Answers

Yes, it is important that our auditors receive your verification. The auditor must perform alternative procedures to verify information if the document is not returned. We appreciate your cooperation!

No. ENB Online Banking security questions are not case sensitive.

No. ENB only uses security questions as an extra layer of security while we learn customers online behavior. After 60 days and 20 Online Banking logins, security questions will no longer be asked. Both conditions must be met.

No, ENB will only make payments via direct deposit, but the field cannot be masked in Horizon.

No. Customers must be present in the branch to order foreign currency.

You must use the provided stamped envelope to return the form. This is to ensure the integrity of your response.

Currently, ENB customers cannot make deposits at Allpoint ATMs. However, deposits are available at any ENB ATM. Check out the videos below to learn how.

To schedule an appointment to open an account, contact any ENB Community Banking Office or call our Customer Service Center at (877) 773-6605 and we will be happy to find a time that works with your schedule. You may also request a date and time using the Contact Form found below.

To schedule an appointment with your relationship manager contact our Customer Service Center at (877) 773-6605 or complete the Contact Form found below.

Yes, there are two ways to transfer funds outside of ENB:**1. Zelle®*** Set up Zelle® through Online Banking using the Move Money Section. * You'll need to enroll with your mobile number or email address.**2. External Account Transfer*** Connect an external account using Connect An Account under the Accounts section. * Select Add an External Transfer Account. You will link your external account using its routing and account number.Once linked, you can transfer funds by selecting the Transfer button.

Yes. Ordering foreign currency is a service provided for ENB customers only.

We have a number of different types of credit cards to fit your different credit needs. Click the link below for details about our Secured Credit Card and the other types of credit cards that are available.

ENB uses LanguageLine as our interpretation solution. Follow the Quick Reference Guide below to access an interpreter in your desired language.

Yes, ENB offers a variety of insurance to keep our customers safe. The right insurance protection is a key component of financial wellbeing as it protects the assets of you and/or your business in the event of a disaster or calamity. Insurance options include vehicle, property, business, life and more. For detailed information or to request a quote, please click the link below.

ENB provides coin counting of loose change for customers at all of our full service locations. This service is free for customers who have an account relationship with ENB. We do not provide this service to non-customers but will gladly open an ENB deposit account for non-customers who would like to take advantage of this service. If there is a sizable amount of change to be counted, we reqest customers schedule an appointment so we can be prepared to accommodate this request in a timely manner. ENB's coin counting machines are not accessible to the public. A branch representative can assist with this request.

ENB provides basic notary services, such as notarized signatures, **for bank-related documents only**. Please call your local ENB Community Banking Office to make an appointment. You will need to bring along a valid photo ID.

Yes. Checking accounts have daily withdrawal limits. Personal checking account holders can withdraw up to $3,000.00 per day. Business checking account holders can withdraw up to $5,000.00 per day.

Customers can access their Elan credit card information through ENB's Online and Mobile Banking platforms. They can also use Elan's direct site, linked at the button below.

You can apply for a mortgage in person with an [ENB Mortgage Expert](https://www.epnb.com/mortgages/our-mortgage-team/) or through our online application.

Customers can cash in United States Savings Bonds at any ENB Community Banking Office. You will need to bring the bond and a valid photo ID in order to redeem.

The status of an existing mortgage application with ENB can be checked online or by calling your [ENB Mortgage Expert](https://www.epnb.com/mortgages/our-mortgage-team/) directly.

Cashier's checks can be purchased at any ENB Community Banking Office for $12 each.

ENB customers have two options for ordering our Debit MasterCard. ENB Card On The Spot is a service where your new debit card is issued instantly at any full-service ENB Community Banking Office during normal business hours. New cards can also be sent to you by mail. When opening a new checking account or requesting a replacement for a lost, stolen or damaged card, let your ENB Relationship Manager know which option you'd prefer. If opening a checking account online, you will be prompted to order a debit card, which will be sent to you by mail. Replacements for expiring cards will automatically be sent by mail in the month the current card is scheduled to expire.

An account statement can be requested by calling our Customer Service Center at (877) 773-6605 or visiting an ENB Community Banking Office. Online Banking customers can enroll in eStatements and also view account balances and transactions at any time.

