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 119th largest bank in the nation. It was established in 1882 and as of December of 2018, it had grown to 1,366 employees at 127 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.

Horrible Customer Service

Posted by: alena | Apr 2, 2019

We had been customer of Fulton Saving Banks for over 16 years , because of the mortgage. Just had recently a situation, when I asked for some written policy to verify some information, which was given to me verbally. In respond, no written information was provided. Manager at the local branch had NO idea, where to look for, spoken in a rude mode and acted as she was so bothered with my request. I was advise to call to head Customer service at the main office- Deb Braden, who barely would speak with me , because she thought that information, which I requested was just "common sense". I tried to explain a specific situation and why I was asking for written explanation, but no result. This organization should really think of improving their customer service big time. Very unprofessional, do not treat customer with CARE. I could not wait until we will finish to pay our mortgage with this bank to get out of there!!

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.


A Great Bank If You're Nostalgic For The 80'S

Posted by: pintman | Jun 20, 2011

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. 



Health Grade Components

FDIC Certificate #7551
Year Established1882
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD9.05%
Annual Interest Income$468.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$12.56B$11.53B
LoansQ4 2018vs Q4 2017$10.13B$9.39B
DepositsQ4 2018vs Q4 2017$9.65B$8.65B
Equity CapitalQ4 2018vs Q4 2017$1.39B$1.32B
Loan Loss AllowanceQ4 2018vs Q4 2017$85.4MM$87.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$73.5MM$82.5MM
Real Estate OwnedQ4 2018vs Q4 2017$3.2MM$3.7MM
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Always verify rates and promotions with the bank or credit union. We are not Fulton Bank, National Association; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Fulton Bank, National Association Savings Account Rates

0.35%*$5k*-Health Savings Account
OTHER TIERS: 0.15% $100 - $5k
0.02%--Statement Savings
0.02%--Student Statement Savings

Fulton Bank, National Association Money Market Rates

0.16%$1k-Money Market Account
0.08%--IRA Money Market

Fulton Bank, National Association Checking Account Rates

0.03%*$10k*-Relationship Banking Checking
OTHER TIERS: 0.02% $1k - $10k
0.02%$1k-Interest Checking
0.02%$1k-Prime Life Interest Checking

Fulton Bank, National Association CD Rates

3.00%$1k-42 Month Promo CD
2.75%$1k-25 Month Promo CD - New Money
2.35%$1k-13 Month Promo CD
2.00%$1k-36 Month Bump-up Promo CD - New Money
1.70%$1k-72 Month CD
1.55%$1k-60 Month CD
1.45%$1k-48 Month CD
1.35%$1k-36 Month CD
1.20%$1k-18 Month CD
0.76%$1k-30 Month CD
0.45%$1k-24 Month CD
0.20%$1k-15 Month CD
0.05%$1k-3 Month CD
0.05%$1k-6 Month CD
0.05%$1k-9 Month CD
0.05%$1k-9 Month No Penalty CD
0.05%$1k-12 Month CD
0.05%$1k-12 Month Variable Rate CD

Fulton Bank, National Association IRA Rates

3.00%$1k-42 Month Promo IRA
2.75%$1k-25 Month Promo IRA - New Money
2.35%$1k-13 Month Promo IRA
2.00%$1k-36 Month Bump-up Promo IRA - New Money
1.70%$1k-72 Month IRA
1.55%$1k-60 Month IRA
1.45%$1k-48 Month IRA
1.35%$1k-36 Month IRA
1.20%$1k-18 Month IRA
0.76%$1k-30 Month IRA
0.45%$1k-24 Month IRA
0.20%$1k-15 Month IRA
0.05%$1k-3 Month IRA
0.05%$1k-6 Month IRA
0.05%$1k-9 Month IRA
0.05%$1k-12 Month IRA


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