Fulton Bank is a major regional banking institution headquartered in Lancaster, Pennsylvania, with over 200 branch locations and substantial presence across Pennsylvania, New Jersey, Maryland, Delaware, and Virginia, serving millions of customers with comprehensive personal and business banking, mortgages, investment services, and wealth management through Fulton Financial Corporation’s $30+ billion asset platform. Founded in 1882 as The Fulton National Bank of Lancaster, Fulton Bank has evolved through strategic mergers and acquisitions (including the significant 2024 acquisition of Republic Bank assets) into a modern community-oriented financial institution combining traditional branch banking relationships with sophisticated digital banking technology, online account management, and 24/7 customer access. Whether you’re searching for Fulton Bank login instructions for online access, trying to locate a Fulton Bank branch near you, understanding hours of operation, comparing CD rates, exploring online banking features, seeking customer service assistance, or evaluating whether Fulton Bank is the right banking choice for 2026, this comprehensive guide covers everything you need to know about banking with Fulton Bank—from digital access and account management to branch locations, product offerings, customer satisfaction, and honest assessment of the bank’s competitive position in 2026’s financial landscape.
What You’ll Discover: This authoritative guide explains Fulton Bank from every angle — what Fulton Bank is (regional bank founded 1882, $30+ billion assets through Fulton Financial Corporation, 200+ branches across 5 states), complete step-by-step Fulton Bank login guide for online and mobile banking (secure online access at fultonbank.com/login, mobile app 4.5 stars Google Play 4.8 stars Apple), Fulton Bank online banking features (bill pay, check deposit, account transfers, alerts, account management), how to find Fulton Bank near you with branch locator and ATM network (24/7 ATM access), typical branch hours (9 AM – 4 PM Mon-Wed, 9 AM – 6 PM Thu-Fri, closed weekends), customer service contact (1-800-385-8664 available 7 AM – 8 PM Mon-Fri, 8 AM – 3 PM Sat), Fulton Bank CD rates (promotional rates 3.64%-3.90% APY on select terms, standard rates 0.70%-1.01% APY), clarification on Fulton Savings Bank (separate institution), FDIC insurance protection, 2024 Republic Bank acquisition impact, honest assessment of mixed customer ratings (2.5/5 Trustpilot vs. 3.8/5 Yelp, Business Insider 3.75/5 overall), detailed pros and cons analysis (strengths: established regional bank, mortgage expertise, community focus, Saturday hours; weaknesses: low savings APY vs. online banks, $6-15 monthly account fees, 2.5/5 Trustpilot rating indicating service concerns), comparison with online banks and competitors, detailed FAQs addressing all required questions, expert banking tips for 2026, and honest recommendation about whether Fulton Bank is a good banking choice in 2026. Whether managing existing Fulton accounts, considering switching to Fulton, or evaluating regional banking options, this guide provides authoritative, current information about banking with Fulton Bank.
Table of Contents
- What Is Fulton Bank?
- Fulton Bank Login — Online & Mobile Banking
- Fulton Bank Near Me — Branches & Locations
- Fulton Bank CD Rates — 2026 APY Guide
- Fulton Bank Online Banking Features
- Fulton Bank Hours
- Fulton Bank Customer Service
- Fulton Savings Bank vs Fulton Bank
- Is Fulton Bank a Good Bank?
- FAQs
- Expert Tips
- Conclusion
What Is Fulton Bank?
Fulton Bank is a major regional banking institution headquartered in Lancaster, Pennsylvania, with over 200 branch locations and $30+ billion in total assets, serving millions of personal and business customers across Pennsylvania, New Jersey, Maryland, Delaware, and Virginia through comprehensive banking, mortgage, investment, and wealth management services.
Banking Heritage & Regional Dominance
Fulton Bank’s history reflects over 140 years of banking excellence and strategic growth:
| Aspect | Details |
|---|---|
| Founded | 1882 (143 years; originally The Fulton National Bank of Lancaster) |
| Current Headquarters | Lancaster, Pennsylvania |
| Parent Company | Fulton Financial Corporation ($30+ billion financial services holding company) |
| Branch Network | 200+ financial centers across 5 states |
| Total Assets | $30+ billion (as of 2024) |
| Employees | 1,001-5,000+ employees |
| FDIC Status | Member FDIC (federal deposit insurance) |
| Market Position | Top regional bank in Mid-Atlantic; growing national presence |
Geographic Coverage (2026)
Fulton Bank operates primarily in the Mid-Atlantic region with strong presence in key markets:
States with Significant Fulton Presence:
- Pennsylvania (headquarters; strongest presence; Lancaster County hub)
- New Jersey (growing; recent Republic Bank acquisition doubled presence)
- Maryland (established presence)
- Delaware (regional presence
- Virginia (moderate presence)
Branch Distribution: Over 200 financial centers with extended ATM network providing 24/7 access across service areas.
