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Category: Smart Banking

September 11, 2020

What is the Difference Between a Secured and Unsecured Loan?

If you’re looking to borrow money, you’re undoubtedly aware that there are many loan options to choose from on the market today.  When shopping for a loan, you will notice that loans typically fall into two categories, secured and unsecured.  Your borrowing need and financial circumstances will ultimately  determine which type is the best fit for you,  but it’s also important to understand  the basic characteristics of the each loan.

November 15, 2019

Teaching Good Savings Habits in Kids: The Missing Link

Marshmallows and savings habits might have a lot in common. A Stanford University study, led by Dr. Walter Mischel, highlighted the power of delayed gratification. The series of studies began in the early 1960s by examining the reactions of preschoolers when given a set of seemingly simple choices:

August 31, 2018

How to Talk to Your Kids About Money

How soon is too soon to talk to your kids or grandkids about money? If they are old enough to ask for a toy or a bike, they are old enough to start learning financial lessons that will last a lifetime.

April 09, 2018

6 Tips for Your Financial Spring Cleaning

As Americans kick off the spring season by cleaning, sorting and tidying up around the house, Ephrata National Bank is encouraging consumers to add financial organization to their spring cleaning to-do list. To help, Ephrata National Bank has highlighted six tips for organizing your financial house. 

June 15, 2016

Why Checking Accounts at ENB are Simple

We think you’ll be surprised by the answer to this question, once you take a closer look. Sure, we’ve all learned creative ways to save money, but a lot of times we overlook the most simplest of methods, one of which is who we bank with!

May 31, 2016

It’s A Bad Sign When Your Checking Account Comes With A Guide Book

When it comes to consumer complaints about banks, hidden fees are often at the top of the list. Ironically, banks actually can’t hide their checking account fees as they are required by law to disclose them to customers at account opening. Banks must also give customers advance notice anytime they change a fee.

May 18, 2016

What Is A Funds Availability Policy?

You just got paid and several large monthly bills are about to come out of your checking account, but luckily you just deposited your check in the nick of time! No worries, right? Wrong. If you’re not familiar with your bank’s funds availability policy, you could be in for a surprise.

Contact us and we’ll answer your questions.