www.epnb.com/connect/connect/locations/rising-sun/): Information about Rising Sun from Ephrata National Bank.
- [Strasburg](https://www.epnb.com/connect/connect/locations/strasburg/): Information about Strasburg from Ephrata National Bank.
- [Tec Centro](https://www.epnb.com/connect/connect/locations/tec-centro/): Information about Tec Centro from Ephrata National Bank.

## Personal

- [CDs & IRAs](https://www.epnb.com/personal/bank/cds-iras/): Secure your legacy with a CD or IRA from Ephrata National Bank based in Lancaster, PA. Local support, expertise, and guidance from a bank that knows your neighborhood and puts you first.
- [Checking Accounts](https://www.epnb.com/personal/bank/checking/): Discover ENB Momentum checking from Ephrata National Bank serving Lancaster County. ENB Momentum keeps you moving forward. No monthly fees, free debit card, mobile banking.
- [Savings & Money Market](https://www.epnb.com/personal/bank/savings/): Ephrata National Bank offers flexible savings options, money market accounts, and HSAs with no-hassle digital banking.
- [Car & Vehicle Loans](https://www.epnb.com/personal/borrow/car/): Auto & Vehicle Loans Finance your next vehicle with confidence. Apply Now Vehicle Loans That Fit Your Life and Budget Buying a car comes with enough decisions. Your loan shouldn’t…
- [Construction & Renovation Loans](https://www.epnb.com/personal/borrow/construction-renovation/): Construction & Renovation Loans Build or renovate with confidence. Contact a Lender Mortgage Draw Request Your Vision, Your Timeline We make financing the easy part. Get the right loan for…
- [First Step](https://www.epnb.com/personal/borrow/first-step/): The First Step to Your Own Doorstep Your path to homeownership begins with ENB. Apply Now
- [HomeLine](https://www.epnb.com/personal/borrow/homeline/): HomeLine Your flexible way to borrow against your home’s equity – with clarity and control. Apply Now One line of credit. Many possibilities. HomeLine combines the flexibility of a home…
- [Home Loans & Mortgages](https://www.epnb.com/personal/borrow/mortgages/): Explore ENB mortgage options, compare rates, and get pre-approved with guidance from our lending team. Start your home financing journey today.
- [Draw Request](https://www.epnb.com/personal/borrow/mortgages/draw-request/): Mortgage Draw Request Form Mortgage Draw Request Online Form - Mortgage Draw Request Form Powered by Formstack
- [NMLS Registered Lenders](https://www.epnb.com/personal/borrow/nmls-registered-lenders/): NMLS Registered Lenders Ephrata National Bank Registered Mortgage Loan Originators (MLOs) Effective Date: 10/20/2026 Employee Name ID Number Melissa M. Argall 783861 Johalys A. Bencosme 2821551 Christy Biggs 2874183 Conrad…
- [Personal Credit Card](https://www.epnb.com/personal/borrow/credit-cards/): Explore Ephrata National Bank credit card options with convenient features, easy account access, and local support. Compare cards and apply today.
- [Personal Loans](https://www.epnb.com/personal/borrow/loans/): A personal credit card from Ephrata National Bank can support you through whatever life throws your way. Trust your local expert and guide at Ephrata National Bank for your credit card needs.
- [Student Loans](https://www.epnb.com/personal/borrow/student/): Student Loans We’ll help you invest in your future. Learn More Student Loan Options That Fit Your Needs Whether you’re planning for college, heading to grad school, or looking to…
- [Mobile & Online Banking](https://www.epnb.com/personal/tools/online-mobile-banking/): Online and Mobile Banking With ENB Online and Mobile Banking, you can manage your money on your schedule from wherever you are. Learn More Enroll Now Easy Banking Wherever You…

## Resources

- [Blog](https://www.epnb.com/resources/learn/blog/): Explore the Ephrata National Bank blog for practical financial tips, local insights, and guidance to help you make confident banking decisions.
- [Calculators](https://www.epnb.com/resources/learn/calculators/): Use Ephrata National Bank’s financial calculators to estimate loan payments, mortgage costs, savings growth, and more - so you can plan with confidence.
- [Fee Schedule](https://www.epnb.com/resources/tools/fee-schedule/): Fee Schedule Fee Schedule effective February 2, 2026.Denotes Change for 2021 Deposit Accounts Personal CheckingNo Fee Business CheckingNo Fee Bonus Checking Overdraft Protection$12/Transfer(Available for business and personal accounts) Interest Checking$15/Month(Balance…

## Wealth

- [ENB Investment Services](https://www.epnb.com/wealth/plan/investment/): Get clear, personalized investment guidance from Ephrata National Bank Investment Services. We’ll help you plan for retirement, explore investment options, and make informed decisions with confidence.
- [Legacy](https://www.epnb.com/wealth/plan/legacy/): Plan for the future of your family and your assets with Legacy Wealth Services from Ephrata National Bank. We’ll help you think through long-term goals and pass on what matters most.

