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Fulton Bank

FAQs

 

Personal Credit Cards

Arrow Expand Answer What types of personal credit cards do you offer?
Whether you’re looking earn rewards, get cash back, or start with a low interest rate to help you save on interest and pay down other credit cards faster, then we have the right card to meet your needs. Explore our wide range of credit card solutions.
Arrow Expand Answer How do I request a new or replacement card?
If your credit card is cracked or damaged, you have two options to get a replacement card:
  • Call the number on the back of your card and follow the instructions to speak with one of our customer service representatives; they will order you a new card
  • Visit us at your local branch and we’ll be happy to help you
Arrow Expand Answer Do you have credit cards that earn rewards?
Yes, we offer a range of credit cards that offer rewards including cash back, travel, and merchandise rewards.  Compare credit cards.
Arrow Expand Answer Can I use my credit card to get cash from an ATM?

You can get a cash advance by using either of these options:

  • Just like using a debit card, you can complete a cash advance by inserting your credit card into the ATM and requesting a withdraw.
  • Visit your local financial center and a customer service representative will help you.
Arrow Expand Answer How do I change my PIN?
If you need to change or reset your PIN, just call 1.800.472.3272 and follow the voice prompts for card activation to complete your PIN changes. You can also change your PIN at your financial center.

 

Arrow Expand Answer Do you offer a credit card to help build my credit?
Our Visa Secured Card helps you start or rebuild your credit history – even if you’ve been turned down for other credit cards.  It offers a flexible credit line based on a security deposit and a low annual fee.
Arrow Expand Answer What do I do if my credit card is lost or stolen?
If your card was lost or stolen, it’s important to contact us right away.  For credit cards, please call 1.866.794.2137.
 

Disbursement

Arrow Expand Answer What are the advantages of a commercial card?
Among the many benefits of a Fulton Bank Commercial Card are the ability to streamline payment processes while improving cash with flexible billing options, convenient online reporting packages, and 24/7 customer service.
Arrow Expand Answer What kind of disbursement services do you offer?
Our controlled disbursement service provides you with timely reporting on checks that will clear against your account each night. Controlled disbursement allows you to make daily funding decisions to meet your financial objectives. 
Arrow Expand Answer How can I learn more about disbursement services?
You can contact a Merchant Card Service specialist at 866.943.8739 or your relationship manager.
 