2026 Strategic Developments
Recent Acquisition (April 2024): FDIC transferred nearly $6 billion in Republic Bank assets to Fulton, doubling Fulton’s Philadelphia metropolitan area presence and significantly expanding New Jersey operations.
Planned Acquisition (November 2025 announcement): Fulton Bank announced intention to acquire Blue Foundry Bancorp ($2.5 billion assets based in Rutherford, New Jersey), expected to close Q2 2026, further strengthening Northern New Jersey presence.
Market Impact: Through recent acquisitions, Fulton positions itself as a stronger regional competitor while managing integration of new customer bases and legacy systems.
Products & Services (2026)
Fulton Bank offers comprehensive banking and financial solutions:
Personal Banking:
- Checking and savings accounts
- Money market accounts
- Certificates of Deposit (CDs)
- Mortgage services (Fulton Mortgage Company)
- Home equity lines and loans
- Personal loans
- Credit cards
- Wealth management services
Business Banking:
- Commercial checking and savings
- Commercial lending
- Treasury management
- Merchant services
- Business credit cards
- Specialized industry lending
Specialized Services:
- Mortgage services (dedicated Fulton Mortgage Company)
- Investment management and advisory services
- Wealth management (trust services)
- Retirement planning
Fulton Bank Login — Online & Mobile Banking Access
Fulton Bank provides convenient 24/7 online access through secure web portal and award-winning mobile app for managing accounts anytime, anywhere.
How to Access Fulton Bank Online Banking
Step-by-Step Instructions:
Step 1: Visit Fulton Bank Login Page
Navigate to fultonbank.com/login or the main site fultonbank.com and click “Login” button at top right.
Step 2: Select Your Service Type
From the dropdown menu, choose:
- Personal Online Banking (for consumer accounts)
- Business Online Banking (for commercial accounts)
- Mortgage Access (for mortgage/loan management)
- Credit Card Login (for credit card management)
Step 3: Enter Your Login Credentials
- Username/User ID: Your unique identifier (different from account number)
- Password: Your secure password (minimum 8 characters; mix of uppercase, lowercase, numbers recommended)
Step 4: Complete Security Verification (if required)
Verify through:
- Security code via SMS text message
- Security questions about your account
- Multi-factor authentication (if enabled)
Step 5: Access Your Dashboard
Once authenticated, you can:
- View account balances in real-time
- Review transaction history
- Manage multiple accounts simultaneously
- Set up and monitor bills
- Transfer money between accounts
- Access statements and documents
First-Time Fulton Online Banking Enrollment
For New Users:
- Visit fultonbank.com
- Click “Enroll in Online Banking” or “New Users”
- Provide account number or Social Security number
- Enter verification information
- Create username (choose memorable, easy-to-remember identifier)
- Create secure password (8+ characters, mixed types)
- Verify email address
- Set up security questions
- Link phone number (optional but recommended for SMS alerts)
- Complete enrollment verification
- Log in with new credentials
Fulton Bank Mobile App Features (2026)
Availability & Ratings:
- iOS App: 4.8 out of 5 stars (Apple App Store)
- Android App: 4.5 out of 5 stars (Google Play Store)
- Download: Search “Fulton Bank” in respective app stores
Key Mobile Features:
Account Management:
- View balances and recent transactions
- Check available credit on credit cards
- Monitor multiple accounts
- View account statements (PDF download)
- Access account details and settings
Mobile Banking Transactions:
- Mobile Check Deposit: Photograph check with app; funds typically available next business day
- Bill Payment: Pay any bill to any payee; set up recurring payments
- Money Transfer: Transfer between own accounts; external transfers (if enabled)
- Account Alerts: Set custom notifications for balance, transactions, bills
Security & Convenience:
- Biometric login (fingerprint, Face ID on supported devices)
- Fast, intuitive interface
- Push notifications for transactions
- Transaction search and filtering
- User-friendly navigation
Customer Support: In-app messaging available (limited availability); FAQ resources; help documentation.
