The Ephrata National Bank

Headquarters: Ephrata, Pennsylvania
Charter: Bank
Assets: $2.4B
Fed district: Philadelphia

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Checking
Can be waived with a balance of $1,000 or more.
The Ephrata National Bank: $15
The Ephrata National Bank: $15
U.S. median: no median
Overdraft (OD)
The Ephrata National Bank: $37
The Ephrata National Bank: $37
U.S. median: no median
NSF / Returned Item
The Ephrata National Bank: $37
The Ephrata National Bank: $37
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from The Ephrata National Bank’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly service charge (audience not stated, treated as personal)$15
per month
Closed Account Fee$25
Dormant Account$10
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft$37
per item
Insufficient Funds$37
per item

ATM & Card

Non-Network ATM Withdrawal$3.50
per transaction
ATM/Debit Card Replacement$10
per item
International ATM/Debit Card Transaction$2

Check Services

Cashier’s Checks$12
per item
ACH Stop Payment$37
per item
Stop Payment$37
per item
Counter Checks$4
Not compared: Charged per page; comparison unavailable
per page
Check Cashing$10
per item
Canadian Check Processing Fee$15
per item

Cash & Deposit

Deposited Item Returned$15
per item

Account Services

Drilling Fee$300
Not compared: Box drilling or key fee
Lost Key Replacement Fee$25
Not compared: Box drilling or key fee
Domestic Relations Levy$250
per item
Tax Levy$250
per item
Writ of Execution/Garnishment$250
per item

Lending Fees

Late Fee$10
per item

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Statement Reprint$5

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly service charge (audience not stated, treated as personal)	$15	per month	None
Closed Account Fee	$25	Not stated	None
Dormant Account	$10	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft	$37	per item	None
Insufficient Funds	$37	per item	None
ATM & Card
Non-Network ATM Withdrawal	$3.50	per transaction	None
ATM/Debit Card Replacement	$10	per item	None
International ATM/Debit Card Transaction	$2	Not stated	None
Check Services
Cashier’s Checks	$12	per item	None
ACH Stop Payment	$37	per item	None
Stop Payment	$37	per item	None
Counter Checks	$4Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing	$10	per item	None
Canadian Check Processing Fee	$15	per item	None
Cash & Deposit
Deposited Item Returned	$15	per item	None
Account Services
Drilling Fee	$300Not compared: Box drilling or key fee	Not stated	None
Lost Key Replacement Fee	$25Not compared: Box drilling or key fee	Not stated	None
Domestic Relations Levy	$250	per item	None
Tax Levy	$250	per item	None
Writ of Execution/Garnishment	$250	per item	None
Lending Fees
Late Fee	$10	per item	None
Retirement & IRA
IRA Transfer Fee	$50	Not stated	None
Other Fees
Statement Reprint	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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