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Fulton Bank
Fulton Bank

Frequently Asked Questions

Got a question? We've got the answers in our FAQs.



Arrow Expand Answer What is a Coverdell Education Savings account?
A Coverdell Education Savings Account—also known as an ESA—is a tax-deferred trust account designed to help pay for your child's education. 
Arrow Expand Answer What is a 529 college savings plan?
A 529 plan is a tax-advantaged college savings program designed to help make it easier to save for the future higher education of a beneficiary, such as a child or grandchild.
Arrow Expand Answer Will I owe taxes on my IRA rollover?
Most pre-retirement payments you receive from a retirement plan or IRA can be “rolled over” tax-free by depositing the payment in another retirement plan or IRA within 60 days.
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 asset allocation?
Asset allocation is an investment strategy that helps balance risk and reward by apportioning a portfolio’s assets according to an individual’s goals, risk tolerance, and investment horizon.
Arrow Expand Answer How are my IRA contributions reported to the IRS?
You contributions are reported on IRS form 5498.

My Account

Arrow Expand Answer How can I ensure Fulton Bank will receive my loan payment on time?
1. Use online and mobile banking to quickly make a payment, regardless of if you have a Fulton checking account. If you don't have online or mobile banking you can download our mobile app or register to get started.  You can also enroll in eStatements to avoid delays in having statements mailed to you and set alerts to remind you when a payment is due.  2. Call our Direct Banking Center at 1.800.FULTON.4 (1.800.385.8664) to make a payment transfer from your Fulton Bank deposit account through our telephone banking system. Or, speak to a representative to make a payment over the phone from a non-Fulton account.  3. Establish an automatic payment form a non-Fulton Bank account 4. Make a payment at one of our Financial Centers  
Arrow Expand Answer Is there a limit on how much I can withdraw at the ATM?
The ATM withdraw limit for all accounts, except Student accounts, is $600 per day. Student accounts are limited to $250 per day. 
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 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 How do I update my personal information on my account?
You can change your personal account information 1 of 3 ways: 1. If you are an Online Banking Customer: Sign into Online Banking Submit an address and telephone change request (Click Additional Services and select "Address and Telephone Change Request") Update your email address, user name, password and security settings (Click on "My Settings") 2. Call us at 1.800.Fulton.4 3. Visit us at 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: 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 Where can I find my ABA routing number and account 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.
Arrow Expand Answer How do I stop a payment on a check or automatic deduction?
 To stop a payment on a check, login into online banking and click on the “Additional Services” menu.  You’ll find a steps for stop payment. Or you can 1.800.FULTON.4 or visit your nearest branch. To stop payment on an ACH you must call 1.800.FULTON.4 or visit your nearest branch.
Arrow Expand Answer How do I order new checks for my account?
We partner with Deluxe, an industry leader that offers many different check designs. You can order your checks using our website, by logging in to Online Banking, or through your local branch. The cost of your checks may vary, depending on which type you select.
Arrow Expand Answer Are there any transaction limitations on my account?
There are no transaction limits for personal checking accounts. For any personal saving or money market account you are allowed 6 total checks, online banking, ATM or telephone transfers per statement cycle.  For business accounts,visit your nearest branch or call us at 1.800.FULTON.4 for account details.   
Arrow Expand Answer What is my daily purchase limit?
Your daily purchase limit is $3,000 based on available balance.
Arrow Expand Answer I received a notice that my account is “inactive.” What does this mean?
Checking, savings, and money market accounts are considered inactive when you do not initiate any deposits or withdrawals from your account within a 24-month period. If you receive a notice, please contact your local branch as soon as possible.
Arrow Expand Answer When do I start earning interest on my account?
Interest bearing accounts start earning interest immediately. Interest is earned daily, but compounded and paid monthly.

Debit and Credit Cards

Arrow Expand Answer When will a contactless card replace my current debit card?
We'll be issuing contactless debit cards over the next 12 months. Look for your new card in the mail. 
Arrow Expand Answer There is a transaction on my card that I don't recognize, how do I dispute it?
Call the number on the back of your card. You will need provide the following:  o The date of the charge o Name of the merchant o Why you’re filing a dispute o What was different than what was ordered o When it was  cancelled or sent back o If or when you contacted the merchant
Arrow Expand Answer Can I change my payment due date?
Yes, just call the number on the back of your card. Typically, it takes up to two statement cycles for the new date to take effect.
Arrow Expand Answer Do you offer Apple Pay®, Android™ Pay, or Samsung Pay®?
Yes, you can add your Fulton Bank debit card to Apple Pay, Android Pay, or Samsung Pay to pay without swiping your card or entering payment or contact information when buying online.
Arrow Expand Answer How do I add an authorized user on my card?
Just call the number on the back of your card. Elan must read the disclosures directly to the primary/secondary card member, or Elan will send a form to the cardmember.
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 credit card 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.
Arrow Expand Answer What should I do if I am traveling and want to use my card?
Contact us to notify us of the date and location of your travel.   Debit Card: Contact us at 1.800.FULTON.4. Credit card: Call the number on the back of your card. 
Arrow Expand Answer How can I increase my credit card limit?
Call the number on the back of your card. You will need to provide annual gross individual income & mortgage/rent amount, and employer name for primary/secondary card member.  
Arrow Expand Answer What is a foreign ATM fee?
A foreign ATM fee may be accessed each time a withdrawal, transfer, or a balance inquiry is completed at an ATM location not owned by Fulton Financial Corporation.
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 How do I redeem my reward points?
Just log in to Online Banking and click on the Rewards Tab, visit, or call 1.800.924.1807.
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 can I earn Reward Points?
With an eligible checking account, your debit card is automatically enrolled in our Debit Card Rewards Program.  Debit Card Reward Points: Select Visa Debit or credit when shopping in store Credit Card Reward Points: Use your Visa® Bonus Rewards Credit Card for any purchase of $4 or more
Arrow Expand Answer Can I combine debit card and credit card reward points?
Yes, you can convert points from a Fulton Bank Visa® Credit Card to a Contactless Visa® Debit Card. All your points are conveniently displayed at

