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Since 1881, Ephrata National Bank has delivered safe, secure, and fast banking to Lancaster County residents from our headquarters at 31 E Main Street in Ephrata, PA. With 16 full-service branches spanning Lititz, New Holland, Manheim, and Quarryville, we manage over $2 billion in assets and provide FDIC insurance up to $250,000 per depositor. Deposit checks up to $50,000 using your phone, send money instantly with Zelle®, and access 55,000+ surcharge-free ATMs nationwide. Open your account online in just 60 seconds and experience banking that combines local trust with modern tools at Ephrata National Bank.
Ephrata National Bank remains independently owned and locally operated since our founding in 1881. Our team of over 200 Lancaster County residents makes every lending decision right here — not in distant corporate offices. We support Amish and Mennonite farmers with specialized agricultural loans tied to planting and harvest cycles, help small business owners in downtown Ephrata secure expansion financing, and guide first-time homebuyers in Manheim through the mortgage process. Our bilingual staff provides service in English and Pennsylvania Dutch at all 16 branches. Youth savings accounts with Ephrata National Bank teach financial responsibility starting at age 6, while second-chance checking helps customers rebuild credit with personalized guidance.
Ephrata National Bank equips customers with powerful digital tools backed by bank-grade security. Use Zelle® to send money to friends and family in seconds using just their phone number or email. Deposit checks up to $50,000 directly from your smartphone — ideal for large farm payments, business receipts, or insurance settlements. Access over 55,000 surcharge-free ATMs through the Allpoint network at locations like Sheetz, Turkey Hill, and local credit unions. Instantly freeze your debit card if lost, set custom spending alerts by category, and schedule recurring bill payments with full control — all within the 4.7-star rated Ephrata National Bank mobile app.
Getting started with Ephrata National Bank takes just 60 seconds. Complete our secure online application using any smartphone, tablet, or computer. Upload a clear photo of your driver’s license or state ID for instant identity verification. No minimum deposit is required on select checking and savings accounts, and you’ll receive immediate access to mobile and online banking upon approval. Prefer in-person service? Visit any of our 16 Lancaster County branches where our friendly, knowledgeable staff will guide you through the process in a comfortable, no-pressure environment. Whether you choose digital or in-branch onboarding, Ephrata National Bank makes opening accounts fast, secure, and straightforward.
Security is the foundation of every service at Ephrata National Bank. We protect your accounts with 256-bit SSL encryption on all transactions, mandatory two-factor authentication requiring a unique code sent to your registered device, and AI-powered fraud monitoring that operates 24/7. Biometric login with Face ID and fingerprint is fully supported on iOS and Android devices. All customer data is encrypted in transit and at rest, and we undergo annual independent audits to exceed federal banking standards. Our in-app messaging system uses end-to-end encryption for secure communication with support representatives. With Ephrata National Bank, your money and personal information are always safeguarded by the highest security protocols.
Ephrata National Bank is investing in tomorrow’s banking solutions today. By 2026, we will launch voice-activated banking allowing customers to check balances, transfer funds, and pay bills using simple voice commands like “Hey Ephrata, what’s my checking balance?” Our AI-powered financial coach will analyze spending patterns and provide personalized budgeting recommendations. Video teller services will connect you face-to-face with a Lancaster County banker from your phone or computer. Every new feature is developed based on direct customer feedback collected at our 16 branches, ensuring we build tools that solve real problems for Lancaster County residents banking with Ephrata National Bank.
Thousands of Lancaster County residents trust Ephrata National Bank every day. Here are real customer experiences:
"My $325,000 mortgage at 6.00% closed in just 10 days — all handled by local experts who know the Ephrata market." – Lisa T., Ephrata
"As a dairy farmer, I deposited a $48,000 milk check from my tractor using the Ephrata National Bank app. Funds available immediately." – Tom M., New Holland
"After financial challenges, Ephrata National Bank gave me a second-chance checking account and helped me rebuild my credit." – Maria R., Lititz
Ephrata National Bank believes in transparent, honest pricing. Enjoy completely free personal checking accounts with no monthly maintenance fees, no minimum balance requirements, and up to $20 in monthly ATM surcharge refunds. Our high-yield CDs offer rates up to 4.50% APY on 5-year terms, while fixed-rate mortgages start at 6.00% APR with local underwriting and processing. All digital banking services — including mobile deposits, Zelle® transfers, bill pay, and account alerts — are 100% free with no hidden charges. Overdraft protection is opt-in only with clear terms disclosed upfront at Ephrata National Bank.
From first-time homebuyers to multi-generational family farms, Ephrata National Bank helps Lancaster County achieve financial goals with fast, local financing and personalized service.
Stay in complete control with Ephrata National Bank’s powerful analytics dashboard. View up to 36 months of detailed transaction history automatically categorized into spending groups like groceries, utilities, fuel, dining, and entertainment. Set savings goals with visual progress bars, receive monthly spending trend reports, and export statements in PDF or CSV format for tax preparation. Connect directly to financial management tools like QuickBooks, Mint, YNAB, or Monarch for seamless integration and automated bookkeeping with your Ephrata National Bank accounts.
