1.5 star ratingAverage User Rating:
1.5 star rating based on 7 reviews.

Fulton Bank, National Association

Fulton Bank, National Association Locations
One Penn Square, P.O. Box 4887
Lancaster, PA 17604
800.385.8664
www.fultonbank.com

FDIC

Fulton Bank, National Association is headquartered in Lancaster and is the 5th largest bank in the state of Pennsylvania. It is also the 120th largest bank in the nation. It was established in 1882 and as of December of 2012, it had grown to 1,395 employees at 124 locations. Fulton Bank, National Association has a 4-star health rating.



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Fulton Bank, National Association CD Rates

ApyMinMaxProduct
1.50%†$500-120 Month Relationship CD
1.25%†$500-120 Month CD
1.25%†$500-90 Month Relationship CD
1.10%†$500-60 Month Relationship CD
1.00%†$500-90 Month CD
1.00%†$500-36 Month Relationship CD
1.00%†$500-48 Month Relationship CD
1.00%†$500-50 Month Relationship CD
0.85%†$500-60 Month CD
0.80%†$500-40 Month Relationship CD
0.80%†$500-42 Month Relationship CD
0.75%†$500-36 Month CD
0.75%†$500-48 Month CD
0.75%†$500-50 Month CD
0.70%†$500-36 Month Bump up Relationship CD
0.65%†$500-25 Month Relationship CD
0.65%†$500-29 Month Relationship CD
0.65%†$500-30 Month Relationship CD
0.65%†$500-35 Month Relationship CD
0.60%†$500-24 Month Bump UP Relationship CD
0.60%†$500-24 Month Relationship CD
0.55%†$500-40 Month CD
0.55%†$500-42 Month CD
0.50%†$500-18 Month Relationship CD
0.50%†$500-21 Month Relationship CD
0.50%†$500-22 Month Relationship CD
0.45%†$500-36 Month Bump up
0.45%†$500-15 Month Bump-up Relationship CD
0.45%†$500-15 Month Relationship CD
0.40%†$500-25 Month CD
0.40%†$500-29 Month CD
0.40%†$500-30 Month CD
0.40%†$500-35 Month CD
0.40%†$500-13 Month Relationship CD
0.40%†$500-14 Month Relationship CD
0.35%†$500-24 Month CD
0.35%†$500-24 Month Bump UP CD
0.30%†$500-3 Month Relationship CD
0.30%†$500-4 Month Relationship CD
0.30%†$500-5 Month Relationship CD
0.30%†$500-6 Month Relationship CD
0.30%†$500-7 Month Relationship CD
0.30%†$500-8 Month Relationship CD
0.30%†$500-9 Month Relationship CD
0.30%†$2,500-9 Month No Penalty Relationship CD
0.30%†$500-10 Month Relationship CD
0.30%†$500-11 Month Relationship CD
0.30%†$500-12 Month Relationship CD
0.30%†$500-12 Month Variable Rate Relationship CD
0.25%†$500-18 Month CD
0.25%†$500-21 Month CD
0.25%†$500-22 Month CD
0.20%†$500-15 Month CD
0.20%†$500-15 Month Bump-up CD
0.15%†$500-13 Month CD
0.15%†$500-14 Month CD
0.05%†$500-3 Month CD
0.05%†$500-4 Month CD
0.05%†$500-5 Month CD
0.05%†$500-6 Month CD
0.05%†$500-7 Month CD
0.05%†$500-8 Month CD
0.05%†$500-9 Month CD
0.05%†$2,500-9 Month No Penalty CD
0.05%†$500-10 Month CD
0.05%†$500-11 Month CD
0.05%†$500-12 Month CD
0.05%†$500-12 Month Variable Rate CD