Troubleshooting Fulton Bank Login Issues
| Problem | Solution |
|---|---|
| Forgot Username | Click “Forgot username?” on login page; verify identity (account info, SSN); receive username via email |
| Forgot Password | Click “Forgot password?”; answer security questions; create new password via email link |
| Account Locked | Multiple failed attempts trigger lock; wait 24 hours or call 1-800-385-8664 to unlock immediately |
| Can’t Enroll | Verify you have active Fulton account; ensure information on file is current; call customer service for assistance |
| Website Won’t Load | Clear browser cache/cookies; try different browser; disable extensions; check internet connection |
| Verification Code Not Received | Check spam/junk folder; wait 60 seconds for SMS delivery; request new code; verify phone on file |
| Mobile App Crashes | Update app to latest version; restart phone; clear app cache; reinstall if needed |
| Can’t Link External Accounts | Some external transfers may be restricted; contact customer service for setup assistance |
Customer Support for Login Help:
Call 1-800-385-8664 (Monday-Friday 7 AM – 8 PM EST; Saturday 8 AM – 3 PM EST)
Fulton Bank Near Me — Branches, ATMs & Locations
Fulton Bank operates 200+ branch locations and extensive ATM network across Pennsylvania, New Jersey, Maryland, Delaware, and Virginia.
How to Find Fulton Bank Near You
Official Branch & ATM Locator:
Visit fultonbank.com/locations or use mobile app:
- Enter your ZIP code or city name
- Select search radius (1, 5, 10, 25 miles)
- View nearby branches on interactive map
- See branch address, phone, hours
- Check services available at each location
- Get driving directions via GPS
- View real-time branch hours
Search Features:
✅ Filter by services (commercial banking, mortgages, etc.)
✅ View real-time branch status
✅ Accessibility information (ATM, wheelchair access, parking)
✅ Phone numbers for specific branches
✅ GPS integration for directions
Fulton Bank Branch Locations (2026)
Geographic Distribution:
- Pennsylvania: 100+ branches (largest presence; Lancaster area headquarters hub)
- New Jersey: 50+ branches (significantly expanded through Republic Bank acquisition April 2024)
- Maryland: 30+ branches (established presence in Baltimore metro)
- Delaware: 15+ branches (regional coverage)
- Virginia: 10+ branches (growing presence)
Total Reach: 200+ branches across 5 states (vs. mega-banks Chase 4,700, Bank of America 4,700, Wells Fargo 4,200).
Branch Services
Full-Service Branches Offer:
- New account opening and management
- Deposit and withdrawal services
- Loan applications and processing
- Mortgage consultations and processing
- Commercial banking services
- Safe deposit boxes
- Wire transfers
- Notary services
Limited-Service Branches Offer:
- Deposits and withdrawals
- Basic account services
- Reduced hours compared to full-service
- Not all services available
Specialty Centers:
- Mortgage processing centers (Fulton Mortgage Company)
- Commercial banking centers (business lending)
- Investment and wealth management offices
- Treasury management centers (business cash management)
ATM Network Access (2026)
ATM Availability:
- Fulton Bank-owned ATMs available at branch locations
- Surcharge-free for Fulton account holders
- Network partnerships for additional ATM access
- 24/7 cash withdrawal availability
ATM Details:
- Fulton ATM: Free for account holders
- Non-Fulton ATM: $2.50 surcharge per transaction
- Withdrawal Limits: Typically $600 per day
- Deposit Capability: Most Fulton ATMs accept deposits
Drive-Thru Banking
Drive-Thru Availability:
- Most full-service Fulton locations have drive-thru windows
- Extended hours often beyond lobby closing
- Monday-Friday: 9 AM – 5 PM typical (often 6 PM or later)
- Services: Deposits, withdrawals, quick transactions
Limitations:
- Cannot open new accounts via drive-thru
- Complex issues require teller assistance
- Not available at all limited-service locations
Fulton Bank CD Rates — 2026 APY Guide
Fulton Bank offers tiered CD rates with both standard offerings and promotional rates for qualifying customers.
