Savings & Money Market Accounts

• ENB piggy bank at account opening – when it’s full, stop in and deposit⁵
• Choice of My Savings Book & Journal activity book or My Favorite Bank coloring book⁵
• Club membership certificate with photo of your child as a Super Saver character
• Gift with any deposit of $10 or more – or bring in a full ENB piggy bank⁶
• Personal birthday card sent each year
• Invitations to special club events

Maximize your earning potential with a Money Market Account that pays you more as your balance grows through tiered interest rates – because your financial success should be rewarded. With just $2,500 to start and no minimum balance to earn interest, you’re in control of both your savings growth and access to your funds.

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Take the stress out of saving for life’s big moments with EZSave Club, where automatic monthly transfers from your checking account help you reach your goals without even thinking about it. You decide when you need your money – select the 1st or 15th of any month for transfer back to checking, and it’s guaranteed to be there waiting for you. Start with just $1 and no minimum balance worries, so you can focus on what you’re saving for, not how you’re saving.

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Build your own healthcare fund with an HSA that saves you money three ways: contributions lower your taxes, your balance grows tax-free, and withdrawals for medical expenses are tax-free. Your savings roll over every year and keep working for you through retirement – no deadlines, no required withdrawals, just security for every stage of life. Whether it’s today’s prescriptions or tomorrow’s care, you’re in control of money that protects both your health and your wallet.*

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• ENB Online Banking & Mobile App – Check your balance, view transactions, and transfer funds right from your phone or computer.
• Telephone Banking – Prefer to handle things by phone? We’ve got you covered with 19 branches near you.
• Visit Us in Person – Stop by any of our branches – we always love seeing you!
• ATMs – Quick access whenever you need it

We offer online banking and mobile banking so you can manage your accounts whenever and wherever it’s convenient for you. Check balances, transfer funds, pay bills, deposit checks with your phone, and keep an eye on your transactions – all from your computer or mobile device. Banking should fit into your life, not the other way around.

Our mobile app is a bank in your pocket. Using the app you can check your balance, find ATMs, make a deposit, and manage your accounts, all from the phone in your hand. This gives you secure access to your money whenever, wherever you are.

Overdraft protection is a safety net that helps you avoid declined transactions and overdraft fees when you don’t have enough money to cover within your checking account. We can link your checking account to your savings account, money market, or line of credit to protect you from overdraft fees and the pain of a declined transaction.

• Set up automatic transfers from your checking account to keep your balance steady
• Link multiple accounts to meet combined balance requirements
• Ask us about account options with no minimum balance requirements

Both help you save and earn interest, but they work a bit differently. Our savings accounts are perfect for everyday savers – they’re simple, accessible, and help you build your financial cushion steadily. Money market accounts typically offer higher interest rates and come with check-writing privileges, making them ideal if you’re saving larger amounts and want a bit more flexibility to access your funds when needed.

The specific amount varies by account type – stop by any branch or give us a call, and we’ll help you find the account that fits your situation.

Your deposits are insured by the FDIC up to $250,000 per depositor, per account ownership category. That means your hard-earned savings are protected by the full faith and credit of the U.S. government. Plus, as a locally owned bank, we’re personally invested in keeping your money secure.

Interest is typically calculated daily and credited to your account monthly, so your savings grow steadily throughout the year. The exact timing depends on your specific account – we’ll walk you through the details when you open your account.

Yes, your money is always yours to access. However, federal regulations limit certain types of withdrawals from savings and money market accounts to six per month. This helps these accounts maintain their savings status and earn you better interest rates. If you need more frequent access to your funds, we can help you pair your savings with a checking account for the best of both worlds.

We understand that life happens. If you occasionally exceed the limit, we’ll let you know. If it becomes a pattern, we might need to convert your account to a checking account to better match how you’re using it. We’re here to make sure your accounts work for you, not against you.

However it’s most convenient for you. Stop by any ENB branch, use our ATMs, set up direct deposit from your paycheck, or transfer funds through online banking. We even offer mobile deposit, so you can deposit checks right from your phone while you’re sitting on your couch.

Money market accounts come with check-writing privileges, giving you easy access to your funds when you need them. Savings accounts don’t typically include debit cards, but you can easily transfer money to your checking account or visit any branch to make a withdrawal. We’ll help you set up your accounts so accessing your money is never a hassle.

We’re always here. Call us, stop by any branch, or reach out through online banking. You’re not just an account number to us – you’re our neighbor, and we’re happy to help however we can.