No. ENB Employee accounts are NOT automatically masked in Horizon. Employees have the option to request their account(s) be masked/designated as “Confidential” which prohibits most ENB employees from reviewing account details including account balances. If an employee prefers to have their account information masked, they should visit their local ENB branch to have their “Confidential” level updated. This action will maintain the account so that most information is private.

Customers can use any Allpoint ATM for fee-free withdrawals. There are more than 55,000 locations, including Target, Costco, Walgreens, Wawa, and CVS.

Cecil Bank branches will continue to offer ATMs services. Branch ATMs will be upgraded and will remain available for fee-free withdrawals during installation. For deposits, customers can use a night deposit box or visit the branch.

After conversion weekend, all ENB Community Banking Offices in Cecil County will have Express Banking ATMs, which allow both withdrawals and deposits. Additionally, ENB remains a part of the Allpoint network, providing customers access to ATMs at more than 55,000 locations, including Target, Costco, Walgreens, Wawa, and CVS. Customers will be able to use the ATM locator in ENB Online and Mobile Banking to find your nearest ATM.

Find ENB’s Expense Reimbursement Instructions here. Be sure to reference our Travel and Expense Policy in ADP before submitting to ensure that your expenses qualify for reimbursement.

No, customer account numbers will not change. They will maintain their Cecil Bank account numbers after the transition to ENB’s systems.

Yes, they can continue using their Cecil Bank checks after the transition to ENB’s systems. We will offer an option to order new checks at that time as well.

Yes, they can continue using their Cecil Bank debit cards after the transition to ENB’s systems. We will share a timeline for issuing new debit cards when it is finalized.

Use the ENB Who to Call Guide linked below when referring customers to ENB for specific products or services. The guide includes the appropriate contacts for Basys, Cash Management, Lending, Consumer & Business Deposits, Investments, Mortgage, and Wealth.

ENB Who to Call Guide

• Email: TDoty@epnb.com
• Phone: TDoty@epnb.com

• Email: APavlichko@epnb.com
• Phone: (717) 721-5273

• Email: ABowman@epnb.com
• Phone: (717) 721-5253

• Email: help@epnb.com
• Phone: (717) 693-7830

• Email: NImhoff@epnb.com
• Phone: (717) 585-6271

• Email: enb@epnb.com
• Phone:  (877) 773-6605

Refer to the Branch Buddies Guide below to find who the name and contact information of your corresponding ENB or Cecil Bank branch buddy.

Branch Buddies Guide

Refer to the Cecil Branch Org Chart below to find the reporting structure of your Cecil Bank branch.

Cecil Branch Org Chart

• To remain an independent community bank of undisputed integrity so the communities we serve benefit from our prosperity.
• To help our employees find career fulfillment through professional growth and personal empowerment for mutual achievement.
• To help our customers achieve financial health and well-being, as defined by them, throughout their lifetime.
• To provide our shareholders with a consistent return on their investment by being a top-performing financial institution.

• Local decision-making
• Long-term customer relationships
• Community presence and service
• Stability, tradition, and integrity
• A commitment to employees as part of the bank’s long-term success

ENB was founded in 1881 by 73 investors who contributed $100 each. Its largest early investor, William Z. Sener, became the bank’s first president.

ENB’s headquarters is located at 31 E. Main Street, Ephrata, Pennsylvania, in the bank’s historic building completed in 1925.

Total assets: $2.22 billion (as of 2024)

Employees: 306

Locations: 19 branches across Lancaster, Lebanon, and Berks counties, with expansion into Maryland underway.

• Digital banking and Allpoint Network ATM access
• Checking and savings accounts
• Home loans and business loans
• Agricultural and commercial lending
• Investment and trust services (ENB Wealth Solutions)
• Insurance services through ENB Insurance

• First drive-in and walk-up facility: 1965
• First branch outside downtown Ephrata: 1967
• Major back-office expansion: Technology Center opened in 2004
• New branches opened throughout the 2000s–2020s in communities such as Manheim, Leola, Morgantown, Strasburg, Elizabethtown, Quarryville, and more
• 2025: Opening of downtown Lititz branch in the restored 1924 Lititz Springs National Bank building
• 2025: Opening of Tec Centro Lancaster office focused on bilingual services and financial literacy

Key leaders include:

Jeffrey S. Stauffer – President, CEO, and Chairman (retiring end of 2026)
Rachel G. Bitner – President and Chief Executive Officer Elect, who will become ENB’s 9th president and first woman to hold the role
Joselyn D. Strohm – COO & Senior EVP
Nicholas D. Klein – EVP, Chief Risk Officer
Douglas P. Barton – EVP, Chief Financial Officer

• Microloan program with Good Samaritan Services
• Pigs in the Park youth savings initiative
• Letters to Santa Christmas nonprofit giving contest
• Partnerships supporting workforce development, revitalization, and community events across its footprint

ENB Financial Corp. is the holding company for Ephrata National Bank, formed in 2008. It trades on the OTCQX under the symbol ENBP.