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ENB Insights

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 27, 2016

Understanding the Basics of a Construction Loan

Building a home can be stressful. Figuring out the appropriate mortgage product doesn’t have to be. Most people understand the basics of a standard mortgage, but many don’t understand that there is a different approach when you decide to build a home. We are here to break down the basic characteristics of a construction loan so your dream of building a home can become a reality!

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.

May 13, 2016

11 Tips to Help You Through the First-Time Home Buying Process

You’ve decided to take the big step of buying your first home. Or maybe you’re just starting to weigh your options. Either way, there are a lot of things to keep in mind when beginning the process to ensure you don’t get overwhelmed. Here are 11 tips to help you through the first-time home buying process.

May 12, 2016

Opening A Checking Account in 3 Easy Steps

Opening a checking account can be confusing for some, but it doesn’t need to be. The key is to be informed and to plan ahead. Here are three easy steps to guide you through the process.

April 29, 2016

The 5 Best Questions To Ask Yourself Before You Decide To Build A Home

Making the decision to build a home can be a very exciting process, but can also be a daunting one, especially when so many decisions need to be made. However, with proper planning, it’s easy to avoid costly mistakes. Here are 5 questions everyone should ask themselves when considering whether or not to build a home.

April 27, 2016

3 Smart Banking Characteristics to Consider when Choosing a Bank

Where you choose to bank is a big decision. You need to have a relationship built on trust with your financial partner, knowing that they have your best interest in mind. That’s why when it comes to whom you bank with, it’s important to jot down a few smart banking characteristics to consider when it comes to your money. Here are a few.

April 24, 2016

How to Avoid Bank Fees

According to CNN Money, many banks are making millions each year off of bank fees. Many of these fees are unnecessary, meaning they could be easily avoided with a little knowledge and planning. Here we provide examples of the most common unnecessary bank fees along with tips for avoiding them.

April 22, 2016

How Does Age Influence Your Credit Score?

It’s often said that things improve with age. A lot of people don’t realize that this is also true as it pertains to your credit score. Credit scores don’t take age into consideration, however approximately 50% of a credit score is based on length of credit history and payment history.

April 20, 2016

Why are FICO Credit Scores Important?

We’ve all heard how important our credit score is. But have you really thought about the lasting effects it could have on your future ability to borrow? Have you taken the time to monitor your credit reports and really understand what they mean? We’re here to help break it down for you!

Contact us and we’ll answer your questions.