Fulton Bank, National Association IRA Rates

ApyMinMaxProduct
1.50%†$500-120 Month Relationship IRA
1.50%†$500-120 Month Relationship Roth IRA
1.50%†$500-120 Month Relationship CESA
1.25%†$500-90 Month Relationship IRA
1.25%†$500-120 Month IRA
1.25%†$500-90 Month Relationship Roth IRA
1.25%†$500-120 Month Roth IRA
1.25%†$500-90 Month Relationship CESA
1.25%†$500-120 Month CESA
1.10%†$500-60 Month Relationship IRA
1.10%†$500-60 Month Relationship Roth IRA
1.10%†$500-60 Month Relationship CESA
1.00%†$500-36 Month Relationship IRA
1.00%†$500-48 Month Relationship IRA
1.00%†$500-50 Month Relationship IRA
1.00%†$500-90 Month IRA
1.00%†$500-36 Month Relationship Roth IRA
1.00%†$500-48 Month Relationship Roth IRA
1.00%†$500-50 Month Relationship Roth IRA
1.00%†$500-90 Month Roth IRA
1.00%†$500-36 Month Relationship CESA
1.00%†$500-48 Month Relationship CESA
1.00%†$500-50 Month Relationship CESA
1.00%†$500-90 Month CESA
0.85%†$500-60 Month IRA
0.85%†$500-60 Month Roth IRA
0.85%†$500-60 Month CESA
0.80%†$500-40 Month Relationship IRA
0.80%†$500-42 Month Relationship IRA
0.80%†$500-40 Month Relationship Roth IRA
0.80%†$500-42 Month Relationship Roth IRA
0.80%†$500-40 Month Relationship CESA
0.80%†$500-42 Month Relationship CESA
0.75%†$500-36 Month IRA
0.75%†$500-48 Month IRA
0.75%†$500-50 Month IRA
0.75%†$500-36 Month Roth IRA
0.75%†$500-48 Month Roth IRA
0.75%†$500-50 Month Roth IRA
0.75%†$500-36 Month CESA
0.75%†$500-48 Month CESA
0.75%†$500-50 Month CESA
0.70%†$500-36 Month Bump up Relationship IRA
0.70%†$500-36 Month Bump up Relationship Roth IRA
0.70%†$500-36 Month Bump up Relationship CESA
0.65%†$500-25 Month Relationship IRA
0.65%†$500-29 Month Relationship IRA
0.65%†$500-30 Month Relationship IRA
0.65%†$500-35 Month Relationship IRA
0.65%†$500-25 Month Relationship Roth IRA
0.65%†$500-29 Month Relationship Roth IRA
0.65%†$500-30 Month Relationship Roth IRA
0.65%†$500-35 Month Relationship Roth IRA
0.65%†$500-25 Month Relationship CESA
0.65%†$500-29 Month Relationship CESA
0.65%†$500-30 Month Relationship CESA
0.65%†$500-35 Month Relationship CESA
0.60%†$500-24 Month Relationship IRA
0.60%†$500-24 Month Bump UP Relationship IRA
0.60%†$500-24 Month Relationship Roth IRA
0.60%†$500-24 Month Bump UP Relationship Roth IRA
0.60%†$500-24 Month Relationship CESA
0.60%†$500-24 Month Bump UP Relationship CESA
0.55%†$500-40 Month IRA
0.55%†$500-42 Month IRA
0.55%†$500-40 Month Roth IRA
0.55%†$500-42 Month Roth IRA
0.55%†$500-40 Month CESA
0.55%†$500-42 Month CESA
0.50%†$500-18 Month Relationship IRA
0.50%†$500-21 Month Relationship IRA
0.50%†$500-22 Month Relationship IRA
0.50%†$500-18 Month Relationship Roth IRA
0.50%†$500-21 Month Relationship Roth IRA
0.50%†$500-22 Month Relationship Roth IRA
0.50%†$500-18 Month Relationship CESA
0.50%†$500-21 Month Relationship CESA
0.50%†$500-22 Month Relationship CESA
0.45%†$500-15 Month Bump-up Relationship IRA
0.45%†$500-15 Month Relationship IRA
0.45%†$500-36 Month Bump up IRA
0.45%†$500-15 Month Bump-up Relationship Roth IRA
0.45%†$500-15 Month Relationship Roth IRA
0.45%†$500-36 Month Bump up Roth IRA
0.45%†$500-15 Month Bump-up Relationship CESA
0.45%†$500-15 Month Relationship CESA
0.45%†$500-36 Month Bump up CESA
0.40%†$500-13 Month Relationship IRA
0.40%†$500-14 Month Relationship IRA
0.40%†$500-25 Month IRA
0.40%†$500-29 Month IRA
0.40%†$500-30 Month IRA
0.40%†$500-35 Month IRA
0.40%†$500-13 Month Relationship Roth IRA
0.40%†$500-14 Month Relationship Roth IRA
0.40%†$500-25 Month Roth IRA