Current Fulton Bank CD Rates (2026)
Standard CD Rates:
| CD Term | Standard APY | Minimum Deposit |
|---|---|---|
| 3-Month | 0.70% | $500 |
| 6-Month | 0.70% | $500 |
| 9-Month | 0.70% | $500 |
| 12-Month | 0.70% | $500 |
| 15-Month | 0.95% | $500 |
| 18-Month | 0.95% | $500 |
| 24-Month | 0.95% | $500 |
| 30-Month | 1.01% | $500 |
| 36-Month | 1.01% | $500 |
| 48-Month | 1.01% | $500 |
| 60-Month | 1.01% | $500 |
| 72-Month | 1.01% | $500 |
Promotional CD Rates (Current Offers):
| Product | APY | Term | Minimum |
|---|---|---|---|
| 4-Month New Money Promo | 3.90% | 4 months | $500 |
| 7-Month New Money Promo | 3.80% | 7 months | $500 |
| 13-Month Promo | 3.64% | 13 months | $500 |
| 25-Month New Money Promo | 3.70% | 25 months | $500 |
| 36-Month Bump-Up CD | 3.20% | 36 months | $500 |
| 9-Month No-Penalty CD | 3.35% | 9 months | $500 |
What Are Fulton Bank CD Rates in 2026?
Best Fulton CD Rates: 3.90% APY on 4-month new money promotional CD or 3.80% APY on 7-month promotional CD (rates vary by promotional period; check fultonbank.com/rates for current offers).
Key Insights:
- Standard rates (0.70%-1.01%): Among the lowest in banking industry
- Promotional rates (3.20%-3.90%): More competitive; best rates for CD shoppers
- Promotional periods: Limited duration; rates subject to change
- Minimum deposit: Generally $500-$2,500 across all terms
CD Rate Comparison: Fulton Bank vs Competitors (2026)
| Term | Fulton (Standard) | Fulton (Promo) | Ally Bank | Marcus | Online Average |
|---|---|---|---|---|---|
| 4-Month | 0.70% | 3.90% | 4.15% | 4.05% | 4.10% |
| 6-Month | 0.70% | N/A | 4.00% | 3.95% | 3.98% |
| 12-Month | 0.70% | 3.64% | 4.10% | 4.00% | 4.05% |
| 24-Month | 0.95% | N/A | 3.95% | 3.85% | 3.90% |
| 36-Month | 1.01% | 3.20% | 3.85% | 3.75% | 3.80% |
| 60-Month | 1.01% | N/A | 3.70% | 3.65% | 3.68% |
Clear Findings:
- Standard rates: Fulton significantly trails online banks (0.70% vs. 4.00%+)
- Promotional rates: Competitive with online banks on select terms
- Best strategy: Use Fulton promotional CDs when available; otherwise choose online banks
Early Withdrawal Penalties
| CD Term | Early Withdrawal Penalty |
|---|---|
| 3-6 Months | 3 months interest |
| 9-12 Months | 6 months interest |
| 13-24 Months | 6-9 months interest |
| 25-36 Months | 9-12 months interest |
| 48+ Months | 12+ months interest |
| 9-Month No-Penalty | $0 (no penalty) |
No-Penalty CD Option: Fulton’s 9-month no-penalty CD (3.35% APY) allows withdrawal without penalty—valuable if you might need funds before maturity.
Fulton Bank Online Banking Features
Fulton’s online banking platform provides comprehensive account management tools for personal and business customers.
Bill Payment
- Pay any bill to any U.S. payee
- Set up recurring payments for regular bills
- Schedule payments in advance (ideal for bill management)
- View payment history (past 7 years available)
- Paperless statements option
- Free service for most accounts
Mobile Check Deposit
- Photograph front and back of check using mobile app
- Funds typically available next business day
- No bank visit needed; deposit anytime, anywhere
- 24/7 availability (except during system maintenance)
- Amount limits may apply ($5,000-$10,000 per check typical)
- Save time vs. branch visits
Account Transfers
- Transfer between own Fulton accounts instantly
- External transfers to other banks (1-3 business days via ACH)
- Schedule transfers in advance
- Recurring transfer setup for automated transfers
- Free for most account types
Account Alerts & Notifications
- Balance notifications (when balance falls below threshold)
- Large transaction alerts (when specific amounts posted)
- Bill due reminders (before payment deadlines)
- Suspicious activity warnings (fraud detection)
- Customizable by account type
- SMS text or email delivery options
Additional Online Features
- Account Management: View real-time balances, transactions, statements
- Document Access: Download statements, tax forms, account documentation
- Secure Messaging: Contact customer service through secure portal
- Stop Payment Requests: Cancel outstanding checks
- Wire Transfer Initiation: Request domestic wire transfers (fees apply)
- Password Management: Change password securely
- Account Settings: Update contact information, preferences
Fulton Bank Hours — Opening, Closing & Holidays
What Time Does Fulton Bank Open?
