Personal Overdraft Protection Options

ENB's Overdraft Protection options provide peace of mind with your accounts. We have a variety of products to meet your needs, whether you want to ensure against the occasional overdraft or whether you're running a tight budget and want to ensure that your major expenses are always paid.

Best of all, several of our options reduce the amount of overdraft fees you would pay in the event that you would overdraw your account.

Stop by any ENB branch for more information and to open an account today!

What It Is	Transaction Fee	Who Should Use It?
Bonus Checking Overdraft Protection
Your savings and checking accounts are linked. As needed, funds are drawn from your available savings to cover checking overdrafts.	$7/Transfer	If you would like guaranteed overdraft payment (up to the balance of your savings account) and reduced overdraft expense.
Overdraft Line of Credit
Your checking account is linked to an approved line of credit. As needed, funds are drawn in $100 increments to cover checking overdrafts.	Daily interest on transferred funds	If you would like guaranteed overdraft payment (up to the available balance of your line of credit) and no per-item overdraft fee.
Personal Debit Card Overdraft Authorization
An authorization to allow one-time debit card or ATM charges to overdraw your account.	$30/Overdraft	If you would like to reduce your chance of a debit card decline at a store or during an online purchase. This authorization does not provide guaranteed overdraft protection.
Click here for a copy of the Personal Debit Card Overdraft Authorization.

Stop by any ENB branch for more information and to open an account today!
Ephrata National Bank, Member FDIC