Savings

Arrow Expand Answer Who can contribute to my HSA?
Once you have determined that you meet the eligibility requirements for an HSA, you, your employer, your family members and any other person may contribute to your HSA.
Arrow Expand Answer HSA - Who is Eligible
You are eligible for a regular HSA if: o You are covered under a high-deductible health plan (HDHP) o You are not covered by any other health plan that is not an HDHP. There are certain exceptions for plans that provide for preventative care or other "permitted" coverage o You are not enrolled in Medicare o You are not a dependent on another person's federal income tax return
Arrow Expand Answer What types of IRAs do you offer?
We offer a variety of IRAS including Traditional, Roth, and Spousal IRAs. Compare IRAs.
Arrow Expand Answer When do I start earning interest on my savings account?
Interest begins to accrue on the day the processed, not the day the application is submitted.
Arrow Expand Answer What kinds of savings accounts do you offer?
We offer two types of savings accounts: o Student Statement Savings. Available for students up to 22 years old. There is no minimum daily balance requirement and no monthly maintenance fee. o Statement Savings. Earn a competitive interest rate on your balance. Requires a $100 minimum daily balance to avoid a $6 monthly maintenance fee.
Arrow Expand Answer Can I invest my IRA in a certificate of deposit?
When you choose a CD for your IRA, you earn a guaranteed interest rate for a fixed term. When your IRA CD matures, you can automatically renew it, or transfer your balance into another retirement account and continue to let it grow.
Arrow Expand Answer What is an IRA money market account?
An IRA money market account can be good option if you want to take advantage of a higher interest rate than a regular savings account can provide but still want the security of FDIC insurance.
Arrow Expand Answer What is a Roth IRA?
A Roth IRA is a retirement savings account that allows your money to grow tax-free. In return for no up-front tax break, your money grows and grows tax free, and when you withdraw at retirement, you pay no taxes.
Arrow Expand Answer What is an IRA (Individual Retirement Account)?
Individual Retirement Accounts (IRAs) were developed to give people a tax-advantaged way to save for retirement. The advantage is not having to pay taxes on annual investment earnings (gains, interest, or dividends) while your savings grow in this account.
Arrow Expand Answer How to Apply
You can easily apply online or visit your local branch.
Arrow Expand Answer How is the activity on my HSA reported?
Each year, we will report to the IRS the contributions made to your HSA account. We must also report the HSA distributions you take. As part of your federal income tax return, you will file IRS Form 8889 listing your contributions and distributions.
Arrow Expand Answer What types of certificates of deposit do you offer?
We offer Certificates of Deposit (CDs) in a variety of terms -- from 3 months to as long as 6 years. IRA certificates are also available. In addition to Fixed Rate options, we also offer No Penalty (9 month), Bump Up (36 month) and Variable Rate (12 month).
Arrow Expand Answer What is a certificate of deposit (CD)?
A certificate of deposit, or CD, is a savings tool that can offer a higher return on your money than most standard saving accounts. Most CDs restricts access to your funds until the maturity date of the investment and are subject to an early withdraw penalty if funds are accessed before the CD term ends - with the exception of our No Penalty CD and our 12 Month Variable CD.
Arrow Expand Answer How do I apply for a money market account?
You can easily apply online using our convenient online application or call 1.800.FULTON.4. You can also use our Branch & ATM Locator to find and visit a branch near you. To open an account you will need: Social Security Number or Taxpayer ID, Driver’s License or other government ID and Bank account information for initial funding (optional)
Arrow Expand Answer What kinds of money market accounts do you offer?
We offer two kinds of money market accounts: Money Market Account: earn competitive interest rates, $1,000 minimum daily balance to earn interest, $1,000 minimum daily balance required to avoid a $10 maintenance fee. Platinum Money Market Account: earn a high rate of return without high risk, $10,000 minimum daily collected balance to earn interest, $10,000 minimum daily balance required to avoid a $25 monthly maintenance fee.
Arrow Expand Answer Where can I find interest rates for money market accounts?
You can view money market interest rates online by clicking the learn more button above.
Arrow Expand Answer How is interest paid on my savings account?
Interest is compounded daily and credited monthly?
Arrow Expand Answer How to I apply for a savings account?
You can easily apply online using our convenient online application or call 1.800.FULTON.4. You can also use our Branch & ATM Locator to find and visit a branch near you. To open an account you will need: o Social Security Number or Taxpayer ID o Driver’s License or other government ID o Bank account information for initial funding (optional)
Arrow Expand Answer Where can I find interest rates for a savings account?
You can easily view all savings interest rates online. Savings Rates.
Arrow Expand Answer What is a Health Savings Account (HSA)?
A Health Savings Account (HSA) is a tax-exempt personal savings account that helps those with qualified high-deductible health plans (HDHPs) save money on many out-of-pocket medical expenses like doctor visits, vision and prescriptions.
Arrow Expand Answer Where can I find interest rates for a certificate of deposit?
You can view CD interest rates CD Rates.
Arrow Expand Answer What are the Federal Tax Benefits of having an HSA?

Your contributions to an HSA are fully deductible and your earnings grow tax deferred. The distributions for qualified medical expenses are also tax-free. Your tax or legal professional can provide guidance if you have questions.

You can deduct contributions made by anyone, other than your employer, as long as they don't exceed the maximum annual contribution amount.

Arrow Expand Answer What are the contribution limits and deductible requirements for my HSA?
Contribution limits and deductible requirements are set by the Internal Revenue Service (IRS) each year. In addition, there is a limit on the "out-of-pocket" expenses that can be incurred during the tax year. Please refer to the IRS Website to check limits and requirements. Your tax advisor or legal professional will also be able to help you if you have any questions.
 

