Fulton Bank is a full-service bank that strives for convenient banking. To find out if Fulton Bank is right for you, continue reading the review below.
At Fulton Bank, they aim to offer convenience within their 250 branches and 300 ATMs. They provide a full-service bank ranging from checking, savings and more.
The best part is that all their checking accounts are completely free to open if you open one at a physical branch.
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Checking Account Options
Fulton Bank has a wide variety of checking accounts suited for anyone. All of their checking accounts are free to open as long as you do it at a physical branch.
This is Fulton Bank’s standard checking account. If you open this account at a physical branch, then you won’t have to worry about an opening deposit.
There are also no monthly fees nor minimum balance requirements to worry about as well!
This checking account also includes:
- A no annual fee Relationship Rewards Visa® Debit Card
- Online and mobile banking
- Online Bill Pay
This is an interest bearing account and there is no opening deposit required.
However, to earn interest you have to keep at least a minimum of $1,000 in your account.
With this account, you will also receive:
- A no annual fee Relationship Rewards Visa® Debit Card
- Online and mobile banking
- Online Bill Pay
This account is designed for students 16-22 and is free to open at a branch.
This is an interest bearing account as well so students can watch their money grow.
There are also no monthly fees nor minimum daily balance requirements to worry about.
This account also comes with:
- 5 No-Fee transactions per statement cycle
- A no annual fee Relationship Rewards Visa® Debit Card
- Online and mobile banking
- Online Bill Pay
This account is designed for those who are 50+ and older and it earns tiered interest rates.
You will, however, need to deposit at least $1,000 in order to start earning interest.
Afterwards, there are no monthly fees nor minimum daily balance requirements, so, those who want to settle down won’t have to worry about excessive fees.
This account also comes with:
- Unlimited ATM transactions at non-Fulton Financial Corporation ATMs
- 5 No-Fee transactions per statement cycle
- A no annual fee Relationship Rewards Visa® Debit Card
- One order of specialty checks or 50% off personal checks
- A safe deposit box discount
- Online and mobile banking
- Online Bill Pay
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
Fulton Bank has a small selection of savings accounts, but they earn decent interest rates.
This is a simple savings account that allows you to earn competitive interest rates.
If you manage to keep $100 as a daily balance, then you can waive the monthly fee of $6.
You can also link your savings account with one of you Fulton Bank Checking accounts for overdraft protection.
This savings account is for students ages 22 or younger. It is designed specifically for college and exiting high school students.
There are no monthly fees nor minimum balance requirements to hassle with either.
You will also receive:
- An ATM Card
- 5 no-fee ATM transactions per statement cycle
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
Fulton Bank offers two money markets that earns decent interest rates.
Open this money market with a minimum deposit of $1,000.
You will also need to maintain a daily balance of $1,000 in order to earn interest and to waive the $10 monthly fee.
Open this money market with $10,000 and start earning tiered interest rates.
If you maintain a minimum daily balance of $10,000, you can waive the monthly fee of $25.
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.65%% APY balances $100,000 and over • Earn 3.60% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
CD Account Options
You can open a CD at Fulton Bank for a minimum deposit of $1,000.
Their CDs range from 3 months to 72 months.
If you want to find out Fulton Bank’s CD rates, click here.
Compare CD Accounts
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
Relationship Banking with Fulton Bank
Since all checking accounts at Fulton comes with a no annual Relationship Rewards Visa® Debit Card, customers can gain access into relationship banking when they start using their card.
You will need a minimum balance of $1,000 to earn interest through a relationship account.
There is also a monthly fee of $10, but you can waive it if you manage to keep a daily balance of $2,000.
To find out more about relationship banking and how it works, click here.
Reasons to Bank with Fulton Bank
- They have a good selection of checking accounts that can be opened for free at physical branches.
- Those who usually have high balances in their accounts would benefit with investing in Fulton Bank’s money markets.
- They offer a Relationship Banking and Relationship Rewards program.
- Gain Overdraft Protection when you link a Fulton savings account to a checking account.
- They have both a student checking and savings account directed towards exiting high school students and college students.
- They offer a senior citizen checking account completely free of charge that doesn’t require too much to earn interest on it.
- Use their 24/7 automated account information service line for account inquiries.
- Conduct all your banking online or through the Fulton Bank mobile app.
Reasons Not to Bank with Fulton Bank
- They are only available in 5 states: New Jersey, Maryland, Delaware, Virginia, and Pennsylvania.
- Their money market accounts require quite a high opening deposit.
- They earn decent interest rates on all their accounts, but you can probably find higher rates elsewhere.
Fulton Bank Routing Number
The routing number for Fulton Bank is 031301422.
Contact Customer Service
You can reach Fulton Bank at 1 (800)-385-8664. Their automated account information service is available 24/7.
A customer representative will be available to speak to you at these hours:
- Monday –Friday at 7:00 a.m. to 8:00 p.m. (EST)
- Saturday at 8:00 a.m. to 3:00 p.m. (EST)
- Sunday is closed
How Fulton Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Huntington Bank: Huntington offers a variety of account options to choose from. Right now, Huntington is offering bonuses when you sign up for select checking accounts, including business ones!
- United Community Bank: United Community offers very similar account options. They have both a youth and senior citizen checking and saving accounts. They also have exceptional customer service.
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
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Bottom Line
For a smaller bank, Fulton Bank offers a pretty fair selection of account options. They are convenient in the fact that those who live in the states that have a physical branch in their vicinity can easily open an account.
But, those who prefer to do their banking online will have to pay a fee of $25 to open any of their standard checking or savings accounts. It seems that Fulton Bank advertises itself to be a more intrapersonal bank.
They do, however, have a 24/7 automated service line to compensate.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with Fulton Bank, then check out Fulton Bank Promotions! For more options from a variety of banks, see our list of the best bank promotions!
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