## Posts

- [Roth or Regular](https://www.epnb.com/roth-or-regular/): Taking Advantage of a Roth Contribution Option Can Give You Some Flexibility in Retirement According to Vanguard’s “How America Saves 2024,” 82% of employers offer a Roth 401(k)…
- [Market Swings: What Really Matters](https://www.epnb.com/market-swings-what-really-matters/): Practical Ways To Manage Market Volatility Without Overreacting Market ups and downs can feel unsettling – especially when headlines highlight sharp swings from one day to the next.…
- [Reality Check on Your Retirement Savings](https://www.epnb.com/reality-check-on-your-retirement-savings/): Whether you’re 23 or 35, it’s important to know whether you are saving enough for your retirement. There is no time like the present to ensure you are…
- [Ephrata National Bank Announces the Promotion of SVP, Human Resources Officer](https://www.epnb.com/ephrata-national-bank-announces-the-promotion-of-svp-human-resources-officer/): Ephrata National Bank is pleased to announce the promotion of Ashley Bowman to Senior Vice President, Human Resources Officer. In this role, Bowman will provide strategic leadership for…
- [What Closing Costs to Expect](https://www.epnb.com/what-closing-costs-to-expect/): You’re ready to buy a new home. You’ve agreed on a price, have a mortgage ready, and booked the movers. However, there is one final expense you’ll need…
- [Ephrata National Bank announces the promotion of SVP, Controller](https://www.epnb.com/ephrata-national-bank-announces-the-promotion-of-svp-controller/): Ephrata National Bank announces the promotion of Jennifer Halligan, CPA to Senior Vice President, Controller. In this role, she will continue to oversee the day-to-day financial operations of…
- [What Is PMI?](https://www.epnb.com/what-is-pmi/): Private mortgage insurance (PMI) is an often-overlooked cost that homeowners may need to pay when buying their new home. Understanding PMI can help you to avoid paying it…
- [Ephrata National Bank announces the addition of a Community Banking Manager](https://www.epnb.com/ephrata-national-bank-announces-the-addition-of-a-community-banking-manager/): Ephrata National Bank announces the addition of Louise Diem as Community Banking Manager, overseeing the Akron Office. In this role, she will be responsible for managing the office,…
- [Debt Consolidation, Quickly Explained](https://www.epnb.com/debt-consolidation-quickly-explained/): Let’s look at what debt consolidation is and how it can help you get out of debt faster.
- [Ephrata National Bank announces the promotion of VP, Regional Community Banking Officer](https://www.epnb.com/ephrata-national-bank-announces-the-promotion-of-vp-regional-community-banking-officer/): Ephrata National Bank announces the promotion of Susan Lopez to VP, Regional Community Banking Officer. In this role, she will oversee multiple community banking offices and provide strategic…
- [Understanding Credit Scores and Reports](https://www.epnb.com/understanding-credit-scores-and-reports/): Understanding credit scores and credit reports is crucial for anyone looking to achieve financial success.
- [Ephrata National Bank announces the addition of a Financial Advisor](https://www.epnb.com/ephrata-national-bank-announces-the-addition-of-a-financial-advisor/): Ephrata National Bank announces the addition of Judith Frantz as an LPL Financial Advisor. Frantz joins the ENB Investment Services* team with more than 30 years of financial…
- [Get the Facts About Adjustable-Rate Mortgages](https://www.epnb.com/get-the-facts-about-adjustable-rate-mortgages/): You’ll want to weigh your options carefully and choose the type of mortgage that makes the most sense for your individual situation.
- [Ephrata National Bank announces the addition of three Community Banking Officers](https://www.epnb.com/ephrata-national-bank-announces-the-addition-of-three-community-banking-officers/): Ephrata National Bank announces the addition of three Community Banking Managers—Shannon Meter, Gregory Verbosky, and Brianna Zimmerman. In their roles, they will be responsible for managing their offices,…
- [How to Spot and Prevent Overpayment Scams](https://www.epnb.com/how-to-spot-and-prevent-overpayment-scams/): In today’s interconnected world, scammers continually devise new ways to exploit trust within financial transactions. One common scheme that preys on our kindness is the overpayment scam. Both…
- [Hidden Money in Your House – Understanding, Building, and Accessing Home Equity](https://www.epnb.com/hidden-money-in-your-house-understanding-building-and-accessing-home-equity/): If you own a home, building home equity — the value of your home minus what you owe on your mortgage — is an important long-term strategy for…