Debit Alerts is a great way to receive notifications when your card is used. With Debit Alerts, you receive a text message or email when your card is used allowing you to monitor for potentially fraudulent transactions. Custom alerts include purchases over a selected dollar amount, international purchases, online purchases or declined purchases.

Loan payments can be made through ENB Online Banking, at any [ENB Community Banking Office](https://www.epnb.com/about-enb/locations/) or by calling our Customer Service Center at (877) 773-6605.

For help for managing users in ENB Online Banking for businesses, please view our tutorial using the link below.

Click on the link below for a video tutorial on setting up and viewing eStatements. Please note: At this time, eStatements can only be viewed online and are not available through ENB's Bank on the Go! mobile app. However, transactions for selected start and end dates can be viewed in Bank on the Go!

To add an account to Online Banking, access the Account menu, select Connect an Account, select Ephrata National Bank Account and complete the form. If you have additional questions, call our Customer Service Center at (877) 773-6605.

To apply for a J. Harry Hibshman Scholarship, visit the Online Scholarship Portal on our website. *Please note, the application is only available during the application period from February 1 - March 31 each year.*

Applications for personal loans including the ENB HomeLine, mortgages, student loans, credit cards, and car and vehicle loans can be completed online or at any full-service [ENB Community Banking Office](https://www.epnb.com/about-enb/locations/).

Ephrata National Bank provides four scholarships each year to seniors at eligible local high schools who are pursuing secondary education. The scholarships are awarded to students through a competitive application process based on academic standing, financial need, extra-curricular activities, and community service. Scholarship applications are accepted annually between February 1 and March 31.

To change information associated with your account such as last name, email address, or mailing address, call us at (877) 773-6605 or visit any ENB Community Banking Office. Change requests can also be submitted using the Secure Messages and Conversations feature found in ENB Online Banking.

ENB accounts can be closed in person at any Community Banking Office or by sending us a letter. For accounts closed by mail, ENB will send you a check for the balance in your account once the account has closed.

Call us at (877) 773-6605 or complete the Contact Form found below, and we will be happy to connect you with your Relationship Manager.

Call our Customer Service Center at (717) 733-4181 and select option #2 or visit your local ENB Community Banking Office to deactivate your debit card.

To dispute a transaction, visit any ENB Community Banking Office or call Customer Service at (877) 773-6605.You can also dispute a transaction through your ENB Online and Mobile Banking accounts. Reference the video below for step-by-step instructions.

Checks deposited through ENB Deposit on the Go! mobile deposit, should include "For mobile check deposit at ENB" along with the signature of the individual(s) the check is made out to.

To set up ENB Online Bill Payment, click on the link to our tutorial below. Please note: Online Bill Payment requires enrollment in an ENB Online Banking account.

To establish direct deposit of a paycheck to an ENB account, you will need to provide your employer with the type of account you would like your paycheck deposited to along with your account number. Both checking and savings accounts are eligible for direct deposit at ENB. You will also need to provide your employer with ENB's routing number, which is 031308250. Requirements for establishing direct deposit can vary. We recommend contacting your human resources or payroll department to confirm what information they need.

ATMs that are part of the Allpoint Network will display this logo on the machine.

Retail customers can initiate a wire transfer at any full-service ENB Community Banking office upon presentment of proper identification.Business customers who have an existing wire transfer agreement on file can initiate a wire transfer via ENB Online Banking, by calling the Electronic Banking Department at [(717) 721-5240](tel:+17177215240), or via fax at (717) 733-9043. Commercial customers who do not have an existing wire transfer agreement can visit their nearest ENB Community Banking office or contact their relationship manager.

When making a mobile deposit through ENB Online Banking, customers will receive two emails. The first will confirm that ENB has received the deposit. The second will indicate will indicate whether the deposit has been accepted or denied. If denied, the email will explain the reason for denial.

After enrolling in Online Banking, you are ready to log in for the first time. To get started, you will need to set up an Online Banking password. Go to [epnb.com](http://epnb.com) and enter the username you selected when enrolling in Online Banking. Then select First Time User and follow the prompts. For help getting started, watch our [Setting Up Your ENB Online Banking Password](https://www.youtube.com/embed/0Pi9LjdOQ7U) video tutorial or call us at [(877) 773-6605](tel:+18777736605). If you have already set up your username and password, enter them both into the correspoding fields at epnb.com and click Login.