Mobile Banking

Arrow Expand Answer How do I access mobile and tablet banking?
Just download our mobile banking app from the App Store(SM), Google Play™, or on Amazon.com. You can access your accounts via iPhone® and iPad® Android™ Phone and Android™ Tablet, and Kindle Fire®.
Arrow Expand Answer Benefits and Features
Our mobile and tablet banking app makes it easy to bank from anywhere. Conveniently check your balances, transfer funds, pay bills, securely deposit checks, and set alerts 27/7.
Arrow Expand Answer Do you offer Apple Pay® or Android Pay™?
It’s easy to add your Fulton Bank debit card to Apple Pay® to conveniently make purchases using your iPhone®, iPad®, or Apple Watch®. You can also use Android Pay™ to pay with your debit card with just a tap of your phone.
 

Rewards

Arrow Expand Answer What is the Relationship Rewards Program?
The program allows you to earn Rewards points for using a Relationship Rewards Visa® Debit Card or any of our Visa® or American Express® Credit Cards that include Relationship Rewards.
Arrow Expand Answer How can I earn Reward Points?
You can earn Reward points in the Relationship Rewards Program in many ways: o Debit Card Rewards Points. Use your Relationship Rewards Visa Debit Card when you shop in store or online -- and you’ll earn points o Credit Card Reward Points. Use your Visa® Bonus Rewards Credit Card or Cash Rewards American Express® Credit Card for any purchase of $4 or more, just choose “credit” at checkout and sign for your transaction and get rewarded. o Earn Bonus Points. You can earn Bonus Points for purchases and for your banking relationship with us
Arrow Expand Answer How do I enroll in the rewards program?
You’re automatically enrolled if you have a Fulton Bank checking account plus a Fulton Bank Relationship Rewards Visa Debit Card
Arrow Expand Answer Do reward points expire?
Reward points will expire three years from the date when the original points were posted to your rewards account. Expired rewards points cannot be reinstated because of non-use. Please note: Converted points expire 6 months from the date of conversion.
Arrow Expand Answer How long does it take to receive my gift card or merchandise?
Once you have redeemed your rewards points, it may take between two and four weeks after the request to receive your gift cards. Redemptions for merchandise may take between four to six weeks to arrive.
Arrow Expand Answer How do I redeem my reward points?
Just log in to Online Banking and click on the Rewards Tab, visit www.MyRelationshipRewards.com, or call 1.800.924.1807.
Arrow Expand Answer Can I transfer rewards points from one account to another?
You can transfer points to other rewards customers with whom you share a joint checking account.
Arrow Expand Answer Can I combine debit card and credit card reward points?
Yes, you can covert points from a Fulton Bank Visa Card or a Cash Rewards American Express Credit Card to a Relationship Rewards Visa Debit Card. All your points are conveniently displayed at www.MyRelationshipRewards.com.
 

Mortgages

Arrow Expand Answer What’s the difference between a fixed rate and an adjustable rate mortgage?
A fixed rate mortgage means your interest rate and your total monthly payments will stay the same for the entire term of the loan. With an adjustable rate mortgage, you begin with a lower interest rate and lower monthly payments for a set period and then your rate may increase or decrease and will continue to adjust each year for the life of the loan.
Arrow Expand Answer Do you offer mortgages for first time homebuyers?
Our Homebuyer Advantage Plus® Mortgage is designed for first time homebuyers and offers flexible credit terms and a low down payment. Key features include 97% financing, up to 6% seller assistance allowed, and no private mortgage insurance (PMI) required.
Arrow Expand Answer Can I get pre-qualified for a mortgage?
Yes, getting pre-qualified for a mortgage takes the guess work out of how much you can borrow, so you can focus on finding the right home for your budget. Get pre-qualified.
Arrow Expand Answer What is the Closing Cost Assistance Program?
When purchasing a new home, eligible customers can receive up to $2,500 toward their closing costs through our Closing Cost Assistance Program. (CCAP). Learn more about eligibility and how to qualify for this valuable program by talking to your local loan officer.
Arrow Expand Answer What is private mortgage insurance?
When you make a down payment of less than 20%, the lender requires private mortgage insurance (PMI). This policy helps lender minimize risk.  PMI is also required if you refinance the mortgage with less than 20% equity.
Arrow Expand Answer Can I get pre-qualified for a mortgage?
Yes, getting pre-qualified for a mortgage takes the guess work on how much you can borrow. 
Arrow Expand Answer What types of mortgages do you offer?