Standard Opening Times:
| Day | Opening Time |
|---|---|
| Monday-Friday | 9:00 AM local time |
| Saturday | Closed (most locations) |
| Sunday | Closed |
ATMs & Online Access: Available 24/7 regardless of branch hours.
Verification: Use branch locator at fultonbank.com/locations to confirm your specific location’s opening time, as some locations may vary.
What Time Does Fulton Bank Close?
Standard Closing Times:
| Day | Closing Time |
|---|---|
| Monday-Wednesday | 4:00 PM local time |
| Thursday-Friday | 6:00 PM local time |
| Saturday | Closed |
| Sunday | Closed |
Drive-Thru Closing: Often open until 5:30-6 PM on weekdays (30 minutes-1 hour later than lobby).
Important: Hours vary significantly by location. Use fultonbank.com/locations to confirm your specific branch’s hours before visiting.
Is Fulton Bank Open Today?
Quick Verification Methods:
- Google Search: Search “Fulton Bank near me” → Google shows real-time hours
- Branch Locator: Visit fultonbank.com/locations → search location → view current status
- Mobile App: Open app → tap “Locations” → find branch → view hours
- Call Branch: Contact your local Fulton location directly
- 24/7 Services: ATMs and online banking always available (even when branches closed)
Holiday Closures: Branches typically close on all U.S. federal holidays (New Year’s Day, MLK Jr. Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, Christmas).
On Holidays:
✅ ATMs available 24/7
✅ Online banking and mobile app fully functional
✅ Automatic payments and deposits process normally
✅ Customer service lines may be limited
2026 Holiday Schedule
| Holiday | Date | Branch Status |
|---|---|---|
| New Year’s Day | Thursday, Jan 1 | Closed |
| MLK Jr. Day | Monday, Jan 20 | Closed |
| Presidents Day | Monday, Feb 17 | Closed |
| Memorial Day | Monday, May 26 | Closed |
| Juneteenth | Thursday, June 19 | Closed |
| Independence Day | Friday, July 4 | Closed |
| Labor Day | Monday, Sept 1 | Closed |
| Columbus Day | Monday, Oct 13 | Closed |
| Veterans Day | Tuesday, Nov 11 | Closed |
| Thanksgiving | Thursday, Nov 27 | Closed |
| Christmas | Thursday, Dec 25 | Closed |
Fulton Bank Customer Service — How to Reach Support
Fulton Bank provides customer support through multiple channels with extended availability.
Contact Information
Primary Customer Service Line:
1-800-385-8664 (Toll-free)
Availability:
- Monday-Friday: 7:00 AM – 8:00 PM EST
- Saturday: 8:00 AM – 3:00 PM EST
- Sunday: Closed
Languages: English and Spanish support available
Services Available:
- Personal checking and savings account questions
- Card activation and replacement
- Fraud reporting
- Billing disputes
- General account inquiries
- Payment and transfer assistance
Alternative Numbers:
- Direct Banking Center: 1-800-FULTON-4 (1-800-385-8664)—for online banking assistance
- Specific Departments: May be routed after initial contact
Online & Digital Support Options
Online Messaging (Secure Portal):
- Available through fultonbank.com after login
- Access 24/7
- Slower response time (24-48 hours typical)
- Good for non-urgent questions
Mobile App Messaging:
- In-app messaging feature (when available)
- Limited availability during business hours
- Helpful for quick questions
Email Support:
- General inquiries through website contact form
- Response times: 24-48 hours typical
- Not recommended for urgent issues
Social Media:
- Facebook/Twitter limited official support
- Primarily informational channels
- May get responses within 24-48 hours
In-Person Support Options
Branch Visits:
- Visit nearest Fulton location (200+ available)
- Speak with branch staff directly
- Appointment scheduling available for complex matters
- Personal banking relationships available
Phone Banking:
- Automated system for balance/payment queries
- Option to speak with representative
- IVR (interactive voice response) navigation
Best Times to Reach Customer Service
Shorter Wait Times:
- Early morning: Before 9 AM EST (lower call volume)
- Late afternoon: 5-7 PM EST (after business rush)
- Tuesday-Thursday: Shorter waits than Monday/Friday
- Mid-day: 10 AM – 3 PM (moderate volume)
Longer Wait Times:
- Monday morning: Post-weekend call surge
- End of month: Bill payment deadlines drive volume
- Friday afternoon: Highest weekly call volume
- Bank holidays: Limited staff; slower systems
Fulton Savings Bank vs Fulton Bank
Many people search for “Fulton Savings Bank,” wondering if it’s the same as Fulton Bank. Let’s clarify:
Are They the Same Bank?