Mobile deposit, also known as Deposit on the Go!, is available through our mobile app. To learn how to set up and make a mobile deposit, click on the link below.

Accounts can be opened at any ENB Community Banking Office. In addition, our Classic Checking, Carefree Club Checking, CD's, Interest Checking, Success Checking, Statement Savings and Money Market accounts can be opened online.

Checks can be ordered online, at any ENB Community Banking Office or by calling our Customer Service Center at (877) 773-6605.

To reset your PIN, call (855) 235-6350 and follow the telephone prompts.

To stop payment of a check, visit any ENB Community Banking Office, log on to Online Banking and select Services and Settings and select Stop Check Payment, or call our Customer Service Center at (877) 773-6605.

Business customers simply log into their online banking profile and use a scanner—similar to the ones used at ENB branches—to scan checks for deposit. Checks approved before 5 p.m. (Monday through Friday) are available for use by the next business day, providing quick access to funds for liquidity needs.

If you have forgotten your Online Banking password, also known as your Passcode, you can create a new one using the link below and entering your login ID.

If you have lost or forgotten your Online Banking username, please call us at (877) 773-6605 or visit any ENB Community Banking Office.

It is an annual process, but since the selection is random, you may or may not be selected each year.

This holiday season, ENB would like to give back to those making a difference in our communities and we'd like our friends and neighbors to help us identify the non-profit organizations they think deserve to win an extra gift under the tree. Do you have a favorite non-profit organization serving Lancaster, Berks or Lebanon Counties that you think deserves to win a holiday gift of up to $15,000? ***Enter ENB's Letters to Santa Contest!*** See Official Rules for details.

Replacements for expiring ENB Debit MasterCards are mailed automatically during the month the current, active card is set to expire. New cards typically arrive 2 weeks before the end of the month although delivery times can vary. If you do not receive a new replacement card, call us at (877) 773-6605 or visit any ENB Community Banking Office.

View [Online Banking Terms and Conditions](https://www.epnb.com/online-banking-terms-and-conditions/)

When traveling we recommend notifying us of your travel plans, including the destination and the duration you expect to be there. ENB monitors your transaction spending patterns and may interpret unusual activity as debit card fraud and put a hold on your account for security purposes. Notifying ENB's Customer Service Center at (877) 773-6605, enables undisturbed access to your funds while you are enjoying your trip.

Deposits made at an ENB ATM before 3 pm on a business day that we are open will be considered made that day. Deposits made at an ENB ATM after 3 pm or on a day that we are not open will be considered made on the next business day we are open. Funds from any deposits made at ATMs that we do not own or operate will be available the first business day after the day of your deposit. Please refer to the Funds Availability Disclosure provided when you opened your account for additional information.

ENB has recently updated our COVID guidelines, and you can reference them below.

Our mobile deposit ([Deposit on the Go!](https://www.epnb.com/tools-resources/app/mobile-deposit/)) cut off time is 5:00 pm. Deposits made prior to this cut off time will be available the next business day. With moblie deposit, you are limited to $3,000 per one item and a maximum of $6,000 per day. Total items are limited to 10 per day. When you initiate a mobile deposit, you will receive a receipt and confirmation of your transaction via email.

Cash withdrawals from ATMs are limited to $500.00 per calendar day. Please refer to the Electronic Funds Transfer Disclosure provided when you opened your account for additional information.

You may buy up to $3,000.00 worth of goods or services each calendar day using an ENB ATM Card or ENB Debit MasterCard. Please refer to the Electronic Funds Transfer disclosure provided when you opened your account for additional information.

1. Allpoint ATMs 2. ATM Express Banking 3. Online and Mobile Banking 4. ATM Locator (in mobile app) 5. Digital Wallet 6. Zelle (in mobile app)

If you believe your ATM Card or Debit MasterCard or PIN has been lost or stolen, please call us immediately at (877) 773-6605 during the hours of 8:00 am to 6:00 pm Monday - Friday and 8:00 am to 12:00 pm on Saturday. For 24 hour reporting of lost or stolen debit or ATM cards call (800) 523-4175. You may also report the card stolen at any ENB Community Banking Office or write us at PO Box 457, Ephrata PA 17522.