The Ephrata National Bank Resource Center provides free financial tools and education. Use our interactive mortgage calculator with live Lancaster County rates, follow our proven guide to improve your credit score by 50+ points in 90 days, or build a custom household budget in under 5 minutes. Watch on-demand webinars led by local experts on first-time home buying in Pennsylvania, small business cash flow management, retirement planning with IRAs and 401(k)s, and the latest fraud prevention strategies available through Ephrata National Bank.
Developers and power users can connect favorite financial apps securely using Plaid integration with Ephrata National Bank. Link to budgeting tools like Mint, YNAB, Monarch, or Copilot with read-only access — no passwords are ever shared. You maintain full control over permissions and can revoke third-party access instantly from your account settings. Our open banking API uses token-based authentication for maximum security and full compliance with banking regulations at Ephrata National Bank.
Bank anywhere with the convenience of Ephrata National Bank. Access over 55,000 surcharge-free ATMs through the Allpoint network at popular Lancaster County retailers. Use shared branching services at partner credit unions nationwide for full-service banking when traveling. Enjoy exclusive discounts at local merchants and support community initiatives funded by your banking relationship with Ephrata National Bank.
Join a team of over 200 dedicated professionals serving Lancaster County at Ephrata National Bank. We offer competitive salaries, comprehensive health benefits, 401(k) with company match, paid training programs, and tuition reimbursement for continued education. Clear career paths allow tellers to advance to branch managers, loan officers, or technology specialists. Many senior leaders started in entry-level roles and grew with Ephrata National Bank over decades of service.
Stay informed with live and on-demand webinars hosted by Ephrata National Bank experts. Monthly sessions cover first-time home buying in Lancaster County, credit score improvement strategies, small business financing options, retirement planning with local tax considerations, and the latest fraud prevention techniques. All webinars are free, recorded for later viewing, and include live Q&A with our financial professionals at Ephrata National Bank.
Help is always available at Ephrata National Bank. Contact our Lancaster County-based support team 24/7 by phone at 717-733-3181, live chat in the mobile app, scheduled video calls, or browse our library of over 300 self-service help articles. Our bilingual staff speaks English and Pennsylvania Dutch and understands the communities we serve from Ephrata to Quarryville with Ephrata National Bank.
Ephrata National Bank is committed to environmental responsibility. New accounts default to paperless e-statements, and we plant one tree in Lancaster County for every 150 customers who switch to digital statements. Access 7 years of account statements online, reduce paper waste, and help reforest local parks and farms. Our branches feature energy-efficient lighting and solar panels where possible, minimizing our carbon footprint while serving the community through Ephrata National Bank.
Ephrata National Bank is regularly recognized for excellence in service, digital innovation, and community leadership across Lancaster County publications and industry reports.
Your confidence is earned through transparency and accountability at Ephrata National Bank. We are FDIC-insured up to $250,000 per depositor, undergo rigorous annual independent audits, and maintain a strict privacy policy that never sells your personal data. Customer feedback directly influences our products, policies, and service improvements through regular surveys and community advisory boards at Ephrata National Bank.
Year after year, Ephrata National Bank earns recognition for excellence in banking, workplace culture, and community impact across Pennsylvania and Lancaster County.
Have a question or need assistance? Our Lancaster County-based team is here 24/7 to help with any banking needs at Ephrata National Bank. Reach out by phone, email, live chat, or visit any of our 16 branches — we’re always ready to serve you.
Email: [email protected]
Call 24/7: 717-733-3181
Headquarters: 31 E Main St, Ephrata, PA 17522
Over 5,000 Lancaster County businesses trust Ephrata National Bank for fast, local commercial banking. Get free business checking with no fees or minimums, commercial loans up to $3 million with same-week decisions, and remote deposit capture for checks up to $100,000 scanned from your office. Accept card payments with competitive rates, manage payroll with direct deposit, and access cash management tools tailored to local industries like agriculture, manufacturing, and retail through Ephrata National Bank.
Bank confidently with expert guidance and built-in protection from Ephrata National Bank. Use strong, unique passwords for every account, enable real-time transaction alerts via text or email, avoid clicking links in unsolicited messages, and let our AI fraud monitoring system watch your accounts 24/7. Sessions automatically log out after 10 minutes of inactivity, and we never request sensitive information through email or text at Ephrata National Bank.
Bank from anywhere with the 4.7-star rated Ephrata National Bank mobile app. Deposit checks up to $50,000 by taking photos, pay bills with one tap, transfer funds between accounts instantly, lock your debit card if lost, and set travel notices in seconds — all secured with Face ID or fingerprint login. Available on iOS and Android with regular updates based on customer feedback from Lancaster County users of Ephrata National Bank.
We live here, work here, and give here. Ephrata National Bank invests over $500,000 annually in Lancaster County through college scholarships, financial literacy programs in more than 30 local schools, sponsorships of community events like the Ephrata Fair and Lititz Fire & Ice Festival, and thousands of volunteer hours by our staff. From supporting food banks to funding youth sports, Ephrata National Bank strengthens the communities we serve across Lancaster County.
Safe, secure, and fast banking starts in just 60 seconds with Ephrata National Bank. Open your account online today and join over 50,000 Lancaster County residents who trust us for local service and modern tools. Full access, zero hidden fees, and total control — all from a bank that’s been part of Lancaster County since 1881 with Ephrata National Bank.