NO. Fulton Bank and Fulton Savings Bank are completely separate institutions:
Fulton Bank (The Subject of This Article):
- Headquarters: Lancaster, Pennsylvania
- Parent: Fulton Financial Corporation
- Service Areas: PA, NJ, MD, DE, VA
- Branches: 200+
- FDIC Member: Yes
Fulton Savings Bank:
- Headquarters: Chicago, Illinois
- Independent (separate institution)
- Service Areas: Illinois primarily
- Branches: Limited to Chicago area
- FDIC Member: Yes
- Website: fultonsavings.com
Why the Confusion?
Both banks:
- Have “Fulton” in the name
- Are FDIC-insured
- Offer similar banking services
- Serve regional markets
However: They are not affiliated, not merged, and not related companies. They simply share the “Fulton” name—a coincidence common in banking.
If You’re Banking with Fulton Bank
- You’re using the Lancaster, PA-headquartered bank
- Part of Fulton Financial Corporation ($30+ billion)
- Operating 200+ branches in PA, NJ, MD, DE, VA
- NOT the Chicago-based Fulton Savings Bank
If searching online: Include “Pennsylvania” or “Lancaster” in your search to get Fulton Bank (this article’s subject) instead of Fulton Savings Bank (Chicago).
Is Fulton Bank a Good Bank in 2026?
Pros: Why Fulton Bank Works for Some Customers
✅ Established Regional Presence
Over 140 years (founded 1882) and $30+ billion assets provide stability. 200+ branches across Mid-Atlantic region offer convenient in-person banking in core markets.
✅ Strong Mortgage Services
Dedicated Fulton Mortgage Company provides excellent home lending expertise, personalized service, and competitive rates according to positive customer reviews highlighting personal attention.
✅ Business Banking Strength
Strong commercial lending, treasury management, and specialized industry expertise make Fulton attractive for small/mid-size business owners.
✅ Community Focus
Regional bank heritage emphasizes local decision-making, community involvement, and relationship-based banking vs. corporate policies.
✅ Saturday Online Access
While branches closed Saturday, 24/7 online banking and mobile app provide weekend account access.
✅ Competitive Promotional CDs
Periodic promotional CD rates (up to 3.90% APY) compete with online banks on select terms for limited periods.
✅ FDIC Insurance
All customer deposits federally insured up to $250,000 (same safety as mega-banks).
✅ Mobile App Quality
4.5-4.8 star mobile app rating reflects solid digital banking technology.
Cons: Fulton Bank Limitations
❌ Mixed Customer Service Ratings
- Trustpilot: 2.5/5 stars (significant dissatisfaction)
- Yelp: 3.8/5 stars (moderate satisfaction)
- Business Insider: 3.75/5 overall
- Indicates inconsistent service experience across customer base
❌ Low Standard Savings & CD Rates
- Statement savings: ~0.01% APY (loses money to inflation)
- Standard CDs: 0.70%-1.01% APY (among lowest in industry)
- Much lower than online banks (4.00%+ available)
- Promotional rates only on select terms
❌ Monthly Account Fees
- Savings Account: $6/month fee (waived for under 25 or $100+ daily balance)
- Money Market: $15/month fee (waived for $2,500+ daily balance)
- Checking: Varies by type; some $0, others $10-15/month
❌ Minimum Balance Requirements
- $100-$2,500 minimums to waive fees or earn interest
- Ongoing balance requirements (not one-time deposits)
❌ Limited Nationwide Presence
- Only 200 branches vs. Chase 4,700, Bank of America 4,700, Wells Fargo 4,200
- Poor option for customers needing national access
- No branches in West, weak Midwest coverage
❌ 2024 Acquisition Integration Challenges
Recent Republic Bank acquisition integration (April 2024) created:
- System consolidation challenges
- Customer service scaling difficulties
- Account transition issues for some customers
- “Stressed staff not trained on their own banking system” per Yelp reviews
❌ Outdated Technology (Business Banking)
- Business online portal described as outdated
- Difficult user interface for commercial customers
- Limited mobile/remote banking capabilities for businesses
❌ Mortgage Department Communication Issues
- Some customers report conflicting information on mortgage terms
- Closing cost surprises
- Lack of transparency during process
- One Trustpilot reviewer: “$16,000 closing cost surprise”
❌ No Rewards or Cash Back
- Checking/savings accounts offer no bonuses
- Credit cards may offer limited rewards (verify with bank)
- Compete poorly with premium cards offering 3-5% cash back
Frequently Asked Questions — Fulton Bank
Is Fulton Bank Open Today?