If you are an ENB customer and have been charged at an Allpoint ATM, contact us at (877) 773-6605.

A Charitable Trust enables donation of assets to a preferred charity or organization during life or after death. Trust options include a charitable remainder trust, charitable gift annuity, and charitable lead trust. Each are designed to provide charities with income streams.Primary Source of Funding: Accumulated assets.

A Revocable Trust holds assets which are actively managed to help funds last a lifetime. It can pay bills and taxes on behalf of the beneficiary, facilitate the setup of a testamentary trust upon death and carry out wishes for planned giving. It also helps with the transition to a retirement community, protects against fraud and can potentially reduce tax burden. A revocable trust can be amended or discontinued at any time.Primary source of funding: Accumulated assets

A Special Needs Trust provides financial support for family members with physical or mental impairments. It ensures that funds designated to provide care and support for a loved one are protected and available to meet their needs throughout their lifetime and are only used for purposes related to the care and support of the beneficiary. This structure avoids jeopardizing a loved one's ability to receive government benefits.Primary source funding: Lawsuits or settlements, accumulated assets, Social Security, disability payments

A trust is a valuable tool in which assets are managed on behalf of an individual or for the benefit of others as directed by them. It ensures the execution of final wishes are carried out without emotion or question providing individual with peace of mind knowing their legacy will be preserved.

Allpoint is a network of ATMs providing ENB customers with fee free access to 41,000+ ATMs in the United States and 55,000+ ATMs worldwide. The machines are primarily located in premium retail locations including, but not limited to, Target, Costco Wholesole, Walgreens, WaWa and CVS.Allpoint ATMs can be identified by the Allpoint logo (seen below) located on the machine.

An Irrevocable Trust permanently transfers ownership of assets to the trust in which the owner gives up control of the assets. Doing so removes assets from the taxable estate, potentially lowering estate taxes. It helps protect assets in the trust from future claims or risks by relinquishing ownership and specifies terms for how, when and under what conditions beneficiaries receive assets. It can provide a structured income stream for loved ones. Primary source of funding: Accumulated assets, real estate, life insurance death benefits.

Ephrata National Bank's routing number is 031308250.

ENB uses LanguageLine as its translation service. Follow the Quick Reference Guide below to access an interpretation in your desired language.

Ephrata National Bank's holding company is planning to acquire Cecil Bancorp Inc., a bank based in Elkton, Maryland.

You can withdraw up to $500.00 per day from an ENB ATM.

For personal accounts, ENB has a $$6,000 total deposit limit per day and a rolling 31 day limit of $20,000 . For business accounts, limits are $30,000 per day and $100,000 over a rolling 31 day period.

The mobile deposit limit is $6,000.00 per day and $20,000.00 over a period of 31 days.

The bank undergoes an annual audit to ensure the completeness and accuracy of the financial information reported to the public.

Zelle's transaction limit is $1,500.00 per day.

