Ephrata National Bank Privacy Policy
Notice of Privacy
Thank you for visiting ENB’s website. We respect the privacy of our customers as well as visitors to our website and mobile application.
Ephrata National Bank will not collect personal information directly from you when visiting our website unless you volunteer information when expressing interest in a product or service. When you provide personal information when expressing interest in a product or service, this information may be used internally to handle your request but will not be disseminated or sold to other organizations. Our employees are trained and expected to protect the confidentiality and privacy of customer information regardless of how that information is obtained.
We will gather and store certain information about your visit automatically. This information may include date and time of site access, device and device location data, what pages were visited, servers, and links used. We will use the information gathered to assist us in making our website and mobile application more user-friendly and accessible to visitors.
Our website and mobile application may have links to other organizations or federal agencies. Once you link to another site, you are subject to the privacy policy of the new site.
We reserve the right to change this policy at any time.
ENB Privacy Policy
Privacy Policy: Cookies & Personal Information
We respect your privacy and handle your information with care. This page explains what we collect, how we use it, and the rights and choices you have. We keep it simple so you can feel informed and in control when you use our website, mobile application, and online services (collectively, our “Services”).
What This Policy Covers
This policy explains how Ephrata National Bank (ENB) collects, uses, and shares personal information and online activity, including cookies. It applies when you visit our website, use online banking, use our mobile application, or otherwise interact with us digitally.
The Information We Collect
We collect personal information when you choose to share it with us. For example, you may provide information when you open an account, apply for a loan, request a service, or contact us. Depending on your relationship with us, this may include your name, address, contact details, Social Security number, income, employment information, and account or transaction details.
We also collect certain information automatically when you use our Services. This may include, but not be limited to, the date and time of your visit, the pages you view, the links you use, your device and browser type, device location data, and your IP address (a number that helps identify your device online). This information helps us provide our Services and understand how our website and mobile application are used and keep them working properly.
In some cases, we may also receive information from other sources, such as credit bureaus, affiliates, or other companies, as part of providing financial services.
How We Use Your Information
We use your information to provide our Services, provide you with personalized content, manage your accounts, and respond to your requests. This includes processing transactions, supporting your online banking experience, providing you with information and features based on your device location, and communicating with you when needed.
We also use your information to protect your accounts and detect fraud, meet legal and regulatory requirements, and improve how our Services work. Information you provide through the website and mobile application may be used internally to respond to your inquiry or request.
How We Share Your Information
We do not sell your personal information.
Like all financial institutions, we share information as part of our everyday business. This may include sharing information to process transactions, maintain your account, respond to legal requests, or report to credit bureaus.
We may also share your information with service providers who help us operate our business, such as companies that support payments, technology, or account services. In addition, we may share information with our affiliates (companies related to ENB) and for joint marketing with other financial companies, as allowed by law.
Your personal information may be transferred, sold, or otherwise conveyed to a third-party where we: (i) merge with or are acquired by another business entity; (ii) sell all or substantially all of our assets; (iii) are adjudicated bankrupt; or (iv) are liquidated or otherwise reorganize.
We do not share information with nonaffiliated companies so they can market to you.
Your Privacy Rights
Federal law gives you the right to limit certain types of sharing, but not all. For example, you can limit sharing related to your creditworthiness or certain affiliate marketing uses.
You may have additional rights related to personal information collected about you, depending on your jurisdiction. These rights may include the ability to request access to personal information, request correction or deletion of personal information, or opt out of certain data uses. To exercise your rights, please contact us at Contact Us or call (877) 773-6605.
If you limit sharing for a joint account, your choice will apply to all account holders unless you tell us otherwise.
If you do not want to receive marketing and promotional emails from us, you may click on the “unsubscribe” link in the email to unsubscribe and opt out of marketing email communications or contact us for more information.
You may also opt out of marketing messages at any time and update your contact information by reaching out to us or using online banking. To exercise choices regarding the marketing information you receive, you may also review the following links:
- You may opt out of tracking and receiving tailored advertisements on your mobile device by some mobile advertising companies and other similar entities by downloading the App Choices app at https://aboutads.info/appchoices.
- You may opt out of receiving permissible targeted advertisements by using the NAI Opt-out tool available at http://optout.networkadvertising.org/?c=1 or visiting About Ads at http://optout.aboutads.info.
- You can opt out of having your activity on our Services made available to Google Analytics by installing the Google Analytics opt-out add-on for your web browser by visiting https://tools.google.com/dlpage/gaoptout for your web browser.
Cookies and Tracking Tools
Cookies are small files placed on your device when you visit a website. They help the site recognize your browser and remember your preferences.
