If I Could Give Zero Stars, I Would: Orrstown Bank Charges Absurd Fees and Treats Loyal Customers Like Trash. Since merging with Codorus Valley Bancorp (PeoplesBank) in July of 2024, Orrstown has lost every trace of its hometown values, what used to feel like a community bank now acts like a cold, profit-hungry corporation. Someone I know personally--who has been a loyal Orrstown Bank customer for over seven years with zero prior issues was recently slammed with $150 in charges for simply transferring money from a savings account to a checking account. That's $10 per transfer, all taken at once, without any warning, alert, or notice. Just gone. This wasn't reckless spending--this was money being moved to cover rent and other monthly expenses. And instead of acting with integrity, Orrstown chose to quietly drain the account. Their website claims they offer "the best value" and "strive to keep service fees low." That's false. These kinds of outdated, predatory policies don't reflect a bank that values people, they reflect one that profits from quietly punishing customers for using their accounts. The worst part? When the customer tried to resolve the issue, one branch acknowledged the possibility of a refund based on the account's perfect history--but said the request had to go through their home branch. Enter the New Holland, PA branch manager, who was not only completely dismissive, but actually refused to give his name, saying, "I won't tell you my name again because you're going to slander me online." That kind of behavior is beyond unprofessional--it's cowardly. It's what happens when a manager knows they're doing wrong and doesn't want to be held accountable. Let's be clear: this bank took $150 from a loyal customer with zero notice and refused to make it right. The attitude, the policy, and the refusal to offer even basic decency all point to a bank that does not care about the people who trust it. Orrstown Bank: you need to fix this. Reverse the fees. Hold your staff accountable. And if you're serious about customer service, stop letting managers act like gatekeepers instead of problem-solvers. To anyone considering Orrstown: don't do it. There are better banks out there, banks that won't treat you like a nuisance for asking to access your own money. read more

Ever since People's Bank in York County, Pa joined with Orrstown bank things have gone downhill. -If you get money from an atm WITHOUT a surcharge, Orrstown bank charges you $3 for each transaction. - If you get a refund for something they hold it as "pending" for days before actually adding it to your balance. You can see its in your account but you can't touch it. I am changing banks asap. Do not use this bank. read more

They sent me a letter dated August 18, 2025 saying next statement they will be applying a $12 dormat fee on my money market account. So that was 2 days before the statement period which was August 20, 2025. So they gave no warning and never new that was a thing. Not good business practices. read more

We are taking our money out of Orrstown Bank and closing every account. Peoples Bank was terrific. Orrstown Bank has the worst customer service I've experienced from any business for a long time. Do not recommend!!! read more

The recent Orrstown/Peoples Bank merger is a shining example of a financial institution that has a complete disregard for their customers. As an example, I use Quicken to track all of my financial information, and there has been no communication from Orrstown on the issues with relinking accounts. The customer service team members one connects with can provide no consistent, correct answers and the bank is now saying they *may* have a fix with Quicken by the 18th (the merger went live on the 12th). Since there had been no communication from Orrstown with instructions, I used the standard processes within Quicken to relink my accounts. That hasn't worked well at all. I am now left with having to deactivate my accounts and reactivate them, with the potential of having to sort through years of records to have them accurately reflect transactions and balances. This merger has been a complete customer service failure in that there are several examples of Orrstown's failure to communicate even the simplest of instructions, like "This will be the new URL you need to use when we reopen on Tuesday". I assumed they would at least publish those changes, but apparently, that was too much. The instructions in the booklet they published did not work (log in on the old URL, and you will be redirected). I had to Google the new URL, which is no big deal, but a simple, accurate communication from Orrstown would have been a nice touch. I also assumed they would pre-plan on potential issues with nationally recognized standard Financial Management Software like Quicken, which Orrstown customers widely use. But sadly, no, no preplanning happened. Their help files do not accurately represent nor speak to the information or screens presented online. And now there is complete silence from Orrstown. Maybe it is time for those involved to be removed from their positions, for the Board of Directors to look at who was responsible for overseeing this merger, and for that person or persons to resign. This merger should have never gone the way it has, and the continued customer service failures seem to indicate deeply rooted issues. Orrstown, you have again failed your customers through incompetent customer service, the inability to properly plan, and your complete failure to effectively communicate with your customers. Shame on you. This isn't the first issue I've had with Orrstown Customer Service, but I do hope it is the last. read more

Orrstown bank is absolutely terrible with customer service!! From not being able to find my account with my name from not helping me with a letter I needed to end the nightmare of banking with this bank!!! I had a Heloc with Oorstown which I paid off and needed to close and I did but then no one wanted to help me get documentation to state that the loan had been closed. I also had to pay a fee to have my house released as collateral from the loan that I new nothing about but they so politely informed me that it was in the 400 page disclosure that I should have read. Absolutely ridiculous and what made it better rewind to 4 years ago I started dealing with this bank for a business loan which the loan agent took so long to process that documents kept expiring while I kept telling him to process!! A huge Joke stay away from this bank!! read more