- [Ephrata National Bank announces the promotion of two ENB Employees](https://www.epnb.com/ephrata-national-bank-announces-the-promotion-of-two-enb-employees-2/): Ephrata National Bank is proud to announce the promotion of Bryan Glatfelter and Jeanette Lamson to Assistant Vice President positions within the organization. Glatfelter has been promoted to…
- [Don’t Be Fooled by Fake AI Extensions](https://www.epnb.com/dont-be-fooled-by-fake-ai-extensions/): What Is the Fake AI Tools Scam? The fake AI tools scam involves cybercriminals creating bogus AI-based productivity apps or browser extensions that appear legitimate. These tools promise…
- [How to Shield Your Business From AI-Generated Fraud](https://www.epnb.com/how-to-shield-your-business-from-ai-generated-fraud-2/): "AI-crafted phishing emails and spoofed websites are becoming increasingly difficult to identify. Equipping your business with enhanced verification processes as well as strong employee training programs can assist…
- [Ready to Start a Retirement Plan? These Tax Breaks Make It Easier.](https://www.epnb.com/ready-to-start-a-retirement-plan-these-tax-breaks-make-it-easier/): For small businesses, offering a retirement plan such as a 401(k) or SIMPLE IRA is much more than an employee perk. It’s a powerful way to attract and…
- [Retirement Plan Recordkeeping / Fiduciary Responsibilities](https://www.epnb.com/retirement-plan-recordkeeping-fiduciary-responsibilities/): Recordkeeping is the backbone of employee retirement plans. It ensures that contributions are tracked accurately, investments are properly managed, and employees can confidently monitor their progress toward retirement.…
- [Ephrata National Bank announces the promotion of two ENB Employees](https://www.epnb.com/ephrata-national-bank-announces-the-promotion-of-two-enb-employees/): Ephrata National Bank is pleased to announce the promotion of two ENB employees – Krystle Buchter and Andrea Devine. Buchter has been promoted to Assistant Vice President, Fraud/Security…
- [Ephrata National Bank announces the promotion of three ENB Employees](https://www.epnb.com/ephrata-national-bank-announces-the-promotion-of-three-enb-employees/): Ephrata National Bank is pleased to announce the promotion of three ENB employees—Randy Covington, Matthew McKinney, and Tyler Trettin. Randy Covington has been promoted to SVP, Chief Administrative…
- [Homeowners Beware: Don’t Be Fooled by Mortgage Relief Scams](https://www.epnb.com/homeowners-beware-dont-be-fooled-by-mortgage-relief-scams-3/): Homeowners Beware: Don’t Be Fooled by Mortgage Relief Scams When times are tough, you can count on scammers to take advantage of the situation. Homeowners who are experiencing…
- [Are Mortgage Points Worth It?](https://www.epnb.com/are-mortgage-points-worth-it/): Whether you’re a first-time homebuyer or just haven’t gone through the process in a while, you may be wondering what mortgage points are and if paying for points…
- [Why You Should Consider Opening a HELOC Before Retirement](https://www.epnb.com/why-you-should-consider-opening-a-heloc-before-retirement/): Should you tap into your home equity before you retire? Learn about the best uses for a home equity line of credit and when you should open one.
- [How to Ensure Your Inheritance Is Handled Responsibly](https://www.epnb.com/how-to-ensure-your-inheritance-is-handled-responsibly/): Planning an estate is challenging, and it becomes even more complex when you worry that your child might not handle their inheritance responsibly. As a parent, you want…
- [Essential Steps to Prevent Check Fraud](https://www.epnb.com/essential-steps-to-prevent-check-fraud/): Even with the rise of digital payments, traditional paper checks remain prevalent in certain industries and are still a prime target for fraud. Criminals exploit vulnerabilities in the…
- [When to Lock in Your Mortgage Interest Rate](https://www.epnb.com/when-to-lock-in-your-mortgage-interest-rate/): Finding the perfect house for your family is one of the most important parts of the homebuying process. But it’s not the only thing you need to do…
- [Ephrata National Bank Opens New Office at Tec Centro Lancaster to Expand Financial Services Access](https://www.epnb.com/ephrata-national-bank-opens-new-office-at-tec-centro-lancaster-to-expand-financial-services-access/): Ephrata National Bank (ENB) opened its newest office on July 31, 2025, located inside Tec Centro Lancaster, a workforce development center operated by the Spanish American Civic Association…