Finding a reliable place to park your money shouldn't feel like a scavenger hunt. Yet, if you're looking for Fulton Bank NJ locations, you might notice things are changing faster than a beachfront property in Asbury Park.
Some folks think Fulton is just a tiny Pennsylvania operation that strayed across the Delaware River. Honestly? That's not even close. With the recent 2024 acquisition of Republic Bank and the upcoming merger with Blue Foundry Bancorp, Fulton has basically become a powerhouse in the Garden State.
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Where exactly are they?
If you're driving through South Jersey, you can't miss them. They are everywhere in places like Cherry Hill, Mt. Laurel, and Voorhees. But the footprint is stretching way further north now.
You’ll find clusters of branches in:
- Warren County: Locations in Hackettstown (right on High Street) and Washington.
- Gloucester and Camden Counties: This is their traditional NJ heartland. Think Bellmawr, Sicklerville, and Logan Township.
- The Shore: They have a solid presence in Barnegat and surrounding Ocean County spots.
- The "New" North: Thanks to the Blue Foundry deal, you're seeing way more activity in Bergen and Morris counties.
It’s kinda interesting because while many big-box banks are closing lobbies to save a buck, Fulton is actually doubling down on physical "Financial Centers."
The Republic Bank Factor
Let’s talk about the elephant in the room. In mid-2024, Fulton took over the failed Republic Bank. If you were a Republic customer, your local branch probably stayed in the same spot, but the sign on the door changed. This added a ton of density to their NJ network, especially in the Philly suburbs and South Jersey.
A lot of people got worried during that transition. Transitions are messy. Systems break. Logins stop working. But if you’re looking for a branch today, those former Republic spots are fully integrated.
Why the location actually matters (It’s not just the ATM)
You might think, "I do everything on my phone, why do I care where the branch is?"
Here’s the thing. Fulton operates like a community bank but has the muscle of a $30 billion institution. If you’re a small business owner in, say, Florham Park or Rockaway, having a local NJ manager who actually knows the local economy is a game-changer.
They offer some specific "in-person" perks that are hard to find elsewhere:
- Foreign Currency: You can actually order Euros or Pesos at the branch. You don't have to deal with those rip-off kiosks at Newark Liberty.
- ASL Services: In 2025, they rolled out a pretty cool partnership with 360 Direct Access. If you’re deaf or hard of hearing, you can walk into a branch, scan a QR code, and get a live American Sign Language interpreter on your phone to talk to the teller.
- Medallion Signature Guarantees: Try getting one of those from an online-only bank. Good luck. You need a physical human in a physical building for that.
Common Misconceptions
Most people assume every Fulton branch has the same hours. They don't.
Some locations, like the one in Hackettstown, have drive-thrus that open earlier than the lobby. Others are "drive-up only" models, which can be super annoying if you show up expecting to sit down with a loan officer. Always check the specific "Financial Center" page on their site before you make the trek.
Also, don't confuse "Fulton Bank" with "Fulton Financial Advisors." The advisors often sit in separate offices, like the one in Mt. Laurel on Fellowship Road. If you show up to a standard retail branch in Barnegat asking for complex wealth management, they’ll likely just put you on the phone with someone at headquarters in Lancaster.
Real Talk: The Reviews
Look, if you check WalletHub or the BBB, you'll see some grumpy people. Most of the 1-star reviews come from two things: overdraft fees and the Republic Bank merger headache.
Is Fulton perfect? No. Some customers have complained that transfers take longer than at TD Bank. One guy even joked he could see pictures from Mars faster than his money moved. But for every person complaining about a fee, you find a local regular who swears the tellers in Netcong or Madison are the only reason they haven't switched to a giant corporate bank.
Moving Forward with Your Banking
If you're ready to actually visit one of these spots or move your accounts, don't just wing it.
First, use the official Fulton "Find a Location" tool rather than just relying on an old Google Maps pin. With the recent mergers, some older branches have been consolidated or moved across the street.
Second, if you're a business owner, call ahead. Don't just walk in. Ask for the "Commercial Relationship Manager" for that specific New Jersey region. They usually have more leeway on rates and fees than a standard teller.
Lastly, check if the location is a "Full Service" branch or a "Limited Service" one. Some of the newer NJ spots are leaning heavily into "Smart ATMs" that handle deposits, meaning there might not be a human behind a glass window 24/7.
Actionable Insight: Before visiting, download the Fulton mobile app. You can actually see real-time "Lobby Wait Times" for many of the larger New Jersey financial centers, which saves you from sitting in a plastic chair for 45 minutes on a Friday afternoon.