I have been a loyal customer of this bank for 18 years, through its time as People's Bank now under Orrstown Bank. Unfortunately, my recent experience has been extremely disappointing. Orrstown called me requesting a document and asked for it to be delivered within a week. Two days after the phone conversation, I received a letter, dated the same day as the phone conversation, stating, because of the missing document I "failed to maintain a productive relationship" and my accounts were going to be closed. I called the branch manager, asking her to clear up my confusion. She said I still had a week to provide the document. I was so frustrated!!! If all my accounts weren't Certificates of Deposit--and if I hadn't been told that early withdrawal penalties would still apply even though the bank was initiating the closures--I would have simply let them close everything and ended my relationship with Orrstown. After nearly two decades of a positive relationship, this abrupt and poorly handled communication left me feeling blindsided and undervalued as a long-standing customer. The transition from Peoples to Orrstown has not reflected the level of service, trust, or respect I had come to expect! read more

Their merging with Peoples and taking on some of Peoples core programs has been a nightmare. Having been a Peoples customer many years ago, at a different address, the 'merge' wiped out all of my current Orrstown info and overwrote it with the old Peoples. It took 4 days and 8 hours of phone time to get it to where it was somewhat functionable. "Customer service" would tell me one thing which would never come to fruition. The 4th person finally took initiative to 'fix' it. There are still things that need fine tuned. Peoples (letterhead but Orrstown address) and Orrstown both had the audacity to send me a letter thanking me for changing my address. I didn't change my address, Orrstown/Peoples did. Morons! Bill Pay. Went backwards. Can't schedule EHC payments before a 3 day window but they'll withdraw the money 2 days before the delivery date. Check payments, the memo line has been deleted. If you have an online issue, they're favorite answer is "delete your cookies and cache". Just wait awhile and access will be available without deleting cookies. I have moved my bill payments to a credit union and will be closing my account as soon as direct deposits are moved. Just an FYI, credit unions are buying up banks too. read more

My husband and I took out our first CD at the Greencastle branch. We were excited to get 4% for the first term. When it came time to renew we read our terms of agreement that said, and I quote "Automatic Renewal Certificates will renew automatically on the stated maturity date of term. Such renewal will be for a time period equal or similar to the original term and subject to these terms and conditions. Interest for that renewal term will be paid at the interest rate then in effect at this financial institution for similar accounts". So we looked at the current rate on line and saw that it was similar to the one we had. So we just let it automatically renew. We NEVER received any letter, call or email warning us that the rate was going to go down to 1% unless we went into the office. When we later called to talk with the bank manager concerning this, we found that the employee we had dealt with WAS the manager. She seemed to hide it. read more

This bank has really gone downhill since their merge in Nov. They failed to pay my homeowner's insurance through my escrow account for months and I nearly had my insurance cancelled on me because of them. Fast forward a few months and there are weird transactions on my mortgage from the bank's end and no one will tell me what they are. I have called and messaged them 7 or 8 times and am always told they don't know what's going on but someone will get back to me. Furthermore, they stopped giving me mortgage statements at the same time so I can't even use those to figure out what they are doing with my money. Do NOT get a mortgage with this bank! Whoever was in charge of this merger should be fired. read more

I have been a customer with Peoples Bank for many decades( NOW ORRSTOWN BANK ) .Please be very-- CAREFUL OF THIS BANK ,AS they move around Deposits and Withdrawals to accommodate themselves and ( NOT THE CUSTOMER ) . i DITTO THE SENTIMENTS OF THE "PREVIOUS -REVIEW CLIENT". Moreover, I tried to enter the branch in east York and it was closed at 4 pm. Orrstown Bank didn't give its customers any notice of this change. If you are a businessman or anyone who travels frequently, be cautious. If you are 1 minute late they will charge you exorbitant fees. I "could not" get into the brank and was charge 76.00 in overdraft fees. Then the next morning 2-5-25 , a New Teller gave me 300.00 cash when the available balance was only 293.74. However, on my end and his end it showed 311.00 balance. Read this: SCREEN SHOT YOUR BALNCE/ ONLINE BANKING. THEY ARE PLAYING W/ THE NUMBERS.So you see, the branch / bank makes errors and still( STICKS IT ) TO THE CUSTOMER. Needless to say, i HAD ANOTHER 38.00 IN overdraft fees. This was of course No Fault of my own. This bank has gone downhill fast, since the merger w/ People's Bank .. I speak from the heart & turn wrenches for a living. Be very careful, this bank doesn't have your back. Thank you for listening.. read more

Since Orrstown has been bought out in Oct 2024, everything has gone to pot. There online banking and mobile app looks like a 9 year old made it in the 90's. Missing information, and reset all my account names, and is not user friendly by any stretch of the effort. Used to be the bank I bragged about, it was wonderful, but again, big banks that buy out other banks don't care. Perfect opportunity for another bank to come in and take over the personnel banking world. Looking for a new bank, frustration is endless. read more

they fixed things. they were responsive and emailed me right away and adjusted things.

Worst bank I ever had, not nice people they charge overdraft. just as my money was coming in read more

I've been banking here since ~2005. Nice people, friendly. Always helpful. They don't try to hard sell you or upsell you, they just try to help. A nice, solid, old-school helping neighbors kind of bank. read more

My husband and I have been customers of Orrstown Bank since 1980. We have been, and continue to be, extremely pleased with the service, the care and the professionalism of all employees. We have borrowed money on several occasions and have more than one account at this institution. Recently, I lost our check book; the assistance I was given getting through this mess was greatly appreciated. We have also transferred all our retirement funds to Orrstown Bank, and we feel confident in their handling of our assets. Living in this rural area of the Cumberland Valley is enhanced when I walk into the bank and everyone greets me by name. read more

The lady was ditzy she dropped my 30.00 check and I had to run after it and she didn't even say sorry