Switch to Traditions Bank

* Earn $3,000

Offer is limited and subject to change or cancellation without notice. Cannot be combined with any other offers, promotions or discounts. Offer does not apply to existing ACNB Bank or Traditions Bank business checking account customers or those who closed a business checking account in the last 12 months. Trust and estate accounts, government entities and municipalities are not eligible. Documented evidence of existing sole proprietorship ownership will be required. Limit of one gift per entity for up to 3 entities with common ownership. Cash gift will be deposited in the new account after all requirements have been met and verified. Requirements: within 60 days of opening a new Free Business Checking Account (1) Establish and log into Online Banking and enroll in eDocuments; (2) Establish a Mastercard® debit card and complete 10 separate transactions (each transaction must be valued at $75 or more and made to a distinct payee). It may take more than two days for a transaction to post and clear; (3) maintain the minimum average monthly balance requirement for the 3 consecutive months following the first statement cycle. Cash Gift: Accounts maintaining $50,000 or more qualify for a $3,000 cash gift; accounts maintaining between $25,000 and $49,999 qualify for a $2,000 cash gift; accounts maintaining between $10,000 and $24,999 qualify for a $1,000 cash gift. Customer may be subject to 1099 INT reporting. Lender credit towards closing costs does not include consumer home equity loans and lines of credit. Additional restrictions may apply to Treasury, Wealth, and Mortgage benefits. Investments and Insurance products are NOT FDIC-insured • May lose value • Not Bank Guaranteed • Not insured by any Federal Government Entity. Offices Use Promo Code: Earn3000

† Pumpkin Spice Everything

Offer valid 09/08/26 through 11/30/26. Offer is limited and may be modified or discontinued without notice. Offer does not apply to existing ACNB Bank or Traditions Bank personal checking account customers/owners or those who closed a personal checking account within the last 12 months. Cash Gift: The cash gift is deposited after completing the following steps within the first 90 days of opening a new Advantage Rewards Plus, Advantage Rewards, or Basic Checking Account: • (1) Establish and log into Online Banking • (2) Enroll in eDocuments • (3) Establish a Mastercard® debit card and conduct 10 unique transactions per statement cycle. Each transaction must be valued at $20 or more, unique, and made to a different payee. It may take more than two days for a transaction to post and clear. ATM transactions, cash advances, returns, credits, and person-to-person payment transactions do not qualify. • (4) Maintain a minimum average monthly balance of $2,500 for three full consecutive statement cycles following account opening. • (5) Establish recurring monthly direct deposits limited to payroll, Social Security, or qualified retirement plan distributions. Earn $200 when you establish direct deposit totaling $2,000 per month; earn $400 when you establish direct deposits of $4,000; earn $600 when you establish direct deposits of $6,000 or more. Monthly direct deposit qualifications will be reviewed for three consecutive statement cycles. Cash gift will be deposited in the new account after requirements have been verified. Customer may be subject to 1099 INT reporting. Limit one gift per account and per household address. Employees are not eligible. Account must remain open and in good standing through the date the cash gift is credited. ACNB Bank reserves the right to disqualify customers who engage in fraud, abuse, or other activity inconsistent with the intent of the promotion. MEMBER FDIC Promo code: HARVEST26 

** HOME EQUITY INSTALLMENT FIXED-RATE LOAN 10 YEARS (HEIL) 

APR = Annual Percentage Rate. Effective 09/8/2026 – 11/30/2026. Offer and effective dates are subject to change without notice. Promotional rates are based on the applicant's creditworthiness. All loans and rates are subject to credit approval and standard underwriting criteria. Property must be located within ACNB Bank's approved service area. Contact ACNB Bank for eligible counties and markets. The loan must be secured by the borrower's owner-occupied principal residence. A minimum of $10,000 in new money is required. Payoffs of existing debt with ACNB Bank are not considered new money. The minimum loan amount is $10,000. Promotional Relationship Rate - A promotional APR of 6.25% is available for loans with a loan-to-value (LTV) of up to 80%. For loans with an LTV greater than 80% and up to 90%, the applicable APR will increase by 0.50%. To qualify for the promotional relationship rate and promotional fee waivers, the applicant must: Have or open an ACNB Bank checking or statement savings account; Establish at least one recurring direct deposit of $500 or more limited to payroll, Social Security, qualified retirement plan distributions, or other government benefits into the qualifying account at least four business days prior to closing; Have the loan payment automatically debited from the qualifying ACNB Bank account. With an APR of 6.25%, the monthly loan payment is $112.29 for each $10,000 borrowed for a term of 120 months. Promotional Fee Waivers and Credits - For applicants meeting the promotional relationship requirements above, ACNB Bank will pay or waive the following fees, as applicable: Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR), Mortgage Recording Fee, Wire Transfer Fee, if funds are disbursed by wire, Up to $5,000 in Maryland recordation taxes for properties located in Maryland. If ACNB Bank is unable to determine the property's value using an Automated Valuation Model (AVM) and Property Condition Report (PCR), an appraisal may be required. Eligible borrowers will also receive a lender credit of $100 toward appraisal costs. Advantage Rewards and Advantage Rewards Plus checking customers will receive a lender credit of $200 toward appraisal costs instead of the $100 lender credit. Appraisal credits may not be combined. Title insurance is required for loan amounts over $400,000. When required, title insurance is the applicant's responsibility and is not included in the promotional fee waiver. Reimbursement of Bank-Paid Closing Costs - If the loan is paid off within 36 months of closing, the borrower will be required to reimburse ACNB Bank for applicable closing costs paid or waived by the Bank in connection with the loan, subject to applicable law. Non-Relationship Promotional Rate - A promotional APR of 6.45% is available to qualifying applicants who do not meet the relationship requirements above when the loan is secured by the borrower's owner-occupied principal residence and the LTV is 80% or less. For loans with an LTV greater than 80% and up to 90%, the applicable APR will increase by 0.50%. Other rates and terms are available. Member FDIC. Equal Housing Lender.