ENB Wealth Solutions uses a variety of tools to help customers preserve their wealth and legacy. Below is a description of each. Also, check out this (https://www.epnb.com/insights/trusts-quickly-explained/) overview explaining trusts.**Trust Services:** A trust is a valuable tool in which ENB Wealth Solutions can manage assets on behalf of our customer or for the benefit of others as directed by them. It ensures the execution of final wishes are carried out without emotion or question providing our customers with peace of mind knowing their legacy will be preserved. A list of the trust services we provide includes:* **Testamentary Trust:** Set up by a customer's will and comes into being only after their death. It ensures their estate is distributed in a manner aligned with their wishes and is especially useful in preventing heirs from squandering their inheritance through bad decisions. Naming ENB as Trustee eliminates the pressures and potential family discord that come with making a family member trustee and greatly reduces chances the will is contested.Primary Source of Funding: Assets held by an estate, life insurance death benefits.* **Charitable Trust:** Enables donation of assets to a preferred charity or organization during life or after death. Trust options include a charitable remainder trust, charitable gift annuity, and charitable lead trust. Each are designed to provide charities with income streams.Primary Source of Funding: Accumulated assets.* **Special Needs Trust:** Provides financial support for family members with physical or mental impairments. It ensures that funds designated to provide care and support for a loved one are protected and available to meet their needs throughout their lifetime and are only used for purposes related to the care and support of the beneficiary. This structure avoids jeopardizing a loved one's ability to receive government benefits.Primary source funding: Lawsuits or settlements, accumulated assets, Social Security, disability payments* **Revocable Trust:** Holds assets which are actively managed to help funds last a lifetime. It can pay bills and taxes on behalf of the beneficiary, facilitate the setup of a testamentary trust upon death and carry out wishes for planned giving. It also helps with the transition to a retirement community, protects against fraud and can potentially reduce tax burden. A revocable trust can be amended or discontinued at any time.Primary source of funding: Accumulated assets* **Irrevocable Trust:** Permanently transfers ownership of assets to the trust in which the owner gives up control of the assets. Doing so removes assets from the taxable estate, potentially lowering estate taxes. It helps protect assets in the trust from future claims or risks by relinquishing ownership and specifies terms for how, when and under what conditions beneficiaries receive assets. It can provide a structured income stream for loved ones.Primary source of funding: Accumulated assets, real estate, life insurance death benefits.**Investment Management:** ENB Wealth Solutions works with customers to develop an investment strategy and define their goals. For example, are they more concerned with growing or preserving their assets or perhaps a mix of both?**Guardianship:** Created when ENB is named guardian to manage assets or property on behalf of incapacitated adults or minors. This is often done through court order at the request of a family member.**Custodianship:** The establishment of an account for the safekeeping of investments, financial record keeping and tax reporting.**Power of Attorney:** By naming ENB power of attorney, ENB can make legal and financial decisions on behalf of our customer in the event of their illness or disability. This ensures decisions are made in alignment with their wishes and protects them from unscrupulous actors. To learn more about the services we provide and how they benefit customers, check out this (https://youtu.be/CvWPzEBgNvs?si=8nB0XRB5fk2mMkvj).

ENB's Consumer and Small Business Relationship Managers cover all of Lancaster County as well as part of Berks, Chester and Lebanon counties. They will work with businesses in additional counties on an as needed basis. Here is the breakdown of territory by Relationship Manager. • Ben Floren - Northeastern Lancaster County, Southern Berks County, and Western Chester County. • Kim Tillman - Eastern and Southern Lancaster County • Zachary Love - the greater Ephrata area and Lebanon County • Lucia Stahl - Lancaster, Northern Lancaster County, and Western Lancaster County.

ENB customers can withdraw cash, check their account balance and transfer funds between accounts.

ENB Wealth Solutions provides a variety of trusts to help customers preserve their wealth and legacy. Below is a description of each. Also, check out this (https://www.epnb.com/insights/trusts-quickly-explained/) overview explaining trusts.**Testamentary Trust**: Set up by a customer's will and comes into being only after their death. It ensures their estate is distributed in a manner aligned with their wishes and is especially useful in preventing heirs from squandering their inheritance through bad decisions. Naming ENB as Trustee eliminates the pressures and potential family discord that come with making a family member trustee and greatly reduces chances the will is contested.Primary Source of Funding: Assets held by an estate, life insurance death benefits.**Charitable Trust**: Enables donation of assets to a preferred charity or organization during life or after death. Trust options include a charitable remainder trust, charitable gift annuity, and charitable lead trust. Each are designed to provide charities with income streams. Primary Source of Funding: Accumulated assets.**Special Needs Trust:** Provides financial support for family members with physical or mental impairments. It ensures that funds designated to provide care and support for a loved one are protected and available to meet their needs throughout their lifetime and are only used for purposes related to the care and support of the beneficiary. This structure avoids jeopardizing a loved one's ability to receive government benefits.Primary source funding: Lawsuits or settlements, accumulated assets, Social Security, disability payments**Revocable Trust:** Holds assets which are actively managed to help funds last a lifetime. It can pay bills and taxes on behalf of the beneficiary, facilitate the setup of a testamentary trust upon death and carry out wishes for planned giving. It also helps with the transition to a retirement community, protects against fraud and can potentially reduce tax burden. A revocable trust can be amended or discontinued at any time.Primary source of funding: Accumulated assets**Irrevocable Trust:** Permanently transfers ownership of assets to the trust in which the owner gives up control of the assets. Doing so removes assets from the taxable estate, potentially lowering estate taxes. It helps protect assets in the trust from future claims or risks by relinquishing ownership and specifies terms for how, when and under what conditions beneficiaries receive assets. It can provide a structured income stream for loved ones.Primary source of funding: Accumulated assets, real estate, life insurance death benefits.

