Looking for the best deal?

We have some special offers that might be just right for you.

Piggy Bank

$200 From Us To You!

When you establish direct deposit, use online banking, enroll in eStatements and and use your Mastercard® debit card with your new CareFree checking account.1

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Refer Your Friends & Family!

Receive $25 for each qualified referral that opens a new ACNB Bank personal checking account up to $200.2

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5 Year Lock Home Equity Line of Credit

Our 5 Year Lock Home Equity Line of Credit is a smart, flexible and affordable way to use your home's equity to pay for the important things in your life.3 

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15 Year Home Equity Installment Loan

Looking for another lending option? Use this loan to make home improvements, consolidate debt, pay for education or refinance your mortgage.4

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Save for the future with special CDs.

  Minimum to Open Interest Rate Annual Percentage Yield (APY) Balance to Earn APY Compound Method
Specials          
15-Month CD* $1,000.00 1.145% 1.15% $1,000.00 Monthly
15-Month IRA CD* $1,000.00 1.145% 1.15% $1,000.00 Quarterly
24-Month CD** $1,000.00 1.49% 1.50% $1,000.00 Monthly
24-Month IRA CD** $1,000.00 1.49% 1.50% $1,000.00 Quarterly
60-Month CD** $1,000.00 1.59% 1.60% $1,000.00 Monthly
60-Month IRA CD** $1,000.00 1.59% 1.60% $1,000.00 Quarterly
13-Month CD*** $1,000.00 0.90% 0.90% $1,000.00 Monthly
13-Month IRA CD*** $1,000.00 0.90% 0.90% $1,000.00 Quarterly
33-Month Step Up CD**** $1,000.00 1.245% 1.25% $1,000.00 Monthly
33-Month Step Up IRA CD**** $1,000.00 1.245% 1.25% $1,000.00 Quarterly

All interest rates and APYs are effective as of October 20, 2017. The APYs assume that all interest will remain on deposit until maturity. There is a penalty for early withdrawal. Fees may reduce earnings. CD specials may be modified or discontinued without notice.

*15-Month: The minimum deposit is $1,000.00 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000.00 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. Must be new money. 

**24-Month and 60-Month: The minimum deposit is $1,000.00 per depositor for regular CDs and $1,000.00 per depositor for IRA CDs. The maximum deposit is $250,000.00 per depositor for a regular CD and IRA CD. There is a penalty for early withdrawal. 

***13-Month: The maximum deposit is $1,000,000 per depositor for regular CDs and $1,000,000 per depositor for IRA CDs. There is a penalty for early withdrawal.  

****33-Month Step Up: The depositor may request one rate adjustment during the initial term of this automatically renewable account. The new rate is equal to the rate for the 36-Month CD in place at the time. The maximum deposit is $1,000,000 per depositor for regular CDs and $1,000,000 per depositor for IRA CDs. 

1Offer valid September 5, 2017 through November 3, 2017, but is subject to change without notice. This offer cannot be combined with any ongoing offers, promotions or discounts. $200 Cash Gift: Offer does not apply to existing ACNB Bank personal checking account customers. The first $100 gift is deposited after completing the following steps within the first 60 days of opening a new CareFree Checking account: (1) Establish a recurring direct deposit of at least $250 or more. This is limited to Social Security, pension or payroll. (2) Establish and log into Online Banking. (3) Enroll in eStatements.  (4) Establish a Mastercard® debit card and conduct 10 unique, Non-PIN based transactions. It may take more than two days for a transaction to post and clear. A $100 early closure fee will apply if the account is closed within the first 120 days of account opening. The second $100 is deposited at the year anniversary of the account as long as the account is active, meaning at least one transaction per month, has a positive average monthly balance, receives eStatements, and maintains a qualifying direct deposit. Limit of one $200 gift per account and per household/address. Gift will be deposited in the new account after steps have been verified. Customer may be subject to 1099 MISC reporting. CareFree Checking: No minimum deposit to open account. No minimum balance requirements. No monthly account maintenance fees. Other fees may apply such as overdraft, stop payment or ATM fees. See fee schedule.