To check: Visit fultonbank.com/locations, search your branch, view real-time hours, or call your local branch. Most locations open 9 AM and close 4-6 PM Monday-Friday. Branches closed Saturday-Sunday. ATMs and online banking available 24/7.
What Time Does Fulton Bank Close?
Standard closing times: 4:00 PM Monday-Wednesday, 6:00 PM Thursday-Friday. Drive-thru may stay open until 5:30-6 PM. Use branch locator to confirm your specific location’s closing time.
What Time Does Fulton Bank Open?
Standard opening times: 9:00 AM Monday-Friday (varies by location). Check fultonbank.com/locations for your specific branch’s opening time.
Is Fulton Bank a Good Bank?
Fulton Bank is decent for regional Mid-Atlantic customers prioritizing in-person banking and mortgage services, but mixed customer ratings (2.5/5 Trustpilot), low savings rates, and monthly fees make online banks more attractive for rate-focused savers. Strengths: 200+ branches, strong mortgage services, community focus, FDIC insurance. Weaknesses: 2.5/5 service rating, 0.70%-1.01% standard CD rates, $6-15 monthly fees, limited national presence. Best for: Regional customers, mortgage seekers. Better alternatives: Online banks for savings rates, Chase for nationwide access.
Does Fulton Bank Have a Coin Machine?
Yes, Fulton Bank locations may have coin counting/sorting machines available to customers. Availability varies by branch location. Most locations with substantial customer base have coin machines. Some charge small fees ($0.50-$1.00 per transaction); many waive fees for customers. Call your local branch to confirm availability and any associated fees before visiting.
Does Fulton Bank Offer Zelle?
Yes, Fulton Bank customers can use Zelle for peer-to-peer money transfers. Access through online banking or mobile app. Send/receive money using email or phone number. Transfers typically complete within minutes. Free for personal payments. Available 24/7.
How to Access Fulton Bank Online Banking?
Visit fultonbank.com/login. Select your service type (personal, business, mortgage, or credit card). Enter username and password. Complete multi-factor authentication if prompted. Access your dashboard for accounts, transfers, bill pay, and account management.
What Are Fulton Bank’s 2026 CD Rates?
Promotional rates: 3.90% APY on 4-month new money CD, 3.80% on 7-month, 3.64% on 13-month, 3.70% on 25-month. Standard rates: 0.70%-1.01% depending on term length. $500 minimum deposit required. Rates subject to change; check fultonbank.com/rates for current offers.
Is Fulton Bank FDIC Insured?
Yes, absolutely. Fulton Bank is FDIC member (Certificate #), with all customer deposits insured up to $250,000 per account category by federal government guarantee. Your funds are protected even if bank fails.
Expert Tips for Fulton Bank Customers 2026
1. Use Promotional CDs for Best Rates
Strategy: Lock in promotional rates (up to 3.90% APY) when available; don’t settle for standard 0.70% rates.
Action: Check fultonbank.com/rates monthly for promotional CD offers. When rates available, deposit into promotional CDs immediately—rates can expire.
2. Consider Online Banks for Savings
Strategy: Keep checking/mortgage relationship with Fulton; move savings to online bank for 4%+ APY.
Why: Fulton savings account ~0.01% APY loses purchasing power to inflation. Online banks (Ally, Marcus, Vanguard) offer 4.00%+ APY on savings.
Example: $10,000 savings account
- Fulton at 0.01%: Earns $1/year
- Online bank at 4.00%: Earns $400/year
- Difference: $399/year (1,100% difference!)