0.40%†$500-29 Month Roth IRA
0.40%†$500-30 Month Roth IRA
0.40%†$500-35 Month Roth IRA
0.40%†$500-13 Month Relationship CESA
0.40%†$500-14 Month Relationship CESA
0.40%†$500-25 Month CESA
0.40%†$500-29 Month CESA
0.40%†$500-30 Month CESA
0.40%†$500-35 Month CESA
0.35%†$500-24 Month IRA
0.35%†$500-24 Month Bump UP IRA
0.35%†$500-24 Month Roth IRA
0.35%†$500-24 Month Bump UP Roth IRA
0.35%†$500-24 Month CESA
0.35%†$500-24 Month Bump UP CESA
0.30%†$500-3 Month Relationship IRA
0.30%†$500-4 Month Relationship IRA
0.30%†$500-5 Month Relationship IRA
0.30%†$500-6 Month Relationship IRA
0.30%†$500-7 Month Relationship IRA
0.30%†$500-8 Month Relationship IRA
0.30%†$2,500-9 Month No Penalty Relationship IRA
0.30%†$500-9 Month Relationship IRA
0.30%†$500-10 Month Relationship IRA
0.30%†$500-11 Month Relationship IRA
0.30%†$500-12 Month Relationship IRA
0.30%†$500-12 Month Variable Rate Relationship IRA
0.30%†$500-3 Month Relationship Roth IRA
0.30%†$500-4 Month Relationship Roth IRA
0.30%†$500-5 Month Relationship Roth IRA
0.30%†$500-6 Month Relationship Roth IRA
0.30%†$500-7 Month Relationship Roth IRA
0.30%†$500-8 Month Relationship Roth IRA
0.30%†$2,500-9 Month No Penalty Relationship Roth IRA
0.30%†$500-9 Month Relationship Roth IRA
0.30%†$500-10 Month Relationship Roth IRA
0.30%†$500-11 Month Relationship Roth IRA
0.30%†$500-12 Month Relationship Roth IRA
0.30%†$500-12 Month Variable Rate Relationship Roth IRA
0.30%†$500-3 Month Relationship CESA
0.30%†$500-4 Month Relationship CESA
0.30%†$500-5 Month Relationship CESA
0.30%†$500-6 Month Relationship CESA
0.30%†$500-7 Month Relationship CESA
0.30%†$500-8 Month Relationship CESA
0.30%†$2,500-9 Month No Penalty Relationship CESA
0.30%†$500-9 Month Relationship CESA
0.30%†$500-10 Month Relationship CESA
0.30%†$500-11 Month Relationship CESA
0.30%†$500-12 Month Relationship CESA
0.30%†$500-12 Month Variable Rate Relationship CESA
0.25%†$500-18 Month IRA
0.25%†$500-21 Month IRA
0.25%†$500-22 Month IRA
0.25%†$500-18 Month Roth IRA
0.25%†$500-21 Month Roth IRA
0.25%†$500-22 Month Roth IRA
0.25%†$500-18 Month CESA
0.25%†$500-21 Month CESA
0.25%†$500-22 Month CESA
0.20%†$500-15 Month Bump-up IRA
0.20%†$500-15 Month IRA
0.20%†$500-15 Month Bump-up Roth IRA
0.20%†$500-15 Month Roth IRA
0.20%†$500-15 Month Bump-up CESA
0.20%†$500-15 Month CESA
0.15%†$500-13 Month IRA
0.15%†$500-14 Month IRA
0.15%†$500-13 Month Roth IRA
0.15%†$500-14 Month Roth IRA
0.15%†$500-13 Month CESA
0.15%†$500-14 Month CESA
0.05%†$500-3 Month IRA
0.05%†$500-4 Month IRA
0.05%†$500-5 Month IRA
0.05%†$500-6 Month IRA
0.05%†$500-7 Month IRA
0.05%†$500-8 Month IRA
0.05%†$500-9 Month IRA
0.05%†$2,500-9 Month No Penalty IRA
0.05%†$500-10 Month IRA
0.05%†$500-11 Month IRA
0.05%†$500-12 Month IRA
0.05%†$500-12 Month Variable Rate IRA
0.05%†$500-3 Month Roth IRA
0.05%†$500-4 Month Roth IRA
0.05%†$500-5 Month Roth IRA
0.05%†$500-6 Month Roth IRA
0.05%†$500-7 Month Roth IRA
0.05%†$500-8 Month Roth IRA
0.05%†$500-9 Month Roth IRA
0.05%†$2,500-9 Month No Penalty Roth IRA
0.05%†$500-10 Month Roth IRA
0.05%†$500-11 Month Roth IRA
0.05%†$500-12 Month Roth IRA
0.05%†$500-12 Month Variable Rate Roth IRA
0.05%†$500-3 Month CESA
0.05%†$500-4 Month CESA
0.05%†$500-5 Month CESA
0.05%†$500-6 Month CESA
0.05%†$500-7 Month CESA
0.05%†$500-8 Month CESA
0.05%†$500-9 Month CESA
0.05%†$2,500-9 Month No Penalty CESA
0.05%†$500-9 Month Roth CESA
0.05%†$500-10 Month CESA
0.05%†$500-11 Month CESA
0.05%†$500-12 Month CESA
0.05%†$500-12 Month Variable Rate CESA

