| Product |
Minimum to Open |
Who Should Use It? |
| Personal Checking |
$50 |
If you would like the convenience of no minimum balance checking. This checking product also includes no monthly service fee and no per-check charge. |
| Interest Checking |
$1,000 |
If you would like to earn interest and have unlimited check-writing privileges. |
| MyChecking101 |
$25 |
Young adults who would like to have their first checking account. Comes with free Internet Banking, Bill Payment, and ATM/Debit card. |
| Carefree Club 50 Checking |
$50 |
If you're over 50 and would like a checking account with added benefits like check order and safe deposit box discounts, free ATM/Debit card, and free seminars on topics of interest. |
| Money Market Account |
$2,500 |
If you would like a higher rate of interest, but still have the flexibility to access your money. |
| Bonus Checking Overdraft Protection |
N/A |
If you would like to tie your checking account to a qualifying deposit account to prevent overdrafts. |
| Overdraft Line of Credit |
N/A |
If you would like to tie your checking account to an approved line of credit to prevent overdrafts. |
| ATM Card |
N/A |
If you would like 24-hour access to your money through ATMs. |
| Personal Debit Card |
N/A |
If you would like the ability to withdraw funds from ATMs or pay for purchases at the register. Funds will be deducted directly from your checking account. |
| Visa® Personal Credit Card |
N/A |
If you would like the ability to build and maintain your credit history while you make purchases everywhere that VISA® is accepted. Funds will be deducted from a line of credit associated with your credit card. |
| MasterCard® SecureCode |
N/A |
If you have a debit card through Ephrata National Bank and would like added security protection when you make online purchases. |