ENB Insights

As a business owner, you have more important things to deal with than credit card chargebacks. They can be time-consuming and expensive. Here are some tips to help avoid them:

Marshmallows and savings habits might have a lot in common. A Stanford University study, led by Dr. Walter Mischel, highlighted the power of delayed gratification. The series of studies began in the early 1960s by examining the reactions of preschoolers when given a set of seemingly simple choices:

Investing in property can be a smart way to diversify your portfolio, generate cash flow, and build wealth.

Before your lender will let you buy a new home, you’ll need to have it appraised. This is an often overlooked but important step in your homebuying journey.

Liquid assets are your business’s lifeblood. Maintaining a strong liquidity position enables your company to weather temporary disruptions, secure affordable financing, and pursue sustainable growth. To gain a full perspective on this element of your finances, you’ll need to understand liquidity ratios. In this article, you’ll learn what liquidity ratios are, how to calculate and interpret them, and how to optimize…

ENB has become aware of a new vishing scam in which reports indicate some of our customers have been targeted.  Perpetrators of this scam call ENB customers posing as a "Security Officer from Ephrata National Bank".  The caller then asks the customer to confirm suspicious transactions on their accounts. Once the customer confirms the transactions are not valid, the fraudster…

When it comes to running a business, every penny counts. That is why it is essential to understand the fees associated with credit card processing. The fees can vary depending on the type of card used, your business transaction volume, and the processing company you choose. If you want to reduce your credit card processing fees, here are four tips…

Thinking about refinancing your mortgage? Consider these ideas to determine if now is the right time for you.

Individuals and businesses have become targets to a growing online fraud scheme known as ransomware. Ransomware is a form of malware used by cyber criminals to freeze your computer or mobile device, steal your data and demand a “ransom” —  typically anywhere from a couple of hundreds to thousands of dollars — be paid.

A college education is associated with increased earnings, fewer periods of unemployment, and greater job satisfaction.1 However, paying for college without incurring debt remains a challenge. Tuition, fees, and living expenses often surpass the amount set aside in college savings plans or available through federal and state grant programs. For many students, scholarship opportunities are limited, leaving loans as the…