†† 5 YEAR LOCK - HOME EQUITY LINE OF CREDIT 

APR = Annual Percentage Rate. Effective 09/8/2026 – 11/30/2026. Offer and effective dates are subject to change without notice. Promotional rates are based on the applicant's creditworthiness. All loans and rates are subject to credit approval and standard underwriting criteria. Property must be located within ACNB Bank's approved service area. Contact ACNB Bank for eligible counties and markets. Property insurance is required. A minimum of $10,000 in new money is required. Payoffs of existing debt with ACNB Bank are not considered new money. The minimum loan amount is $10,000. Promotional Rate - For lines of credit with a loan-to-value (LTV) of up to 80%, the promotional rate structure is: First 12 months: 5.99% APR, Following 48 months: 7.75% APR, Thereafter: Variable APR based upon The Wall Street Journal Prime Rate plus 0.74%. For lines of credit with an LTV greater than 80% and up to 90%, the APR will increase by 0.50% during each rate period. 

Accordingly, for LTVs greater than 80% and up to 90%: First 12 months: 6.49% APR, Following 48 months: 8.25% APR, Thereafter: Variable APR based upon The Wall Street Journal Prime Rate plus 1.24%. As of December 11, 2025, The Wall Street Journal Prime Rate was 6.75 %, resulting in a variable APR of 7.49% for LTVs up to 80% and 7.99% for LTVs greater than 80% and up to 90%. The maximum APR is 18.00%. 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 outstanding on your line at the end of the term. If the minimum payments are not sufficient to repay the outstanding principal, you will be required to pay the remaining outstanding balance amortized over 120 months. For non-Maryland properties, 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. Promotional Fee Waivers - To qualify for the promotional fee waivers, the applicant must: Have or open an ACNB Bank checking or statement savings account; and Establish at least one recurring direct deposit of $500 or more limited to payroll, Social Security, qualified retirement plan distributions, or other government benefits into the qualifying account at least four business days prior to closing; For applicants meeting these requirements, ACNB Bank will pay or waive the following fees, as applicable: Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR), Mortgage Recording Fee, Wire Transfer Fee, if applicable, Up to $5,000 in Maryland recordation taxes for properties located in Maryland. Appraisal Costs - 
If ACNB Bank is unable to determine the property's value using an Automated Valuation Model (AVM) and Property Condition Report (PCR), an appraisal may be required. Eligible borrowers will receive a lender credit of $100 toward appraisal costs. Advantage Rewards and Advantage Rewards Plus checking customers will receive a lender credit of $200 toward appraisal costs instead of the $100 lender credit. Appraisal credits may not be combined. Title Insurance - Title insurance is required for line amounts over $400,000. When required, title insurance is the applicant's responsibility and is not included in the promotional fee waiver. Reimbursement of Bank-Paid Closing Costs - 
If the line of credit is paid off and closed within 36 months of opening, the borrower will be required to reimburse ACNB Bank for applicable closing costs paid or waived by the Bank in connection with the line of credit, subject to applicable law. Other rates and terms are available. Member FDIC. Equal Housing Lender.

††† 13-Month CD Special

Member FDIC. All interest rates and Annual Percentage Yields (APYs) are accurate as of October 14, 2026. The APYs assume that all interest will remain on deposit until maturity. Investments in the 13-month CD/IRA Specials are limited to a total of $1,000,000 per person/entity. $5,000 new money is required to open. New money is defined as not on deposit at ACNB Bank or Traditions Bank, A Division of ACNB Bank. Matures to 12-month CD at that given rate. There is a penalty for early withdrawal. CD specials may be modified or discontinued without notice.

*** 8-Month CD Special

Member FDIC. All interest rates and Annual Percentage Yields (APYs) are accurate as of September 18, 2025.The APYs assume that all interest will remain on deposit until maturity. Investments in the 8 Month CD/IRA Specials are limited to a combined total of $1,000,000. $5,000 new money is required to open. New money is defined as not being on deposit at ACNB Bank or Traditions Bank, A Division of ACNB Bank. Minimum balance permitted and the $5,000 new money requirement to receive promo rate are for new customers or existing customers who establish or maintain a checking account relationship with $500 or more in reoccurring direct deposit limited to Social Security, pension or payroll. Companies/businesses that cannot meet the direct deposit requirement are eligible if all other conditions are met. This offer is limited to customers residing or eligible business entities with operations within the ACNB servicing area. Government units and municipal funds are not eligible for this promotion. There is a penalty for early withdrawal. CD specials may be modified or discontinued without notice.