Fulton Bank

Fulton Bank, N.A. offers business checking designed around the operating needs of companies: Commercial Analyzed Checking, Commercial Interest Checking and Commercial Hybrid Checking.

How the accounts differ The three accounts differ in how interest is paid and in the earnings credit mechanism, which is used to offset bank fees. Cash management is on the list of services alongside interest checking. The bank states that opening an account begins with a conversation with a relationship manager rather than an online application.

Registration and protection A FDIC certificate number, 7551, is disclosed. The bank states that it is a member of the FDIC; statutory coverage limits, ownership categories and eligibility apply, and the scheme is not the same as the safeguarding of an electronic money institution.

Who it suits The structure points at mid-sized commercial clients that keep balances at the bank and can use an earnings credit against service charges, or that prefer to earn interest on operating funds. Pricing is not given in the data, so fee schedules, minimum balances and credit rates should be requested from the relationship manager.