We offer a wide range of mortgage solutions tailored to fit your needs. Some of our most popular mortgage products include:

  • Fixed Rate
  • Adjustable Rate
  • VA (Veterans Administration)
  • Home Equity Loans
  • First Time Homebuyer Programs
  • Construction to Permanent Mortgages
 

Overdraft

Arrow Expand Answer What if I do not want to enroll in any overdraft plan?

You are automatically enrolled in the Overdraft Elect Partial Coverage Election Plan. If you do not want to participate in any Overdraft Elect Plan please fill out the form on our Overdraft Services page, call us at 1.800.385.8664 or visit your local financial center.

Arrow Expand Answer What is overdraft protection?

Overdraft Protection allows you to link your Fulton Bank checking account to another eligible Fulton account such as a savings, another checking, or money market account. It automatically transfers available funds to your linked account to help cover purchases or debits if you don't have enough money in your checking account. There is a $39 Overdraft/NSF Fee per paid or returned item.

Arrow Expand Answer What is Overdraft Elect™?

Overdraft Elect ™ provides you with the opportunity to manage overdrafts. You have three options:

  • Standard Overdraft Elect™. The bank may authorize and pay overdraft items up to your overdraft limit for transactions except everyday debit card and ATM transactions.  (You are automatically enrolled in this election).
  • Overdraft Elect All-Out Election. The bank will not authorize and pay overdraft items for all your transactions including everyday debit card and ATM transactions. You must opt-out for this election.
  •  Overdraft Elect All-In Election Plan. The bank may authorize and pay overdraft items up to your overdraft limit for all your transactions including everyday debit card and ATM transactions. You must opt-in for this election.
Arrow Expand Answer What is the difference between Overdraft Protection and Overdraft Elect™?

Overdraft Protection allows you to link your checking account with another eligible Fulton account to cover purchases or debits if you don't have enough money in your account. There is a $12 Sweep Transfer Fee per day when the bank pays overdrafts.  

Overdraft Elect™ means the bank may authorize and pay overdraft items for you whether or not you have linked an eligible Fulton Bank account to cover overdrafts. You are automatically enrolled in Standard Overdraft Elect. If you choose, you can also select to opt out for Overdraft Elect entirely or opt-in for our All-In Election Plan.  There is a $39 Overdraft/NSF Fee per paid or returned item.

Arrow Expand Answer What is an overdraft?

An overdraft occurs when your account does not have enough funds to cover transactions such as check, debit card purchases, and electronic funds transfer.

Arrow Expand Answer How do I find out which overdraft plan I currently have?

Please call us at 1.800.385.8664 or 1.800.FULTON.4 or visit a branch and a representative will help you.

 

Loans

Arrow Expand Answer Do you offer a home equity line of credit?
Our home equity line of credit is called OptionLine. A home equity line of credit allows you to leverage the value of your home to gain anytime access to your available funds. Whether you're looking for pay off high-interest debt, renovate your home, pay for college, or need money for virtually anything, OptionLine can help make it happen.
Arrow Expand Answer How does OptionLine work?

Optionline is a variable rate line of credit with interest only monthly payments. As you draw from your line, you can lock in up to three separate balances at a fixed rate, which converts to a fixed principal and interest monthly payment. The remaining portion of your line of credit is still available for future use.

Arrow Expand Answer How do I apply for OptionLine? (Home equity line of credit)
We make it easy. You can apply for OptionLine online, at your local branch or by phone at 1.800.FULTON.4.
Arrow Expand Answer Do you offer auto loans?
Yes, we offer flexible financing solutions for new or uses cars, trucks, RVs, and motorcycles. You can apply online, at your local branch, or by home at 1.800.FULTON.4.
Arrow Expand Answer What is loan-to-value (LTV) ratio?
Loan-to-value ratio, or LTV, is the difference between the loan amount you are requesting and the value of your collateral. Typically, home equity loans are made at 80% LTV. 
Arrow Expand Answer Do you offer personal loans?
An unsecured loan from Fulton Bank could be a great option for help with paying down high interest credit cards, home improvements or unexpected expenses. You'll enjoy a predictable monthly payment and there's no need to use your home or other assets to borrow money.
Arrow Expand Answer Is there a minimum line amount?

