Flexible solutions to maximize cash flow while increasing efficiency.
Ephrata National Bank offers a full suite of services to help your business manage cash efficiently. Since every business is different, ENB personnel will take the time to understand your business and offer a customized solution.
Quick LinksCollection Services
ACH Collections: You no longer have to wait for checks to clear. By gaining authorization, your business may debit funds for customer accounts to streamline the collection process.
Zip Deposit (Remote Deposit): Deposit checks easily and securely from your business location. Learn more.
Merchant Services: Customized payment processing products and services are tailored to meet the needs of each unique business. Learn more.
Branch Deposits: Convenient branch accessibility allows customers to make deposits at any ENB branch location.
Night Depository: All of our conveniently located full service branches have night deposit drop for after-hours deposits.
Deposit Courier Services: If your business uses nontraditional means of transportation and you cannot easily access a branch we will come pick up your check deposits, allowing you faster access to your money.
Incoming Wires: Receive immediate funds availability and prompt notification for incoming wire transfers.
Zero Balance Accounts: ZBAs offer an easy and convenient way to automatically consolidate funds into one account allowing businesses to streamline operations, fund disbursements or invest funds.
ACH Concentration: Businesses that have multiple locations may find value in using local depositories and then consolidate monies into a centralized account using ACH.
Account to Account Transfer: If you prefer a hands-on approach to moving your money, solutions such as online or telephone banking will provide access 24/7.
Investment Sweeps: For clients with excess balances or have a desire for deposit insurance protection over $250,000, the use of an automated sweep program has value.
ACH Payments: ACH disbursement is a way to maintain control of your available funds. You control when the payment is processed. Payments are deposited directly into your vendor or customers’ accounts, reducing costs associated with check writing.
Direct Deposit of Payroll: By paying employees through Direct Deposit, you eliminate the need to print checks. Employees also get their paychecks into accounts quicker. This is a win-win for all.
Outgoing Wires: Initiate outgoing wires through Online Banking, direct contact with the wire room, or in person at any ENB Branch.
Business Debit Card: Debit cards are an easy and convenient way to make business purchases. Learn more.
Business Credit Card: We offer a variety of business credit cards to meet your specific needs. Learn more.
Online Bill Payment: With ENB’s Online Banking, you can process your bills electronically. This will help you save time and money, no more searching for stamps or running to the post office.
Online Banking: Monitoring your accounts is not a 9-5 job. With Online Banking, you can bank on your terms, whenever and wherever is convenient for you. Visit any one of our branches to get started.
Check Images: For clients that desire retrieval access of deposited items to support internal customer inquiries, a monthly CD Rom is a must have solution.
Account Analysis: Sometimes trying to figure out all the activity charges on your bank statement can be confusing. With Account Analysis, you will receive a detailed billing statement for all activity fees on your account.
Account Recon: By providing a check issue file, ENB can assist with the monthly reconciliation of check transactions and provide detailed reports.
Bank on the Go!: You can manage your bank accounts from anywhere with our Mobile Banking Application. Download Bank on the Go! to your android or apple device here.
FDIC Insured Cash Sweep: For clients interested in FDIC insurance or earning interest on excess balances, the use of an automated sweep should be considered.
Line of Credit Sweep: Customers may realize operational efficiencies and interest expense savings by automatically moving funds daily to or from the line of credit depending upon your cash position.
Business Overdraft Sweep: You never have to worry about having a check returned for insufficient funds when you link your Business Line of Credit with your checking account. Funds are automatically swept into your checking account to cover any outstanding checks.
Manual Transfer via Online Banking: With Online Banking you have the control to move funds between your accounts.
Fraud Prevention Services
ACH Debit Block: All ACH debits will be returned prior to posting.
ACH Positive Pay: Authorized ACH transactions are processed, however, should an unauthorized ACH be presented, you have the ability to decision the transaction.
Positive Pay: You can reduce the potential for check fraud with Positive Pay. Every day the system verifies daily transactions against check issuance information and provides an exception list for client review.
Reverse Positive Pay: No check issue file is provided so all check transactions require a daily payment decision.
A lot has changed since 1881.
But Ephrata National Bank’s commitment to our local bank customers here in Lancaster County and surrounding areas has not. Since that time, we’ve been committed to providing outstanding banking services and an unrelenting commitment to our local community. We’ve received awards for our financial soundness and stability and have remained so well-capitalized that our shareholders have always received dividends, even during the Great Depression and recent Great Recession. When you bank with Ephrata National Bank, we guarantee “You’ll feel the difference”.