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5 Ways To Get 24-Hour Customer Service From Fulton Bank: Your Ultimate Contact Guide

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Finding true 24-hour customer service at a regional bank can be a challenge, and Fulton Bank is no exception. As of December 21, 2025, while the general customer service line—known as the Direct Banking Center—does not operate 24/7, Fulton Bank provides several critical channels that *do* offer round-the-clock support for specific, urgent needs, such as reporting a lost or stolen card or accessing account balances via automated systems.

This comprehensive guide cuts through the confusion, providing you with the most current and accurate contact information for Fulton Bank’s customer support. You'll learn exactly when a live representative is available, which services offer 24/7 assistance, and the essential phone numbers for everything from general inquiries to specialized support like Merchant Services and Credit Card assistance.

Fulton Bank Customer Service Hours and Key Contact Numbers (2025 Update)

Understanding the difference between general support hours and dedicated 24/7 lines is crucial for a smooth customer experience. Fulton Bank structures its support to ensure that critical, time-sensitive issues are always addressed, even when the main Direct Banking Center is closed.

Direct Banking Center (General Inquiries)

For most day-to-day banking needs, including account inquiries, transfers, and general assistance, you will need to contact the Direct Banking Center. This team of representatives is available during specific operational hours:

  • Phone Number: 1.800.FULTON.4 (1.800.385.8664)
  • Monday through Friday: 7:00 a.m. to 8:00 p.m. (EST)
  • Saturdays: 8:00 a.m. to 3:00 p.m. (EST)
  • Sundays and Holidays: Closed (Live Representative)

When you call this number, you will be guided through new authentication questions to access your account balance and activity.

The 5 True 24/7 Customer Service Channels at Fulton Bank

While the general inquiry line has limited hours, Fulton Bank ensures that certain critical services remain accessible 24 hours a day, 7 days a week. This is where the bank truly offers around-the-clock support.

1. Lost or Stolen Debit/Credit Cards

The most common need for 24-hour service is an emergency related to your cards. Fulton Bank provides a dedicated line to immediately report a lost or stolen card, which is essential for preventing unauthorized transactions and fraud.

  • Lost or Stolen Card Phone Number: 1.866.794.2137
  • Availability: 24 Hours a Day, 7 Days a Week
  • Service Provided: Customer support will help close your card, order a new one, and initiate the dispute process if necessary.

2. Fulton Bank Merchant Services Support

For business customers utilizing Fulton Bank’s Merchant Services, a dedicated support team is available 24/7. This is vital for businesses that operate outside of standard banking hours and need immediate assistance with payment processing equipment or transaction issues.

  • Merchant Services Customer Support Team: 1.888.849.6012
  • Availability: 24 Hours a Day, 7 Days a Week, 365 Days a Year
  • Service Provided: Assistance with payment terminals, processing, and proactive fraud monitoring.

3. Bank-by-Phone (Automated Account Access)

Fulton Bank’s Bank-by-Phone service offers 24-hour access to automated account information, which can often resolve simple needs without needing to speak to a representative. This is a powerful self-service tool for basic inquiries.

  • Phone Number: 1.800.FULTON.4 (1.800.385.8664)
  • Availability: 24-Hour Access
  • Service Provided: Check account balance, review account activity, and perform transfers.

4. Online and Mobile Banking

For managing your accounts, making payments, and checking balances, the Personal Mobile and Online Banking portals are available 24/7. This digital access point allows you to handle a vast majority of your banking needs anytime, anywhere.

  • Availability: 24/7
  • Access: Laptop or mobile device
  • Features: Account management, bill pay, transfers, and Debit Card Controls (like turning your card on or off).

While you can't speak to a live representative through the app at 3 AM, the tools provided offer a high degree of control and information access around the clock.

5. Reporting Fraudulent Activity

Although the main Direct Banking Center has set hours, reporting a potential fraud or security issue is always a high priority. While the official advice is to call the 1.800.FULTON.4 number, the nature of fraud reporting often involves an immediate response mechanism, which may include options to speak to a specialist or be directed to a 24-hour fraud department through the automated system.

  • Initial Contact: 1.800.FULTON.4 (1.800.385.8664)
  • Urgency: For immediate security concerns, follow the prompts carefully, as these often lead to specialized, extended-hour support teams.

Alternative Fulton Bank Contact Methods and Entities

Fulton Bank offers several additional ways to connect with them for non-urgent matters, ensuring you can reach the right department without waiting on hold during peak hours.

Financial Center (Branch) Visits

For in-person support, opening a new account, or complex financial discussions, visiting a physical Financial Center is the best option. You can use the bank's website to find the specific lobby and drive-thru hours for your local branch, as these hours can vary by location and operating model.

Other Key Entities and Phone Numbers

To ensure you reach the correct support entity quickly, use these specialized numbers:

  • Credit Card Services: For general credit card inquiries (outside of lost/stolen reports), use the number on the back of your card or the main Direct Banking Center.
  • Debit Card Controls Assistance: For help setting up or managing alerts and controls on your debit card, call 800.FULTON.4.
  • Business Banking: While Merchant Services is 24/7, general Business Customers should use the main Direct Banking Center number during their operating hours.
  • Fulton Financial Corporation: The parent company overseeing the bank's operations.

In summary, while the dream of a live, general-purpose representative at Fulton Bank at 3 AM remains a limited reality, the bank has strategically implemented 24-hour access for the most critical banking functions—fraud, card loss, and business operations—through dedicated phone lines and robust digital tools.

5 Ways to Get 24-Hour Customer Service from Fulton Bank: Your Ultimate Contact Guide
fulton bank 24 hour customer service
fulton bank 24 hour customer service

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