The minimum line amount for all OptionLines is $5,000.

 

 

Checking Questions

Arrow Expand Answer Where can I find my ABA routing number?

Fulton Bank's routing number is 031301422. The sample check graphic below shows where you can find your routing and account numbers at the bottom of your check.

Check image with routing number
Arrow Expand Answer How can I apply for Interest Checking?
You can apply online, call us at 1.800.FULTON.4, or visit one of our local branches.
Arrow Expand Answer What are the benefits of Interest Checking?
Interest Checking features include competitive interest rates, no monthly maintenance fee with $1,000 minimum daily balance or ACH direct deposit into the account each monthly statement cycle, $1,000 minimum collected balance to earn interest, no annual fee Relationship Rewards Visa® Debit Card, Online and Mobile Banking, and Online Bill Pay. Compare Checking Accounts.
Arrow Expand Answer What is Interest Checking?
Interest Checking offers the benefits of a checking account plus a competitive interest rate.
Arrow Expand Answer Can I apply for Simply Checking online?
Yes, we make it easy and convenient to apply online.
Arrow Expand Answer How can I get a copy of a check?
There are three ways to get a copy of a check:
  • Log on to Online Banking and go to the Checking Account Detail page. When images are viewable the words "Check" and "Deposit" will become links
  • Paper statements. You need to be enrolled in our check imaging service. Checks are stored for 24 months
  • Out of cycle statement copies. Call 1.800.FULTON.4 or visit a branch. There will be a fee for this service.
Arrow Expand Answer Do you offer checking accounts for students?
Our Student Checking account is available for students 16-22. There's no minimum daily balance requirement and no monthly maintenance fee. Plus this account gives students online and mobile access to their accounts.
Arrow Expand Answer Do you offer checking accounts that pay interest?
We offer a variety of accounts that pay interest on your checking balance including Interest Checking, Prime Life Interest Checking, and Relationship Banking. Compare Checking Accounts.
Arrow Expand Answer Can I apply for Interest Checking online?
Yes, we make it easy and convenient to apply online. Apply.
Arrow Expand Answer How can I apply for Simply Checking?
You can apply online, call us at 1.800.FULTON.4, or visit one of our local branches.
Arrow Expand Answer What banking solutions are available for students?
We can help students raise their financial IQ with a range of products and services designed for their needs. Key products include Student Checking, Student Statement Savings, College Rewards Visa® Credit Card, Online and Mobile Banking, and Online Banking with Bill Pay.
Arrow Expand Answer What’s Simply Checking?
Simply Checking lives up to its name. It is a simple, straightforward solution for customers who want to eliminate account fees and maintain lower balances.
Arrow Expand Answer What are the benefits of Prime Life Interest Checking?
Key features include no minimum daily balance requirement, no monthly maintenance fee, tiered-interest rates - so the more your account grows, so does the interest level you earn, a no annual fee Relationship Rewards Visa® Debit Card, Online and Mobile banking and Safe Deposit discounts. Compare checking accounts.
Arrow Expand Answer What is Student Checking?
Student Checking provides students (age 16-22) with their own checking account with no minimum daily balance requirement, no monthly maintenance fee, Online and Mobile banking, and a No-annual-fee Relationship Rewards Visa® Debit card. (Adult co-sign required for students under age 18).
Arrow Expand Answer How can I apply for Prime Life Interest Checking?
You can apply online, call us at 1.800.FULTON.4, or visit one of our local branches.
Arrow Expand Answer How do I stop a payment on a check or automatic deduction?
You have several options to stop a payment: o Under the Account Access Tab in Online Banking, go to the “Stop Payment” option to stop a payment on a check. o Go to the Bill Pay tab in Online Banking to stop a payment made using our Online Bill Pay service. o Call 1.800.FULTON.4 or visit your local branch.
Arrow Expand Answer What types of Overdraft Services do you offer?
Overdraft Elect ™ provides you with the opportunity to manage overdrafts. You have three options: o Standard Overdraft Elect™. The bank may authorize and pay overdraft items up to your overdraft limit for transactions except everyday debit card and ATM transactions. (You are automatically enrolled in this election) o Overdraft Elect All-Out Election. The bank will not authorize and pay overdraft items for all your transactions including everyday debit card and ATM transactions. You must opt-out for this election o Overdraft Elect All-In Election Plan. The bank may authorize and pay overdraft items up to your overdraft limit for all your transactions including everyday debit card and ATM transactions. You must opt-in for this election
Arrow Expand Answer Do you offer special checking accounts for customers over 50?
Our Prime Life Interest Checking account is exclusively for customers over age 50. This is an interest-bearing account with no minimum daily balance requirement and no monthly maintenance fee.
Arrow Expand Answer How do I open a checking account?
You can easily apply online using our convenient online application or call 1.800.FULTON.4. You can also use our Branch & ATM Locator to find and visit a branch near you. To open an account you will need: Social Security Number or Taxpayer ID, Drivers License or other government ID, and Bank account information for initial funding (optional)
Arrow Expand Answer What kind of checking accounts do you offer?
We offer a variety of checking accounts designed to fit your individual needs. Compare checking accounts.
Arrow Expand Answer What are the benefits of Simply Checking?
Account features include no minimum daily balance requirement, no monthly maintenance fee, no annual fee Relationship Rewards Visa® debit card, Online and Mobile Banking, and Online Bill Pay. Compare Checking Accounts.
Arrow Expand Answer What’s the minimum age to open a Student Checking account?
Our Student Checking account is available for students age 16-22. Check out the benefits at Student Checking.
Arrow Expand Answer What does ACH stand for?
ACH is an acronym for Automated Clearing House. ACH is an electronic network for financial transactions in the United States. ACH services.
Arrow Expand Answer Do you offer a free checking account?
We offer many checking accounts that have no monthly maintenance fees and no minimum daily balance requirement. Compare our checking accounts.
Arrow Expand Answer What is Relationship Banking?
Relationship Banking helps you make more out of your banking relationship. It features competitive interest rates that grow as your account grows, no-monthly fee with a $2,000 minimum daily balance, and periodic bonus offers on certificates of deposit.
Arrow Expand Answer Prime Life - Apply Online
Yes, we make it easy and convenient to apply online. Apply.
Arrow Expand Answer How do I order checks?
You can order your checks through Online Banking, or at your local branch.
 

