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Fulton Bank, National Association

Popular Accounts at this Bank

1.45%5-year CD5 Year CD
0.05%1-year CD12 Month Variable Rate CD
1.35%4-year CD4 Year CD

Overview / Commentary
One Penn Square, P.O. Box 48
Lancaster, PA 17604

Fulton Bank, National Association is headquartered in Lancaster and is the 4th largest bank in the state of Pennsylvania. It is also the 113th largest bank in the nation. It was established in 1882 and as of December of 2016, it had grown to 1,241 employees at 117 locations. Fulton Bank, National Association has an A health rating.

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Be Careful

Fulton Bank mailed me a promotion to open a checking account and get $150. I followed all the steps exactly. I set up direct deposit within the time required, etc. It has been several months and I still do not have the bonus. I don't understand how they can mail you a promotion and then not give it. I am 100% sure I followed everything that was required. I've never had any accounts with them in the past so I just don't get it.

Done After 10 Years!

Posted by: Fedup22 | Aug 29, 2014

I've been with this bank for over 10 years. So for basic banking (regular deposits, check payments) it was fine.

However, when put to the test, Fulton Bank fails! I'm currently in the beginning process of divorce. I made the move to pull my money out of joint checking and move it into personal accounts that I set up new with them that day. Fine so far.

However, my estranged husband and I needed to sign together to have my name off joint checking (STRIKE 1). They failed to do 2 stop payments from the old checking account over a period of 48 hours claiming "the systems were down" (STRIKE 2) Because of this incurred service fees due to being over drawn on the old checking, when it was in THEIR ERROR! They keep "reversing" the fees, but are messing this up as well placing them the "reversals" in wrong accounts (STRIKE 3). Finally after 2 weeks from opening my new account, I get my estranged husband to meet me and sign off that he's taking control of the joint checking account and it should now be all balanced with no over drafts. But Fulton can't do this right either. They gave him BOTH checking accounts meaning our joint checking and my brand new personal checking to which my direct deposits now go!! So now I have no access to my own checking or current paycheck! (STRIKE 4 - ARE YOU KIDDING ME!!!!).

At this point I'm beyond upset with them! As soon as I can, I will be closing everything with them and taking my business elsewhere! I've also been disappointed with there slow responses. It took them 36 hours to tell me they never process my stop payment, which was too late by then.

Interest Statements

Posted by: mgshaw | Feb 26, 2014

Every year for the past 3 yrs, it takes weeks for us to get our loan statements. We were told we have to open a checking and/or savings account in order to get our interested statements processed quickly. We have a loan account!!! Why can't Fulton Bank process these statements either online or within the guidelines of 1099s, W2, etc. We have to go into bank to get the interest statements. It's ridiculous!! I will never open an account with you and if I could move my loan account, I would!! Get with the times!

Like Watching Grass Grow And Paint Dry

Posted by: CMyGripe | Dec 10, 2011

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.




Health Grade Components

FDIC Certificate #7551
Year Established1882
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD9.11%
Annual Interest Income$336.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$10.74B$9.85B
LoansQ4 2016vs Q4 2015$8.62B$8.00B
DepositsQ4 2016vs Q4 2015$8.31B$7.70B
Equity CapitalQ4 2016vs Q4 2015$1.21B$1.18B
Loan Loss AllowanceQ4 2016vs Q4 2015$90.6MM$86.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$73.9MM$75.0MM
Real Estate OwnedQ4 2016vs Q4 2015$6.1MM$5.5MM
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Fulton Bank, National Association Money Market Rates

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

Fulton Bank, National Association CD Rates

1.86%$1k-6 Year w/ Relationship Banking CD
1.60%$1k-6 Year CD
1.45%$500-5 Year CD
1.35%$500-4 Year CD
1.21%$500-30 Month Relationship CD
1.15%$1k-3 Year Bump-Up CD
0.95%$500-30 Month CD
0.80%$1k-3 Year w/ Relationship Banking CD
0.75%$500-18 Month Relationship CD
0.70%$500-2 Year Relationship CD
0.55%$500-3 Year CD
0.50%$500-18 Month CD
0.45%$500-2 Year CD
0.45%$500-15 Month Relationship CD
0.30%$500-3 Month Relationship CD
0.30%$500-6 Month Relationship CD
0.30%$500-9 Month Relationship CD
0.30%$2,500-9 Month No Penalty Relationship CD
0.30%$500-12 Month Relationship CD
0.30%$500-12 Month Variable Rate Relationship 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

1.60%$500-6 Year IRA
1.45%$500-60 Month IRA
1.35%$500-48 Month IRA
0.95%$500-30 Month IRA
0.55%$500-3 Year IRA
0.50%$500-18 Month IRA
0.45%$500-2 Year IRA
0.20%$500-15 Month IRA
0.05%$500-3 Month IRA
0.05%$500-6 Month IRA
0.05%$500-9 Month IRA
0.05%$500-12 Month IRA

Fulton Bank, National Association has 109 locations. Click to view all Fulton Bank, National Association locations.