We use cookies and similar tools to support secure logins, remember your settings, and understand how visitors use our site. This helps us improve performance and make the site easier to use. Some cookies are necessary for the site to function, while others help us improve your experience.
You can control cookies through your browser settings, including blocking or deleting them. Please note that some parts of the site may not work as expected if certain cookies are disabled.
How We Protect Your Information
We use security measures that follow federal standards to protect your personal information. These include computer safeguards, secure files and buildings, and limits on who can access your information. However, no data transmitted over the internet can be guaranteed to be 100% secure.
Our employees are trained to protect the confidentiality and privacy of customer information, no matter how it is collected. If you believe that your information has been accessed or acquired by an unauthorized person, you should promptly contact us so that necessary measures can quickly be taken.
Data Retention, Storage, and Processing
We retain personal information collected through our Services only for as long as necessary to provide you with our Services, maintain website and mobile application functionality and security, comply with our legal obligations, resolve disputes, respond to visitor inquiries, and enforce our policies. In accordance with our routing record keeping, we may delete certain records that contain information you have provided to us. We are under no obligation to store such information indefinitely and disclaim any liability arising out of, or related to, the destruction of such information.
If you are using our Services from a country outside the United States, you should be aware that you may transfer personal information about yourself to the United States, and that the data protection laws of the United States may not be as comprehensive as those in your own country. By using our Services and providing any personal information, you consent to the transfer of such personal information to the United States.
Based on security risk, we may, in our sole discretion, block access to our Services from certain countries.
Third-Party Links
Our website may include links to third-party websites for your convenience. If you follow those links, you will be subject to the privacy policies of those sites. We are not responsible for the privacy and security practices of these third-party sites, and we encourage you to review their policies before sharing information.
Children’s Privacy
Our Services are intended only for users over the age of 13. If we become aware that a user is under 13 (or a higher age threshold where applicable) and has provided us with information, we will take steps to comply with any applicable legal requirements and remove such information. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13.
Other Important Information
Special Notice For California Residents
We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Vermont Customers
We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
For additional information concerning our privacy practices please Contact Us or call (877) 773-6605.
Changes to This Policy
We may update this policy from time to time. When we do, we will post the updated version here so you can stay informed.
Contact Us
If you have questions about this policy or how your information is used, we’re here to help. You can call us, visit a financial center, or contact us through our website or mobile application.
Institutions Within Ephrata National Bank
EPHRATA NATIONAL BANK’s affiliates include non-bank subsidiaries, including ENB Insurance, LLC.
FAQ
Why does ENB collect my information?
We collect your information to provide Services, maintain your accounts, and meet legal requirements.
Do you sell my personal information?
No. We do not sell your personal information.
Can I limit how my information is shared?
In some cases, yes. Federal law allows you to limit certain types of sharing, especially related to credit information and marketing. Applicable state law may provide you with additional choices related to information sharing.
What are cookies used for?
Cookies help keep the website secure, remember your settings, and improve your experience.
How do I contact you about privacy?
You can call us or reach out through our website or mobile application to ask questions or make a request.
Warranties & Disclaimers
Permitted Use
Any person is hereby authorized to view the information available from this website for informational purposes only. No part of the information on this site can be redistributed, copied or reproduced without prior written consent of Ephrata National Bank, and the copyright owner of the specific information at issue.
Disclaimer of Warranties
The information contained or accessed is provided “as is” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.
This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.
Privacy Disclosure
Rev. October 2026**
| FACTS | WHAT DOES EPHRATA NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION? |
| Why? | Financial companies choose how they share your personal information. Federal certain state laws gives consumers the right to limit some but not all sharing. Federal and certain state laws also require us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
The types of personal information we collect and share depend on the product or Service you have with us. This information can include:
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| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Ephrata National Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does EPHRATA NATIONAL BANK share? | Can you limit this sharing? |
| For our everyday business purposes – such as to provide you with Services, process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes – to offer our products and Services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don’t share |
| To limit our sharing |
Please note: However, you can contact us at any time to request we limit our sharing. |
| Questions? | Call 877.773.6605 or go to www.epnb.com/connect/connect/contact/ |
| Who We Are | ||
| Who is providing this notice? | Ephrata National Bank means the following institutions: ENB Insurance LLC and Ephrata National Bank | |
| What We Do | ||
| How does EPHRATA NATIONAL BANK protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. | |
| How does EPHRATA NATIONAL BANK collect my personal information? |
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. | |
| Why can’t I limit all sharing? |
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under certain state law. | |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account — unless you tell us otherwise. | |
| Definitions | ||
| Affiliates |
Companies related by common ownership or control. They can be financial and non-financial companies.
| |
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies.
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| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or Services to you.
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| Other Important Information | ||
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