Overdraft Services

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 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 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.
Arrow Expand Answer What are the fees for overdrafting my account?
The fees charged depend on whether you enroll in Overdraft Protection. There is no fee to enroll in Overdraft Protection. If enrolled, there’s a $12 Sweep Transfer Fee per day when the bank transfers money to pay overdrafts. Without Overdraft Protection, there is a $39 fee charged to your account for each overdraft item.  The maximum daily overdraft fee per account is $174 per day.
Arrow Expand Answer If I have insufficient funds in my account, can I still get cash at an ATM?
If you opt-in for our Overdraft Elect “All-In” Election, you can withdraw cash from your ATM but will incur a $39 overdraft fee per item or a $12 sweep fee if you have a linked Fulton Bank account.  
Arrow Expand Answer How do I enroll in Overdraft Protection?
To enroll your account in Overdraft Protection, visit your nearest branch.  Find a Branch
Arrow Expand Answer Which accounts are eligible to link to my checking account for Overdraft Protection?
You can link your Fulton Bank checking account to another eligible Fulton account such as a savings, another checking, money market account, or line of credit.


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 Can I withdraw money from a CD before the maturity date?
Yes, however accounts closed prior to maturity date will be subject to an early withdrawal penalty based on the terms of the account. 
Arrow Expand Answer What are the rules for a “No Penalty” CD?
There are no early redemption penalties after the first 7 days and the CD can be redeemed at any time during the term.
Arrow Expand Answer What is CD laddering?
CD laddering is a way of setting up multiple CDs so they mature at different intervals. A CD ladder will help you earn higher interest rates without sacrificing accessibility.

Mortgages and Home Loans

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 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
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. Certain programs such as our Homebuyer Advantage Plus® Mortgage and HomeReady® Mortgage Plus do not require PMI.  
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 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 What are mortgage points?
A mortgage point is equal to 1% of your mortgage loan, and buying points is a way to lower your interest rate.
Arrow Expand Answer What is the re-lock feature for construction loans?
Our re-lock feature allows you to relock your rate to our current rate for an extended period anytime during the entire life of your loan without the hassle of a traditional refinance.
Arrow Expand Answer What’s the difference between “pre-qualified” and “pre-approved”?
Getting pre-qualified for mortgage is an evaluation of your creditworthiness and the amount you would likely qualify for. A pre-approval is an actual statement that specifies a specific mortgage amount based on an underwriter’s review. 
Arrow Expand Answer What is a home equity loan?
A home equity loan is a type of loan in which the borrower uses the equity of his or her home as collateral. You can use your primary or Non-primary residence as collateral. For a non-primary residence you can borrow up to 75% of the value of the property less any existing mortgage debt.
Arrow Expand Answer How does OptionLine Home Equity Line of Credit 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 What is an Optionline home equity line of credit lock?
As you draw from your line, you can lock in up to three balances at a fixed rate, with a fixed monthly payment. A $100 lock fee applies each time you establish a Fixed Rate Advance. The fee is waived if rate is locked at closing. 