Rates updated: 5/25/2013

Data for Q4 2012


Institution Statistics


Fulton Bank, National Association
OTS #9396
FDIC Certificate #7551
BankRate ReportView
Year Established1882
Employees1395
Primary RegulatorOCC

Assets and Liabilities

Assets$9.23 billion
Loans$7.14 billion
Deposits$6.72 billion
Equity Capital$1.08 billion
Loan Loss Allowance$99.23 million
Unbacked Noncurrent Loans$103.18 million
Real Estate Owned$11.97 million

Historic Data - December 2011

Assets$9.04 billion
Equity Capital$1.05 billion
Loan Loss Allowance$116.85 million
Unbacked Noncurrent Loans$128.83 million
Real Estate Owned$18.49 million

Profit Margin - Quarterly

Net Interest Margin3.67%
Return on Assets1.25%
Return on Equity10.59%
Interest Income$358.46 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Fulton Bank, National Association had $115.14 million in non-current loans and owned real-estate with $1.18 billion in equity and loan loss allowances on hand to cover it. This gives Fulton Bank, National Association a Texas Ratio of 9.72% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Fulton Bank, National Association decreased slightly from 12.58% as of December 31, 2011 to 9.72% as of December 31, 2012, resulting in a positive change of 22.69%.This indicates that the balance sheet and financial strength for Fulton Bank, National Association has improved slightly in recent periods.
Deposit Growth3
In the past year, Fulton Bank, National Association has increased its total deposits by $22.47 million, resulting in 0.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fulton Bank, National Association has shown is average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fulton Bank, National Association has $9.23 billion in assets with $1.18 billion in equity, resulting in a capitalization level of 12.83%, which is excellent.
Write Review

HORRIBLE BANK
1 stars - crokerpal - Friday, July 8, 2011 - 7:59 PM

It took me over four months to close my money market account at Fulton Bank.  They attempted to charge me 100’s of dollars before I finally got it close.  They owed me interest that I never did receive.  They kept writing me letters saying I owed them money.  I called/wrote letters/emails before I could get them to close my account.  They are a HORRIBLE BANK and I would advise everyone not to bank with them.

Mary

4

Horrible Bank - Their Errors Have Affected My Credit
1 stars - chasbo - Wednesday, July 18, 2012 - 10:35 AM

The only reason that I gave them a one star rating is that I couldn't give them a 0 rating.  They incorrectly changed my address, so I missed getting a statement.  When I called them about the missing statement they apologized for the error and when I asked if they were going to report the late payment they assured me they wouldn't.  When I received their statement I made the payment and it was appliied to the most recent installment, not the one past due.  Through a whole series of mistakes, I am now 2 months ahead on my mortgage, with 2 late payments.  I will never deal with them again.  I'm convinced that they specifically made the "error" on purpose, hurting my credit rating so that it would be difficult to refinance my 6 1/2% motgage.

