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 site.
Ephrata National Bank will not collect personal information about you when visiting our website unless you volunteer 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, what pages were visited, servers, and links used. We will use the information gathered to assist us in making our site more user-friendly and accessible to visitors.
Our website 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 by posting a new privacy policy.
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 choices you have. We keep it simple so you can feel informed and in control when you use our website and online 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, or 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 visit our website. This may include the date and time of your visit, the pages you view, the links you use, your device and browser type, and your IP address (a number that helps identify your device online). This information helps us understand how our site is used and keep it 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 services, manage your accounts, and respond to your requests. This includes processing transactions, supporting your online banking experience, 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 website and services work. Information you provide through the website 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 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.
We do not share information with nonaffiliated companies so they can market to you.
Your Privacy Choices
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 can contact us to make a privacy choice or ask a question. If you limit sharing for a joint account, your choice will apply to all account holders unless you tell us otherwise.
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.
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.
Our employees are trained to protect the confidentiality and privacy of customer information, no matter how it is collected.
Third-Party Links
Our website may include links to other websites for your convenience. If you follow those links, you will be subject to the privacy policies of those sites. We encourage you to review their policies before sharing information.
Children’s Privacy
Our website is not intended for children under 13, and we do not knowingly collect personal information from children.
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.
Additional information concerning our privacy policies can be found at 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.
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.
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 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. February 2026**
| FACTS | WHAT DOES EPHRATA NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION? |
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires 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:
|
| 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 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 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 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.
| |
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
| |
| Other Important Information | ||
| ||
| ||