Online and Mobile Banking

Arrow Expand Answer How do I have digital banking access deleted?
To have your digital access deleted, please sign into online banking via a browser or the mobile app and click on ‘Secure Message’.  ‘Secure Message’ can be found in online banking by simply clicking ‘Support’ at the top of the webpage or under the ‘Additional Services’ tab; and can be found in the mobile app under ‘Contact Us’ in the ‘More’ section.  Once you have accessed ‘Secure Message’, select ‘Delete Online Banking Access’ from the ‘Issue’ drop down and follow the prompts given.  You will receive emails to acknowledge the receipt of the request, an email confirmation of receipt of request and completion of it will be received at your email provided.  If you cannot sign into your online account (or if you are utilizing a business account and do not have the ‘Secure Message” option), you may request to have your digital banking access deleted with a call to our contact center at 1.800.FULTON.4 (1-800-385-8664), by visiting a local branch, or by using the ‘Let's Connect’ form located here: Please note that when your digital banking access is deleted: 1. You will no longer be able to log into Fulton Bank’s online banking or mobile app. 2. If enrolled in electronic delivery for items such as eStatements, you will receive paper statements that will be mailed to the address we have on file. 3. Any activity you previously set up with online banking or our mobile app will be disabled and/or deleted. This includes: alerts, scheduled or recurring transfers and payments, check deposit history, and bill payments. 4. Your Fulton Bank account (all deposits and loans) will remain open and unaffected if your request is to delete your digital banking access.
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 can I view with Investor Access?
Using a computer or mobile device, you can view current and historical statements, account balances and activity, key data, cost basis information, and tax-reporting documents.
Arrow Expand Answer Transfer Funds
Just log into your account and click “transfer.” Choose “Move Money” and select the accounts you want to move money to and from. 
Arrow Expand Answer Are there mobile deposit limits?
Yes, there are limits to the total dollar amount you can deposit per day and per month. Within 90 days of account opening: Daily Deposit Limit: $1,000 Monthly Deposit Limit: $2,500 After 90 days of account opening, limits are based on deposit account and is displayed within the mobile deposit feature. Most customers will have a monthly deposit limit of $15,000.
Arrow Expand Answer How can I download Fulton Bank's mobile app?
You can find our mobile banking app at the App Store, Google Play™, and on Amazon.
Arrow Expand Answer I need a copy of a statement, can get that online?
Yes. Log into your account and click on “Additional Services” menu. Then select “Online Statements”  and choose your account and the month you need from the dropdown menus. Statements are available for the previous 24 months.
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 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. 
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 I made a mobile deposit. When will my funds be available?
For personal and small business banking, the first $100 of daily deposits will be available upon accepted, with the remainder of your funds will be available the next business day after the deposit is accepted into your account. Look for your confirmation email that the deposit was accepted.
Arrow Expand Answer Do I have to pay for business online banking?
The cost of BOSS for Small Business starts at $10/month. Contact a local branch for details. 

Personal Loans

Arrow Expand Answer Is there a minimum line amount?
The minimum line amount for all OptionLines is $5,000.  
Arrow Expand Answer What if I am unable to send active duty orders?
You can also send a letter from your commanding officer. This letter must contain: o Your full name o Social security number o Date of birth o Home address o Active duty start date o Commanding office’s telephone number, unit number, and statement confirming your active duty status
Arrow Expand Answer Are SCRA benefits available for family members of active duty service members?
Spouses and dependents of active duty service members qualify for SCRA benefits.
Arrow Expand Answer What specific obligations does SCRA cover?
SCRA covers such debts as mortgage loans, home equity loans and lines of credit, car loans overdraft lines of credit, credit cards, and personal loans.
Arrow Expand Answer What is debt-to-income ratio?
Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income.
Arrow Expand Answer What amount can I borrow on an unsecured line of credit?
The maximum line account is $50,000 and a minimum credit score of 720 is required.


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 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 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 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

General Banking

Arrow Expand Answer How do I open an 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 How do I send a wire transfer?
Visit your nearest branch. You will need the following: A valid driver’s license or other governmental photo identification Your account information Beneficiary bank name and address Beneficiary bank SWIFT code (international wires only) IBAN or other necessary codes (where required) Beneficiary bank routing number (domestic wires only) Beneficiary account number Beneficiary name and full address (As listed on beneficiary account)
Arrow Expand Answer What sizes of safe deposit boxes do you offer?
Each branch offers a different variety of safe deposit sizes. Please contact your local branch for specific sizes available.
Arrow Expand Answer How do I get a cashier's check?
Visit your nearest branch. There is a $11 fee for each cashier’s check. You need to be a Fulton Bank customer and will need to use funds collected in your account, cash is not accepted.  
Arrow Expand Answer Do you sell money orders?
Yes, visit your nearest branch. There is a $5 fee per money order. 
Arrow Expand Answer Is there a fee to cash a Fulton Bank check?
If you’re a Fulton Bank customer, there is no fee for cashing checks. If you are not a Fulton Bank customer, there is a $5 fee for cashing a Fulton Bank check and a $10 fee for cashing a US Treasury or Federal Tax Refund Check.
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 I'm traveling abroad, how do I order foreign currency?
There are several ways to place a foreign currency order. For security reasons, all orders must be picked up at a branch. Order online Visit your nearest branch Call our International Group at 1.877.324.1550 There is no fee for Fulton Bank customers. Non-customers must place orders in a branch and are subject to fees.
Arrow Expand Answer What is a UGMA/UTMA Custodial account?
The Uniform Gifts to Minors Act (UGMA) and the Uniform Transfers to Minors Act (UTMA) are types of custodial accounts that are set up by an adult on behalf of a minor. All the money and assets (e.g. mutual funds, stocks, bonds, Certificates of Deposits, etc.) are typically turned over to the beneficiary’s control at the age of 18 to 21.
Arrow Expand Answer Do Fulton Bank branches count coins?
Fulton Bank branches accept already rolled coins. Branches do not have coin counters and do not accept loose coins. Coin wrappers are available for customers at any branch. 

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