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ENB Insights

November 10, 2020

Student Loans and Marriage: What You Should Know Before Tying the Knot

When you start hearing wedding bells, there’s a lot to think about. One thing that often gets overlooked is student debt. Many people don’t know all of the implications that go along with student loans and marriage. There are numerous details, and it can definitely get confusing. So, we’ve compiled some key considerations to discuss before tying the knot.

October 29, 2020

Ephrata National Bank Hires Customer Service Center Manager

Ephrata National Bank announces the addition of Amy Stauffer as Customer Service Center Manager. In this role, Stauffer will be responsible for managing the customer service center.  She will lead her team to provide stellar customer service by ensuring the effective delivery of products and services to customers who contact the customer service center. 

October 28, 2020

Ephrata National Bank Hires Vice President and Compliance Officer

Ephrata National Bank announces the addition of Michelle Vineburg as Vice President, Compliance Officer. In this role, Vineburg will be responsible for all aspects of the Bank’s Compliance Management Program by ensuring the Bank is conducting its business in full compliance with all federal and state banking laws and regulations, professional standards, accepted best business practices, and tested internal policies and procedures.

October 23, 2020

Can I Afford a Mortgage?

Congratulations - your home loan application has been approved! These life-changing words are the hope of many would-be homebuyers. Qualifying for a home mortgage can seem like the biggest hurdle to homeownership. But a mortgage loan approval doesn't mean you can actually afford your dream home. When mortgage lenders approve an application, specific lifestyle expenses are not factored into the decision.

October 22, 2020

Creating a Finance Binder: 3 Easy Steps

When you graduate college, adulthood tends to hit you all at once and you’ve probably got the financial documents to prove it. If you’re like most recent grads, the piles of paperwork on your coffee table may include some late bills, your diploma and more receipts than you know what to do with.

September 30, 2020

Common Fake Check Scams and How to Avoid Them

These scams are able to fool unsuspecting consumers who may not completely understand that even though a bank account may show the funds as “available”, this doesn’t mean the check has “cleared”. Fraudsters know that banks must make funds available in an account within several days, yet it often can take weeks to discover that the check was fake.  When it is, the amount of the fake check deposit is removed from the customer’s account.  As a result, they are out the money they sent to the fraudster and because it was sent voluntarily, the bank is not obligated to cover the loss. 

September 29, 2020

What Are Mortgage Points?

Historically low interest rates might help unlock the doors to your dream home sooner than expected. Low rates can increase your buying power in a competitive housing market. You might also be able to afford more home, with money left over to fund other financial goals. But accessing the best rates often requires excellent credit scores (740 and above).

September 23, 2020

How to Make a Budget You Don’t Hate

Creating a Budget can be hard and sticking to that budget can be even more difficult. With spending as easy as pressing a button on your phone and the COVID-19 pandemic effecting everyone; it is more important now than ever, to create a good budget. In this article, we’ll help you make a financial plan to hold yourself accountable.

September 18, 2020

Getting Control of Business Spending

What’s the cost of doing business? For many businesses, answering that question is harder than it seems. The process for handling expenses varies from one business to the next, and many business owners have less control of expenditures than they’d like. This can lead to wasteful spending and other losses, potential cash flow problems, and a greater administrative burden. If you want…

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