2Offer valid September 5, 2017 through November 3, 2017, but is subject to change without notice. This offer cannot be combined with any ongoing offers, promotions or discounts. *$25 Refer-A-Friend Program: To qualify for the $25 gift, the referred individual must not currently have an ACNB Bank personal checking account. Limit of $200 (eight $25 gifts) per referring customer as long as the referring customer’s account is active and in good standing at the time of the referral. Each $25 gift may be subject to IRS Form 1099 Reporting.  $200 Cash Gift: Offer does not apply to existing ACNB Bank personal checking account customers. The first $100 gift is deposited after completing the following steps within the first 60 days of opening a new CareFree Checking account: (1) Establish a recurring direct deposit of at least $250 or more. This is limited to Social Security, pension or payroll. (2) Establish and log into Online Banking. (3) Enroll in eStatements.  (4) Establish a Mastercard® debit card and conduct 10 unique, Non-PIN based transactions. It may take more than two days for a transaction to post and clear. A $100 early closure fee will apply if the account is closed within the first 120 days of account opening. The second $100 is deposited at the year anniversary of the account as long as the account is active, meaning at least one transaction per month, has a positive average monthly balance, receives eStatements, and maintains a qualifying direct deposit. Limit of one $200 gift per account and per household/address. Gift will be deposited in the new account after steps have been verified. Customer may be subject to 1099 MISC reporting. CareFree Checking: No minimum deposit to open account. No minimum balance requirements. No monthly account maintenance fees. Other fees may apply such as overdraft, stop payment or ATM fees. See fee schedule.
 

3Offer valid September 5, 2017 through November 3, 2017, but is subject to change without notice. Standard underwriting criteria apply. Property must be located in the Bank’s service area. At the Bank’s discretion, interest rates may change at any time without notice. The APR is fixed for the first 60 months, and then converts to a variable rate. As of October 2, 2017, the variable APR is based upon The Wall Street Journal Prime Rate plus .24% was 4.49%. The maximum APR is 18.00%. APR based upon line of credit up to 90% loan-to-value. The interest rate for your line is based upon your creditworthiness. Property insurance is required. The payment must be automatically deducted from an ACNB Bank checking or statement savings account. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. If they are not, you will be required to pay the entire outstanding balance in a single payment. The prepayment penalty for home equity lines of credit terminated in the first 36 months is 2% of the credit limit or $350, whichever is less. Subject to appraisal requirements. If we are unable to determine the property value with an Automated Valuation Model (AVM) and Property Condition Report (PCR), the Bank may be required to order an appraisal. The cost of the appraisal will be the applicant’s responsibility. If the line request is over $250,000, title Insurance will be required and the fee will be the applicant’s responsibility. In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower. Other rates and terms are available.

4Offer valid September 5, 2017, through November 3, 2017, but may be modified or discontinued without notice. Standard underwriting criteria apply. Property must be located in the Bank’s service area. The annual percentage rate is accurate, as of 10/02/17. The payment must be automatically deducted from an ACNB Bank checking or statement savings account. The interest rate for your loan is based upon your creditworthiness. The loan amount is up to 90% loan-to-value. Property insurance is required. *In the first 12 months of the loan, if you prepay principal in the amount of $5,000 or more, the Bank will not waive the original settlement costs. With an APR of 4.49%, the monthly loan payment is $7.64 for $1,000 borrowed for a term of 180 months. Payment does not include taxes and insurance; actual payment obligation will be greater. If we are unable to determine the property value with an Automated Valuation Model (AVM) and Property Condition Report (PCR), the Bank may be required to order an appraisal. The cost of the appraisal will be the applicant’s responsibility. In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower. Other rates and terms are available.

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