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ACNB Bank Review

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We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone. | Advertiser Disclosure
We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone. | Advertiser Disclosure
ACNB Bank Savings
0.05% APY

Overview

Our Rating: 4.1/5 How we calculated this rating

ACNB Bank started in 1857 with headquarters in Gettysburg, Pennsylvania. ACNB Bank manages assets totaling $2 billion and deposits totaling $1 billion, classifying it as a large bank. ACNB Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. At a SmartAsset rating of 4.1 out of 5 stars, ACNB Bank should be solidly in contention for your choice of bank. 

ACNB Bank offers a full choice of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, the bank's standard checking does not have a monthly fee. Keeping accounts in the same place can be perfect when you want to get the most return on your money while keeping easy control over your money.

Service Quality

ACNB Bank is a brick-and-mortar bank, with 29 total bank locations in Maryland and Pennsylvania. With mobile and web apps, ACNB Bank makes account access convenient, even on the go. It does not have all-day customer service with actual service representatives. You can get help during its hours, which are Monday through Wednesday, 8:00 a.m. to 5:00 p.m. ET; Thursday and Friday, 8:00 a.m. to 6:00 p.m. ET; Saturday, 8:00 a.m. to 1:00 p.m. ET. 

ACNB Bank's online and mobile banking services receive mediocre scores from users: the ACNB Bank mobile app rates a 2.9 out of 5 (out of 38 ratings on Apple and Android) compared to the national average of 3.8. ACNB Bank's mobile app allows you to manage your funds by reviewing monthly statements, transferring money and reaching support representatives. ACNB Bank receives a superb consumer satisfaction score due to relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector. 

Products Offered

Product Current Terms and Rates Minimum Balance for APY  
Savings Accounts 0.05% APY $100 Compare Offers
Certificates of Deposit
  • 12 Month: 0.20% APY
  • 24 Month: 0.35% APY
  • 36 Month: 0.45% APY
  • 48 Month: 0.65% APY
  • 60 Month: 0.85% APY
$500 for all tiers Compare Offers
Money Market Accounts 10K tier: 0.20% APY $1,000 Compare Offers
Checking Accounts 0.05% APY $1,000 Compare Offers

ACNB Bank has several deposit products which include savings accounts, checking accounts, money market accounts and CDs, giving you many options to manage your money. It does not have the best savings rate, which means you should consider looking elsewhere for banks that offer more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. ACNB Bank's CD rates are fair compared to the average U.S. bank. 

Rates

ACNB Bank has a savings rate of 0.10%, which is fair in comparison to the average U.S. bank. ACNB Bank's one-year CD earns at a rate of 0.60% and the five-year CD earns at a rate of 1.55%, while its highest-yielding money market account has a rate of 0.10%. Given its poor savings rate, you should consider looking elsewhere to open savings accounts.

Compare ACNB Bank to Other Competitive Offers

Fees

ACNB Bank has typically extremely low fees compared to other U.S. banks. With no monthly fee, ACNB Bank is ideal for people who want a basic checking account. 

Financial Health

ACNB Bank is a large bank owning $2 billion in assets and $1 billion in deposits. Its Texas Ratio is 5.28%, suggesting a small likelihood of failure. Additionally, ACNB Bank is FDIC-insured, meaning that your money is insured (up to $250,000) even in the event of bank failure.

Find an ACNB Bank Near Me

ACNB Bank has 29 physical branches across the U.S.

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