Online & Mobile Banking

Arrow Expand Answer How do I enroll in online and mobile banking?
Fill out our online enrollment form. You'll need your account number and Security Word. If you don’t have a Security Word, visit any branch office.
Arrow Expand Answer What are the features and benefits of online banking?
Online Banking lets you quickly access your accounts, check balances, transfer funds, pay bills, and set alerts. You can also bank from virtually anywhere with our mobile and tablet banking app.
Arrow Expand Answer Do I have to pay for online banking?
There is no fee for Online Banking when you have a Fulton Bank account. There may be other fees associated with your account.
 

Credit Cards

Arrow Expand Answer What are the benefits of the Visa® Cash Card?
For those who want cash back, Visa Cash Card rewards you more for your everyday business purchases. You’ll earn 3% on eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services and 2% cash back on restaurant and gasoline eligible net purchases. Plus $25 cash back bonus after first purchase. 
Arrow Expand Answer What are the benefits of the Visa® Business Bonus Rewards PLUS Card?
Cardholders get a 50% bonus on all points earned every month - automatically.  There’s nothing to sign up for and no caps or limits on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers. Plus, the Visa Business Bonus Rewards PLUS Card comes with award-winning expense management tools and added security benefits.
Arrow Expand Answer What are the benefits of the Visa® Business Card?
Enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster. The Business Platinum Card offers an introductory 0.00% APR* for the first 12 billing cycles on purchases* and balance transfers and there’s no annual fee.
Arrow Expand Answer What are the benefits of the Visa® Business Bonus Rewards Card?
Cardholders get a 25% bonus on all points earned every month - automatically. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers. Plus the Visa Business Bonus Rewards Card has no annual fee.
Arrow Expand Answer What kind of small business credit cards do you offer?
You can choose from four different credit cards designed to meet the needs of growing businesses. Our Visa® Business Card, Visa® Business Cash Card, Visa Business Reward Card, and Visa® Business Bonus Rewards Plus Card. Compare small business credit cards.
 