3. Avoid Monthly Account Fees
Strategy: Maintain minimum balance or meet age requirement to waive fees.
Fee Breakdown:
- Savings account: $6/month (waived if under 25 or $100+ daily balance)
- Money market: $15/month (waived if $2,500+ daily balance)
Annual Cost Avoidance: $72/year on savings account if fee charged.
4. Optimize Online Banking for Efficiency
Strategy: Use bill pay, mobile check deposit, and online transfers to minimize branch visits.
Benefits:
- Schedule payments in advance (never miss deadline)
- Mobile check deposit (24/7 from home)
- Instant account monitoring
5. Leverage Mortgage Expertise
Strategy: If needing mortgage, use Fulton Mortgage Company for personalized service.
Why: Positive customer reviews highlight excellent mortgage support, personal attention, transparent process, quick approvals.
6. Build Emergency Fund Separately
Strategy: Don’t rely on Fulton savings for emergencies; build separate high-yield account at online bank.
Why: Provides backup access if Fulton experiences technical issues; earns 4%+ vs. Fulton’s 0.01%.
2026 Action: Allocate $50-100/month to online bank emergency fund earning 4%+ APY.
7. Monitor Integration Post-Republic Bank Acquisition
Strategy: Stay aware of ongoing system integration challenges from April 2024 Republic Bank acquisition.
Why: Some customers experienced service delays, account verification issues, conflicting information during integration.
Action: Report any unusual account activity immediately; request senior staff assistance if issues arise.
Conclusion — Should You Choose Fulton Bank in 2026? {#conclusion}
Fulton Bank is a reasonable banking choice in 2026 for regional Mid-Atlantic customers prioritizing in-person banking relationships, mortgage services, and established regional presence—but the bank’s mixed customer service ratings, low savings rates, and high monthly fees make online banks more attractive for rate-focused savers and customers prioritizing digital-first banking.
Summary: Fulton Bank’s 2026 Competitive Position
Strengths:
✅ 200+ branches across PA, NJ, MD, DE, VA (strong regional presence)
✅ 140+ years history; $30+ billion assets (stability)
✅ Excellent mortgage services (Fulton Mortgage Company)
✅ Business banking strength (commercial lending expertise)
✅ FDIC insurance (federal protection)
✅ 4.5-4.8 star mobile app (good digital tools)
✅ Promotional CD rates up to 3.90% APY (competitive when available)
Weaknesses:
❌ 2.5/5 Trustpilot rating (concerning service issues)
❌ 0.70%-1.01% standard CD rates (among lowest in industry)
❌ ~0.01% savings account APY (loses to inflation)
❌ $6-$15 monthly account fees (reduces earnings)
❌ Limited nationwide presence (200 vs. 4,700+ competitors)
❌ 2024 Republic Bank acquisition integration challenges
❌ Outdated business online banking technology
❌ No rewards or cash back on accounts
Who Fulton Bank Is Best For (2026)
Ideal Customers:
- Mid-Atlantic regional customers (PA, NJ, MD, DE, VA)
- Homebuyers seeking personalized mortgage services
- Small/mid-size business owners needing commercial banking
- Customers valuing in-person relationships
- Those willing to pay $6-15/month for branch convenience
Better Alternatives For:
- Rate-focused savers: Choose online banks (4.00%+ APY)
- National coverage: Choose Chase or Bank of America
- Customer service: Choose US Bank or local credit unions
- Digital-first: Choose online banks or Ally
2026 Recommendation: Hybrid Approach
Optimal Strategy:
- Keep basic Fulton checking account ($0-10/month) for local branch access and mortgage services
- Move savings to online bank (Ally, Marcus, Vanguard) earning 4.00%+ APY
- Use Fulton Mortgage Company if buying/refinancing home
- Monitor system integration progress from Republic Bank acquisition
- Build emergency fund separately at online bank for backup access
This hybrid approach leverages Fulton’s regional strength and mortgage expertise while protecting savings through higher-yield online accounts and mitigating service risk through diversification.
Before Committing to Any Bank, Build Your Financial Foundation
Whether banking with Fulton or any other institution, establishing adequate emergency savings is critical in 2026’s uncertain economic climate. Use our Emergency Fund Calculator to determine exactly how much you should save based on your monthly expenses, job stability, number of dependents, and household situation. Combined with smart banking choices, a strong emergency fund provides foundation for financial resilience and peace of mind.