Mobile deposits made prior to 5 pm will be posted on the date the deposit was made and will be visible in the customer's account the next day. Mobile deposits made after 5 pm will be posted on the date following the deposit and be visible in the customer's account the day after posting.

Yes. Surcharges and service charges will not apply to ENB customers using an Allpoint ATM.

Cecil Bank will become a Cecil Bank, a division of Ephrata National Bank on February 1, 2026 and operate as such until systems conversion the weekend of June 26.

Our current listing of fees can be found at the link below.

Each of Ephrata National Bank's Community Banking Offices has an ATM. ENB is part of the Allpoint ATM network. We never charge customers a service charge for using an Allpoint ATM regardless of location. Customers can access cash Fee Free from over 41,000 Allpoint ATMs nationwide and 55,000 worldwide that display the Allpoint logo.

A list of ENB's NMLS registered lenders can be found be clicking the link below.

Account numbers can be found on your bank statement which is issued via mail or accessible in ENB Online Banking. Checking account numbers can also be found on the bottom of your check.

Computershare is the Transfer Agent for ENBP. Their address is PO Box 43078, Providence RI 02940-3078. Their phone number is 800-368-5948. Their website has a lot of self-service options.

You can learn more about ENB's acquisition by reading the artcle linked below, visiting our social media channels, or by visitng our website and searching "Cecil Bank." You can also visit our FAQs page at the button below.

Bank credit references and verifications should be faxed to us at (717) 301-4345. If you have any questions or need additional assistance, please contact ENB Customer Service at (877) 773-6605.

This often happens when we do not have the correct email address on file. If you're having issues enrolling in Online Banking, give us a call at [(877) 773-6605](tel:+18777736605) or visit one of our Community Banking Office [locations](https://www.epnb.com/about-enb/locations/).

The goal is to expand the ENB's footprint into Maryland, grow assets, and increase service capabilities.

• Ease of Use: RDC's simple online login allows businesses to easily deposit checks right from their location, without having to leave the office. • Saves Time: RDC eliminates the need to rush to the bank or worry about business hours. It frees up valuable time so business owners and employees can focus on what matters most—running their business. • Cost-Effective: RDC is an affordable solution compared to the time and money spent running to the bank or compensating employees for unnecessary trips. For businesses, time is money. • Peace of Mind: RDC allows business customers to deposit checks daily, reducing the risk of checks piling up in the office. Customers can be confident that funds are deposited and available whenever needed.

The accounts used for the audit were chosen at random.

Please follow the schedule below to ensure your transaction is processed by your desired deadline:Tuesday, December 24The bank will close at 12 PM on Christmas Eve. In addition, the following transactions should be made by 12 PM on December 24 if you would like them processed before the end of the day on December 24:• Mobile banking transactions • Wire transfers • ACH limit changes • RDC limit changes Any of these transactions, as well as checks or mobile deposits, received after 12 PM on December 24 will be processed on Thursday, December 26.Wednesday, December 25All offices will be closed on December 25. No transactions will be processed on this day. Tuesday, December 31 The bank will close at 3 PM on New Year's Eve. In addition, the following transactions should be made by 3 PM on December 31 if you would like them processed before the end of the day on December 31:• Mobile banking transactions • Wire transfers • ACH limit changes • RDC limit changesAny of these transactions, as well as checks or mobile deposits, received after 3 PM on December 31 will be processed on Thursday, January 2.Wednesday, January 1 All offices will be closed on January 1. No transactions will be processed on this day.For ACH customers, if you would like to check or adjust your limits, please call Payment Operations at 717-721-5264 and we will assist you.

No. Both banks' deposits are FDIC-insured, and there are regulatory protections in place. Ephrata National Bank is acquiring a bank with existing depositors and will maintain those protections.