I'm though with them, where they are not incompetent, they are just inconsiderate.

chasbo

3

Like Watching Grass Grow And Paint Dry
2 stars - CMyGripe - Saturday, December 10, 2011 - 8:04 PM

Agree 100% with Pintman's review: Fulton's loan process is "Glacial".  Spot On!  We'd established a great, long-term working relationship with some wonderfully responsive Fulton Bank personel for our commercial investments (the only reason Fulton got 2 stars instead of 1).  The loan process was always seemless, and quick. 

Recently, our contacts have been shifted around here and there, and the once respectful, timely business process went static.  Now, it seems that the "powers that be" at Fulton's decision table work an awkward 1-day "production"  week:

Thursday:    Reserved for setting up foursomes and tee times.  No decisions made
Friday:        The weekly "hit the Links!" outing with the pals.  No decisions made
Monday:      Breakfast-brunch-lunch with the golf buddies to review Friday's game.  No decisions made.
Tuesday      Review loan requests not completed on Thursday and Friday. Paper shuffle. Procrastinate 1 more day.
Wednesday: Actually make a decision on a loan request, or two.  Leave all other requests sit until next week.

Recommendation:  If you're a serious commercial investor looking for a business-like, congenial, and respectful relationship based on a win-win situation, look elsewhere.  Fulton Bank seems more interested in nickel and diming granny out of her checking account than acting like a grown up business lending institution.  Sorry Fulton, I'm leaving, and taking my investor network with me.

PS Fulton on-line banking mirrors their loan process: novice, cumbersome, and time-consuming to use.

 

3

Management Problems
1 stars - cash3610 - Wednesday, August 29, 2012 - 11:39 AM

We are appauled at the way Fulton Bank Commercial Loan Dept. has handled our business account.  We have numerous business accounts with them, commercial mortgages, and personal accounts and credit lines.  We have always met our obligations and payments with them and have never gone into any kind of a default situation.  "Out of the Blue"  we received a letter from Fulton Bank's Attorney that they were "calling" our Line of Credit Note and demanding immediate payment within 10 days.  When asked "why" ?  I was told that...because property values have gone down...they feel that there is insufficient collaterial now to cover the loan.  Never did we receive a call to "discuss the situation"...or have a "sit down meeting".....just a letter from their attorney stating "pay" the note or face "foreclosure" or "Judgement".   I have been a customer of this bank personally for 40 yrs.  i don't deserve this kind of treatment.  Planning to get note "paid in full" and moving all accounts to a different bank.

Only reason for giving one star is because local branch personnel are very nice and responsive.  The Fulton Commercial Loan people, though, are "Sharks" and should be avoided at all costs!

2

A Great Bank If You're Nostalgic For The 80'S
2 stars - pintman - Monday, June 20, 2011 - 8:30 PM

In my mid-50s, I'm down to just two personal checking accounts and a home equity LOC. I stuck with Fulton for too many years simply because they have a ton of branches in Central Pennsylvania.  But I gradually got fed up with their stodgy service.  Feature-deficient online banking that was hard to set up, hard-to-read line of credit statements, glacial loan application processing, indifferent service, limited branch hours.  I always got the feeling this bank really doesn't want to be part of the 21st century, and doesn't want walk-in customers like me.  I'm reminded of that old TV commercial about the Lethargic National Bank. 

2

Jumbo Nonconventional Mortgage
1 stars - Chuber105 - Sunday, May 13, 2012 - 8:02 PM

Fulton Bank is the worst bank for Jumbo Loans and is untrustworthy.  They have avoided our repeated request for help to lower our rate because since we built our house the value has decreased by more than 50%.  We are currently paying them more for our house than it is worth. They should be invested by the FDIC because of these unscrupulous methods of banking.  

1

Big City Stuff
2 stars - mannequin - Saturday, June 19, 2010 - 8:53 PM

Never one to be friendly, I assumed when my husband died and I needed a notary, my bank would be there for me. Wrong. In the state of PA., a bank mgr. doesn't notarize for anything other than mtg. or loans.  Although I go there weekly, they always act as if they have no idea who I am.

Not a good bank.

1
 
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