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One Penn Square, P.O. Box 4887
Lancaster, PA 17604

Fulton Bank, National Association is headquartered in Lancaster and is the 5th largest bank in the state of Pennsylvania. It is also the 112st largest bank in the nation. It was established in 1882 and as of December of 2013, it had grown to 1,418 employees at 124 locations. Fulton Bank, National Association has a A health rating.


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.


Horrible Bank - Their Errors Have Affected My Credit

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.


Like Watching Grass Grow And Paint Dry

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.


Management Problems

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!



Data for Q4 2013

Institution Health


Texas Ratio


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, 2013 Fulton Bank, National Association had $79.34 million in non-current loans and owned real-estate with $1.21 billion in equity and loan loss allowances on hand to cover it. This gives Fulton Bank, National Association a Texas Ratio of 6.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fulton Bank, National Association decreased dramatically from 9.72% as of December 31, 2012 to 6.55% as of December 31, 2013, resulting in a positive change of 32.62%.This indicates that the balance sheet and financial strength for Fulton Bank, National Association has improved dramatically in recent periods.

Deposit Growth


In the past year, Fulton Bank, National Association has increased its total deposits by $954,000, resulting in 0.01% 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 above average.



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 $9.57 billion in assets with $1.21 billion in equity, resulting in a capitalization level of 12.66%, which is excellent.

Institution Statistics

FDIC Certificate #7551
Year Established1882
Primary RegulatorOCC
Assets and Liabilities
Assets$9.57 billion
Loans$7.48 billion
Deposits$6.72 billion
Equity Capital$1.12 billion
Loan Loss Allowance$95.75 million
Unbacked Noncurrent Loans$72.46 million
Real Estate Owned$6.89 million
Historic Data - December 2012
Assets$9.23 billion
Equity Capital$1.08 billion
Loan Loss Allowance$99.23 million
Unbacked Noncurrent Loans$72.46 million
Real Estate Owned$11.97 million
Profit Margin - Quarterly
Net Interest Margin3.49%
Return on Assets1.11%
Return on Equity9.55%
Interest Income$343.10 million
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Fulton Bank, National Association Money Market Rates

0.15%$10k-Platinum Money Market Account
0.08%--IRA Money Market
0.08%--Roth IRA Money Market
0.08%--CESA Money Market

Fulton Bank, National Association CD Rates

2.25%$1k-60 Month Promo Relationship Banking CD
2.00%$500-60 Month CD
1.30%$500-48 Month CD
1.05%$500-36 Month Bump up
0.75%$500-36 Month CD
0.45%$500-24 Month CD
0.35%$500-24 Month Bump UP CD
0.30%$500-18 Month CD
0.25%$500-21 Month CD
0.20%$500-15 Month CD
0.05%$500-3 Month CD
0.05%$500-6 Month CD
0.05%$500-9 Month CD
0.05%$2,500-9 Month No Penalty CD
0.05%$500-12 Month CD
0.05%$2,500-12 Month Variable Rate CD

Fulton Bank, National Association IRA Rates

2.25%$1k-60 Month Promo Relationship Banking IRA CD (Traditional,Roth,CESA)
2.00%$500-60 Month IRA (Traditional,Roth,CESA)
1.30%$500-48 Month IRA (Traditional,Roth,CESA)
1.05%$500-36 Month Bump up IRA (Traditional,Roth,CESA)
0.75%$500-36 Month IRA (Traditional,Roth,CESA)
0.45%$500-24 Month IRA (Traditional,Roth,CESA)
0.35%$500-24 Month Bump UP IRA (Traditional,Roth,CESA)
0.30%$500-18 Month IRA (Traditional,Roth,CESA)
0.25%$500-21 Month IRA (Traditional,Roth,CESA)
0.20%$500-15 Month IRA (Traditional,Roth,CESA)
0.10%--18 Month Variable Rate IRA CD (Traditional,Roth,CESA)
0.05%$500-3 Month IRA (Traditional,Roth,CESA)
0.05%$500-6 Month IRA (Traditional,Roth,CESA)
0.05%$500-9 Month IRA (Traditional,Roth,CESA)
0.05%$2,500-9 Month No Penalty IRA (Traditional,Roth,CESA)
0.05%$500-12 Month IRA (Traditional,Roth,CESA)
0.05%$2,500-12 Month Variable Rate IRA (Traditional,Roth,CESA)

Fulton Bank, National Association has 121 locations. Click to view all Fulton Bank, National Association locations.