What This Means for You
As an ENB customer, unless we have an authorization on file for your account(s), your one-time debit card and ATM transactions will be declined if there are not sufficient funds in your account to cover your transaction. These new overdraft rules do not affect recurring debit card transactions (for example, monthly memberships automatically paid using your debit card).
Everyone has different banking needs. If you use your debit card for one-time purchases, such as grocery orders or your morning coffee, you may wish to take advantage of this opportunity to authorize your checking accounts to reduce the chance that your debit card purchases will be declined.
With this authorization your account will work the same way it does today. You would continue to allow us to overdraw your account to pay your debit transaction. If we do pay the transaction, an overdraft fee of $30 will be assessed. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
ENB does provide other overdraft protection methods that allow you to reduce the cost of overdraft transactions. Click here for a product comparison or call us at 717-733-4181 and we can help you determine the right product for your needs.
If you do not feel that this authorization is necessary for your personal financial situation, then you do not need to take any action at this time.
If you decide to complete an authorization, you may revoke it at any time using the same contact methods listed below.
Before you contact us, you will need to read and complete Ephrata National Bank’s Overdraft Policy and Authorization Form.
Contact Methods to Provide or Revoke Authorization
| Call us at 717-733-4181 (toll-free 877-773-6605) |
Please note, you will need to validate your identity for security purposes prior to providing any account information to the bank.
- Your name
- Your election
- Account number(s) for the account(s) to which you wish to apply your authorization
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| Stop by any branch |
Completed and Signed Authorization Form |
Mail your completed election form to us:
Ephrata National Bank
Electronic Banking
PO Box 457
Ephrata PA 17522
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Completed and Signed Authorization Form |
Email your authorization through Secure Messaging
on Internet Banking
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In your secure message, include the following statement and the account number(s) for the account(s) to which you wish to apply your election:
I want Ephrata National Bank to authorize and pay overdrafts on my one-time debit card and ATM transactions for the following accounts:
Logging in to Internet Banking to submit your election will serve as your digital signature to authorize the changes you request. |
Instructions to Send Your Secure Message Through Internet Banking
Note: You will need to have pop-ups enabled for the Internet Banking site to use this method.
| 1 |
Log in to Internet Banking
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| 2 |
Click the “Messages” link on the left-side menu (under Services).
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| 3 |
Click the “Submit” button next to “Create a New Message” in the drop-down box.
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| 4 |
Type the subject “Reg E Authorization.”
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| 5 |
In the "Message Content" area, type the following:
I want Ephrata National Bank to authorize and pay overdrafts on my one-time debit card and ATM transactions for the following accounts:
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| 6 |
Beneath that statement, type the account number(s) (pressing "Enter" between each account number) for which you wish to make your election.
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| 7 |
Hit the "Enter" button and type your name.
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| 8 |
Click the "Send" button.
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Ephrata National Bank, Member FDIC  |
