The All-in-One Banking Solution That Keeps You MOVING.
Tell us a few details, and we’ll help you choose.
How much do you typically keep in your account?
How much do you typically keep in your account?
Classic Checking is the account for you.
My Checking 101 is the account for you.
Success Checking is the account for you.
Interest Checking is the account for you.
Carefree Club 50 Checking is the account for you.
ENB Momentum Is Built for You
Momentum is more than just a checking account. It’s checking, digital convenience, and financial wellness tools, all in one place, designed to help you manage your money, stay on track with your goals, and feel confident about your finances.
Getting started is as easy as 1, 2, 3.
Choose the checking account that fits your life, select the tools that help you manage your money, and take the first step toward lasting financial wellness.
Choose the Checking Account That’s Right for You
Smart money habits start here. Designed for ages 13 to 17, this account is a great first step, with no monthly fees or extra requirements. We’ll even provide the $50 opening deposit!1
If you’re 18 to 25, get the right tools for your financial journey with Success Checking. It’s packed with awesome perks for students and young adults – and your $50 opening deposit is on us!2
Finally – a free checking account that’s actually free. No gimmicks, no fees, no complicated conditions. It’s a straightforward free checking account with all the conveniences you want.3
If you keep a higher balance, we’ll keep it growing. Simply maintain a minimum balance of $1,000 to earn interest on your entire balance and avoid a monthly fee.7
If you’re 50 or older, enjoy no monthly service fee, everyday convenience, and extra perks with this unique personal checking account.
Keep Organized and in Control With These Convenience Tools
We’re here to help you save time, stay organized, and make banking fit your life. Pick the tools that work for you, or use them all for maximum convenience.
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Online and Mobile Banking
Online and Mobile Banking
No matter where you go, we’re just a click or tap away. Get started with Online Banking and download our app to easily check balances, review eStatements, deposit checks, and more. Enroll in Online Banking or Mobile Banking, or both – it’s up to you.
Boost Your Financial Health
Managing your money is easier when you have the right tools. Pick one, pick some, or pick them all – each of our financial wellness tools is designed to help you save time, reduce stress, and stay in control of your money. From automatic savings to overdraft protection, these tools work together to keep your financial life running smoothly.
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Prevent Fraud
Prevent Fraud
Protecting yourself from fraud is an essential part of achieving financial well-being. A great place to start is by safeguarding your debit card. With the SecurLOCK Equip mobile app, you can control how your card can be used and even turn it off and on, right from your phone.
Build Even More Momentum With Savings
Nothing goes better with checking than savings. Opening a savings account helps you build a cushion for life’s surprises, giving you freedom, stability, and peace of mind.
For the best results, set up automatic transfers from your checking account each month. It’s an easy way to grow your savings without even thinking about it. Ask us to help you get started, or set up through Online Banking.
ENB Is Close to You
You’ll find 18 convenient ENB locations in communities across Lancaster, Lebanon, and Berks counties. Stop by and see us wherever it’s most convenient for you.
Financial Know-How Starts Here
From helping you manage your budget to saving for big moments, our team has you covered.
Personal Checking FAQs
ENB offers several checking accounts tailored to different needs, including Classic Checking, Interest Checking, Carefree Club 50 Checking (for ages 50+), My Checking 101 (for ages 13–17), and Success Checking (for ages 18–25). Each checking account comes with our instant-issue debit card and great money-saving features – so you can focus more on managing your money, and worry less about what fees you’re being charged.
Yes! The Classic Checking account is free with no monthly fees or hidden charges – just straightforward, everyday banking. In addition, we have these account options with no monthly service fee for select age groups: Carefree Club 50 Checking (ages 50+), My Checking 101 (for ages 13–17), and Success Checking (ages 18–25).
Yes, you can always talk with ENB’s team to switch accounts as your needs change. And if you have questions now, we’d be happy to answer them and help open your account in person at your local ENB Community Banking Office.
- Avoid the risks of carrying cash by using your debit card to pay for purchases directly from your account.
- Withdraw cash at more than 55,000 fee-free Allpoint® Network ATMs worldwide.4
- Add your card to your device’s digital wallet (Apple Pay®, Google Pay™, Samsung Pay®) for easy and secure contactless payments or simply tap and pay.
If you accidentally make a payment that exceeds your available balance, our overdraft services can help you avoid a standard overdraft fee – or the stress of a declined payment.
ENB has two convenient options:
Bonus Checking Overdraft Protection: If you overdraw your checking account, money is automatically transferred from your savings to cover the difference. A $12 transfer charge applies.6
Unsecured Personal Line of Credit: If you don’t want to transfer money from a savings account, we can set you up with an unsecured line of credit. We’ll establish an available credit limit and tie it to your ENB checking account to prevent overdrafts. This option is subject to credit approval. Learn more about our line of credit.