Business Retirement Plans

Arrow Expand Answer What type of retirement plans do you offer?
We provide a suite of customized plans including - 401(k), SEP, Defined Benefit Plans, Profit Sharing Plans, Money Purchase Plans, Simple 401(k) and IRA plans.
Arrow Expand Answer How do I contact an employee retirement specialist?
Talk with a retirement plan specialist by calling 1.866.332.8393.
 

Payment Processing

Arrow Expand Answer What kind of payment processing services do you offer?
Our payment processing solutions enable your business to accept credit, debit, gift cards, and checks across multiple channels. Our streamlined processing and reporting services make it easier to manage your cash flow and stay on top of your business finances. 
Arrow Expand Answer How can I contact a Merchant Services specialist?
You can contact a Merchant Card Services specialist at 866.943.8739.
Arrow Expand Answer How can I accept card payments online?
As more and more consumers shop from mobile devices, your ability to provide convenient online payment options is essential to your business. Our Merchant Card Services team can help you find the right solution for your business providing your customers with the ability to pay via ACH, credit cards, and debit cards.
 

Account Reconcilement

Arrow Expand Answer What is the difference between partial and full account reconcilement?
Partial reconcilement provides electronic and paper listings of paid checks for the prior statement cycle and a summary of stop payment activity. Full reconcilement provides electronic and paper listings of both paid and unpaid checks as well as a variety of additional reports and services.
Arrow Expand Answer What is Positive Pay?
Positive Pay is an automated fraud detection tool that helps ensure check authenticity on a daily basis. It also offers you the ability to make a pay/no-pay decision on any suspect items and return them through the Fed system to avoid payment of fraudulent items.
Arrow Expand Answer What kind of account reconcilement services do you offer?
We offer a wide range of account reconcilement options to enhance your account information through electronic data transmission and consolidated reports from partial and full reconcilement to Positive Pay fraud protection and verification.
 

BOSS - Business online banking

Arrow Expand Answer Who do I contact for BOSS technical assistance?

Contact eCommerce Services at 1.888.654.3858 for password resets, bill payment, wire assistance or other technical questions regarding the platform. 

Arrow Expand Answer Is BOSS compatible with Direct Connect for QuickBooks?
Yes. You can connect your commercial accounts directly from QuickBooks® or the BOSS portal in just a few easy steps. A direct connect fee for QuickBooks will apply if this service is used.
Arrow Expand Answer What is BOSS?
Bank beyond business hours and efficiently perform routine tasks. BOSS -- our Business Online Banking system -- is your portal to monitor and manage every aspect of your banking relationship with us including 365 days of banking history at your fingertips. 
Arrow Expand Answer Do I have to pay for online banking?
The cost of BOSS for Small Business starts at $10/month. Contact a local branch for details. 
Arrow Expand Answer Is there a limit of the number of accounts I can view in BOSS?
No, you can view all of your business accounts within the BOSS portal. 
 

Payroll and Cash Management

Arrow Expand Answer What cash management services do you provide?
We offer a variety of Cash Management services including collection services such as Lockbox to convert receivables to cash,  investment services such as Cash Sweep to put surplus cash to work more effectively, and disbursement services such as direct deposit or electronic banking services to help you monitor and control your various accounts.  
Arrow Expand Answer Do you offer payroll services for small businesses?
Our Payroll Services allows your company to increase efficiency and reduce cost. Our Direct Deposit of Payroll Service helps you do both through depositing employees’ net pay directly into their bank accounts.
Arrow Expand Answer What are the benefits of Payroll Services?
The benefits of Direct Deposit of Payroll Services include automatic reconcilement of outstanding checks - no more lost checks or stop payments, control of payment timing - all funds clear your payroll account at the same time, and streamlined processing.
 

