Checking Overdraft Protection

Ephrata National Bank gives you two options whenever extra money is needed to cover checking shortfalls. Both are a great way to provide peace of mind and avoid costly overdraft fees**.

Bonus Checking Overdraft Protection

This is available for any ENB personal checking account. It delivers peace of mind when you don’t have sufficient available funds in your checking account to cover a transaction. It’s simple to set up – just link your checking to an ENB savings account*. If you overdraw the available funds, money is automatically transferred from your savings to cover the difference**.

Unsecured Personal Line of Credit

If you don’t want to transfer money from a savings account to cover an overdraft, we can set you up with an unsecured line of credit. We’ll establish an available credit limit and tie it to your ENB checking account to prevent overdrafts. With no fixed maturity date and a variable interest rate, you can easily access and transfer funds by check, online, phone, or in person. Get a .50% discount with automatic payment from an ENB checking account.

Liquid net worth less than $500,000

Amount3
APR1
Monthly Payment/$5,0002
Amount3: $250 - $4,999
APR1: 14.54%4
Monthly Payment/$5,0002: $161.41
Amount3: $5,000 - $20,000
APR1: 14.04%5
Monthly Payment/$5,0002: $159.29

Liquid net worth between $500,000 – $999,999

Amount3
APR1
Monthly Payment/$5,0002
Amount3: $500 – $19,999
APR1: 11.53%6
Monthly Payment/$5,0002: $148.70
Amount3: $20,000 – 50,000
APR1: 11.03%7
Monthly Payment/$5,0002: $146.58

Liquid net worth greater than $1,000,000

Amount3
APR1
Monthly Payment/$5,0002
Amount3: $20,000 – $49,999
APR1: 11.03%8
Monthly Payment/$5,0002: $146.58
Amount3: $50,000 – $100,000
APR1: 9.03%9
Monthly Payment/$5,0002: $138.11
Contact us and we’ll answer your questions.

*The following savings accounts are available as Bonus Checking Overdraft Protection: Statement Savings, Super Saver (linked to My Checking 101), and Money Market Account. **$12 transfer charge applies. Refer to ENB’s schedule of fees for a complete listing of fees.

1APR = Annual Percentage Rate. Effective December 19, 2024 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply. 2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.  3This product is a variable rate line of credit based on Wall Street Journal Prime (WSJP), our standard rate, currently 7.50% as of 12/19/2024, plus a margin between 2% and 7.5% determined by credit score, loan amount, and debt to income ratio, and will not exceed 18% APR. Monthly payment equals 2.00% of the principal balance outstanding on the last day of the billing cycle plus accrued interest ($25 minimum). 4The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 7.5% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41% 5The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 7.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41% 6The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 4.5% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 7The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 4.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 8The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 4.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 9The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 2.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. Ephrata National Bank, Member FDIC. Equal Housing Lender.