Ready to set up overdraft protection? Reach out to our team.
Compare Checking Account Options at ENB
- $50 opening deposit provided by ENB1
- Then no minimum balance requirement
- No monthly maintenance fee
- No direct deposit requirement to avoid fees
- Free book with financial tips
- Converts to Success Checking when account holder turns 18
- No monthly fee and no minimum balance
- ATM fee rebates for non-ENB ATM fees (up to $15 per month)2
- $50 to get started – we’ll pay your opening deposit2
- 24/7 mobile app, so you can bank virtually anywhere
- Can be a joint account, so it’s easy for parents to help out
- $1,000 minimum deposit required to open
- No $10 monthly maintenance fee when you maintain a $1,000 minimum balance
- Earn interest on your entire balance7
- $1,000 minimum deposit required to open
- No $10 monthly maintenance fee when you maintain a $1,000 minimum balance
- Earn interest on your entire balance
- No check writing limits
- $50 minimum deposit required to open
- Then no minimum balance requirement
- No monthly maintenance fee
- No direct deposit requirement to avoid fees
- Free first order of Carefree Club 50 checks
- $5 discount on safe deposit box rental
- Free financial seminars and checkup
Unexpected expenses pop up, and sometimes your checking account balance gets a little too close for comfort. At ENB, we offer two simple ways to protect yourself from overdraft fees** and give you real peace of mind.
Bonus Checking Overdraft Protection
Link your ENB checking account to your savings account*, and you’re all set. If a purchase would overdraw your checking, we’ll automatically transfer just enough from your savings to cover it**. It’s that simple—no stress, no expensive fees, just seamless protection when you need it.
Unsecured Personal Line of Credit
Prefer to keep your savings untouched? We can set up a personal line of credit tied to your checking account. You’ll have a credit cushion ready when you need it, with flexible terms, no fixed maturity date, and a variable interest rate. It’s there when life throws you a curveball—and quiet when it doesn’t.
Let’s find the option that fits your life best. Stop by any branch or give us a call—we’re here to help.
Experience ENB Momentum
Discover your perfect combination of time-saving digital tools and dependable personal guidance at Ephrata National Bank.
- 1. My Checking 101: To qualify for the $50 bonus, the primary account owner must meet the age qualifications of a My Checking 101 account and cannot currently own an ENB Checking account. ENB will deposit $50 into this account at the time of opening. Limit one $50 bonus per Primary Account Owner. Accounts closed within 90 days of account opening will be charged a $25 early closing fee. Customer is responsible for any federal, state or local taxes due on the bonus. A 1099-INT form will be issued for tax purposes. Cannot be combined with any other promotional offer.
- 2. Success Checking: To qualify for the $50 bonus the primary account owner must meet the age qualifications of a Success Checking account and cannot currently own an ENB Checking account. ENB will deposit $50 into this account at the time of opening. Accounts closed within 90 days of account opening will be charged a $25 early closing fee. Customer is responsible for any federal, state, or local taxes due on the bonus. A 1099-INT form will be issued for tax purposes. Cannot be combined with any other promotional offer. Limit one $50 bonus per Primary Account Owner. ATM surcharge fees are assessed by the owner of the ATM (non-ENB ATM). ENB will refund up to $15 per month for transactions conducted at non-ENB ATMs. ENB will still assess a service charge on all non-Allpoint ATM transactions. See current fee schedule for fee. This fee can be avoided by using an Allpoint Network ATM.
- 3. ENB Classic Checking is free. Other accounts could incur fees per ENB’s current schedule of fees. Online banking service is required to access mobile banking app. A surcharge may be assessed by ATM owner.
- 4. Allpoint® ATMs may not be available in every location. We recommend checking our ATM locator to confirm availability of access to a fee-free Allpoint ATM. Allpoint ATMs will be identified by the Allpoint logo on the machine. Fee-free access is exclusive to customers using ENB Debit Mastercards and ATM cards at Allpoint Network ATMs. Fees may apply to International Transactions.
- 5. Zelle: To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. To access Zelle®, you must enroll. An eligible ENB account and an accepted Online Banking agreement and addendums are required. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
- 6. Overdraft: The following savings accounts are available as Bonus Checking Overdraft Protection: Statement Savings, Super Saver (linked to My Checking 101), Money Market Account, and a Personal Line of Credit. A transfer charge applies. Refer to ENB’s schedule of fees for a complete listing of fees.
- 7. Interest: $1,000 minimum deposit required to open. $1,000 minimum balance must be maintained to avoid $10 monthly maintenance fee.