Insurance

Arrow Expand Answer What is whole life insurance?
Whole life insurance is a type of life insurance contract that provides insurance coverage of the contract holder for his or her entire life. Upon the death of the contract holder, the insurance payout is made to his or her beneficiaries. These policies also include a savings component which builds a cash value. 
Arrow Expand Answer What is variable universal life insurance?
Variable universal life insurance (VUL) is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is up to the contract owner.
Arrow Expand Answer What is universal life insurance?
Universal life insurance provides protection for the entire life of the insured and builds cash value over time while offering flexible premiums and a flexible face amount. 
Arrow Expand Answer What is term life insurance?
Term life insurance provides protection for only a specified period of time – usually 10, 15, 20 or 30 years. There is no cash value associated with term life coverage, which is why premiums are often lower than for other types of insurance. 
Arrow Expand Answer What are the advantages of long term care insurance?
The advantages of long-term care insurance are that it allows you to maintain your independence, afford quality care, and reduces the financial and psychological stress that a serious long-term care event causes for the family.
Arrow Expand Answer What is long term care insurance?
Long term care (LTC) insurance provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs
 

Business Loans and Lines

Arrow Expand Answer How do I apply for a small business loan or line of credit?

We can assist you with the application process at one of our financial centers, use our branch locator to find the branch closest to you. 

Arrow Expand Answer What is a Small Business Administration (SBA) loan?
The SBA is a federal agency that offers partial loan guarantees to qualified applicants. As a participant in the SBA's "Preferred Lending Program," Fulton Bank's lenders have the experience to help you cut through the red tape often associated with small business lending. 
Arrow Expand Answer What's the difference between a loan and a line of credit?
Generally, a term loan provides a fixed payment over 1 to 5 years and are normally backed by collateral. A term loan can help you acquire machinery, equipment, or other fixed assets.  A line of credit provides the flexibility and convenience of accessing funds whenever you need them for financing needs – without having to apply for a new loan.
 

Leasing

Arrow Expand Answer How do I apply for a lease?
We can assist you with the application process at one of our financial centers, use our branch locator to find the branch closest to you. 
Arrow Expand Answer Is it better to lease equipment or finance with a term loan?
Your decision depends on individual circumstances. Because leasing typically requires little or no down payment and can often have lower monthly payments than a term loan, cash flow or capital retention is the most popular benefit. Leasing may also give you a larger tax advantage immediately. Consult your tax advisor.
Arrow Expand Answer What are the benefits of business leasing?
Leasing allows you to enjoy the benefits of acquiring new or used equipment, cars or trucks without a down payment. In general, you'll discover that leasing cuts your monthly payments by as much as 30% to 40%, since you'll be paying for only a portion of the asset's actual value.
 

Business Money Market and Savings

Arrow Expand Answer What kinds of small business money market and savings accounts do you offer?
We offer a variety of money market, savings, and CD accounts designed to fit your business needs.  Compare small business savings accounts.
Arrow Expand Answer When do I start earning interest on my savings account?
Interest begins to accrue on the day the processed, not the day the application is submitted.   
Arrow Expand Answer Where can I find interest rates for a business savings account?
You can easily view all of our savings interest rates online.
Arrow Expand Answer What types of money market accounts do you offer?
We offer two kinds of money market accounts:
  • Fulton Fund Money Market Account. Earn competitive interest rates. $1,000 minimum balance to earn interest. $1,000 minimum daily balance required to avoid a $20 maintenance fee.
  • Fulton Fund Special Edition Money Market Account. Earn a high rate of return without high risk. $10,000 minimum collected balance to earn interest. $10,000 minimum daily balance required to avoid a $25 monthly maintenance fee. Tiered interest rate paid monthly on collected balance.
 

Checking

Arrow Expand Answer Where can I find my routing and account numbers?
You’ll find your routing and account numbers at the bottom of your check. 
Arrow Expand Answer How do I order checks?
You can order checks through Online Banking or at your local financial center.
Arrow Expand Answer What kind of checking accounts do you offer?
We offer three small business checking accounts designed to fit your business needs - Small Business Checking, Small Business Premium Checking and Small Business Interest Checking. 
Arrow Expand Answer What types of overdraft protection do you offer for small businesses?
Small business lines of credit are available from $10,000 to $100,000 and can be linked to your primary operating account as overdraft protection.