US Bank Directory
Banks in Waynesboro, PA
4 FDIC-insured banks operate 5 offices in Waynesboro, Pennsylvania, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Waynesboro
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 5 banks and credit unions operate 6 locations in Waynesboro, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Waynesboro
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: M&T Bank has the most locations in Waynesboro, with 2. The other 3 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
M&T Bank Bank · 2
M&T Bank has 2 branches in Waynesboro, 151 across Pennsylvania and 960 nationwide. FDIC records list its main office in Buffalo, NY and show it operating since 1856. With $218.79 billion in total assets on June 30, 2026, it ranks No. 21 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waynesboro location is the Waynesboro Center Square Branch at 13 W Main St, dating to 1920; the newest, at 1501 E Main St, to 2000. None of its 2 Waynesboro locations with published hours lists Saturday hours.
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Waynesboro Center Square Branch13 W Main St, 17268
All hours
Mon closed; Tue to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
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East Main Street Drive-Up Branch1501 E Main St, 17268
All hours
Mon to Sun closed
Hours: M&T Bank branch locator (All The Places), checked Oct 10, 2026
Farmers and Merchants Trust Company of Chambersburg Bank · 1
Farmers and Merchants Trust Company of Chambersburg has 1 branch in Waynesboro, 24 across Pennsylvania and 25 nationwide. FDIC records list its main office in Chambersburg, PA and show it operating since 1906. With $2.34 billion in total assets on June 30, 2026, it ranks No. 534 of 4,232 U.S. banks by total assets. The Waynesboro Branch at 200 E Main St dates to 1910 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Waynesboro Branch200 E Main St, 17268
Middletown Valley Bank Bank · 1
Middletown Valley Bank has 1 branch in Waynesboro, 1 across Pennsylvania and 8 nationwide. FDIC records list its main office in Middletown, MD and show it operating since 1908. With $1.19 billion in total assets on June 30, 2026, it ranks No. 900 of 4,232 U.S. banks by total assets. The Waynesboro Branch Office at 11337 Buchanan Trl E dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Waynesboro Branch Office11337 Buchanan Trl E, 17268
Patriot Credit Union Credit union · 1
Patriot Credit Union has 1 office in Waynesboro, 9 across Pennsylvania. It is based in Chambersburg, PA and $1.33 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Waynesboro Financial Services Center10933 Buchanan Trl E, 17268
All hours
Mon to Thu 8:30 am to 4:30 pm; Fri 8:30 am to 7 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Truist Bank · 1
Truist has 1 branch in Waynesboro, 138 across Pennsylvania and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Waynesboro Center Square Branch at 232 E Main St dates to 2016 in FDIC branch records. It opens on Saturday.
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Waynesboro Center Square Branch232 E Main St, 17268
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Waynesboro
1 credit union has 1 office here: Patriot Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Waynesboro page has every office in the state's directory.
Banking in Waynesboro: the local picture
Short answer: 4 banks run 5 branches in Waynesboro according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 4 banks, 0 have their main office in Waynesboro, 1 elsewhere in Pennsylvania and 3 out of state, according to the FDIC.
The bank with the longest record here is M&T Bank, operating since 1856 according to the FDIC. In FDIC branch records, the longest-running branch is Farmers and Merchants Trust Company of Chambersburg's office at 200 E Main St, dating to 1910; the newest is Middletown Valley Bank's at 11337 Buchanan Trl E, from 2021.
The only credit union with an office here is Patriot Credit Union.
Of the 4 locations with published hours. 2 open on Saturday. 2 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Waynesboro
Short answer: 2 of the 4 Waynesboro locations with published hours open on Saturday, run by 2 institutions.
- Truist: 1 of 1 branch (232 E Main St: Saturday 9 am to 12 pm)
- Patriot Credit Union: 1 of 1 office (10933 Buchanan Trl E: Saturday 8:30 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 6 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Waynesboro, and where the nearest one is if they do not.
Short answer: In Waynesboro: Truist (1). No branches in Waynesboro: Chase (nearest in Mechanicsburg, 46 mi), Wells Fargo (nearest in Hanover, 30 mi), Bank of America (nearest in Kennett Square, 100 mi), PNC Bank (nearest in Gettysburg, 18 mi), U.S. Bank, Fifth Third Bank, Huntington (nearest in Jeannette, 116 mi), Regions Bank, TD Bank (nearest in Downingtown, 98 mi), BMO.
| Bank | In Waynesboro | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Mechanicsburg, 46 miles away |
| Wells Fargo | None | Hanover, 30 miles away |
| Bank of America | None | Kennett Square, 100 miles away |
| PNC Bank | None | Gettysburg, 18 miles away |
| U.S. Bank | None | none in Pennsylvania |
| Fifth Third Bank | None | none in Pennsylvania |
| Huntington | None | Jeannette, 116 miles away |
| Regions Bank | None | none in Pennsylvania |
| TD Bank | None | Downingtown, 98 miles away |
| BMO | None | none in Pennsylvania |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Waynesboro to the nearest branch in Pennsylvania.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Waynesboro residents like anyone else.
Banks near Waynesboro
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Mont Alto (7 miles) and Greencastle (9 miles). Chambersburg, 14 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Mont Alto, PA | 7 mi | 2 | 2 |
| Banks in Greencastle, PA | 9 mi | 4 | 4 |
| Banks in Chambersburg, PA | 14 mi | 6 | 18 |
| Banks in Gettysburg, PA | 19 mi | 3 | 7 |
| Banks in Mercersburg, PA | 19 mi | 4 | 4 |
| Banks in Shippensburg, PA | 21 mi | 4 | 6 |
| Banks in Littlestown, PA | 25 mi | 2 | 2 |
| Banks in New Oxford, PA | 29 mi | 2 | 2 |
Bank branch openings and closings in Waynesboro
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waynesboro between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Waynesboro by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waynesboro offices.
Short answer: Truist is the largest bank with offices in Waynesboro, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. M&T Bank is second with $218.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| M&T Bank | $218.79 billion | No. 21 | 2 | Buffalo, NY |
| Farmers and Merchants Trust Company of Chambersburg | $2.34 billion | No. 534 | 1 | Chambersburg, PA |
| Middletown Valley Bank | $1.19 billion | No. 900 | 1 | Middletown, MD |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Waynesboro: FAQ
How many banks are in Waynesboro, PA?
Waynesboro has 4 banks with 5 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Waynesboro?
M&T Bank, with 2. Truist has 1 and Farmers and Merchants Trust Company of Chambersburg has 1.
Is there a M&T Bank in Waynesboro, PA?
Yes. FDIC data lists 2 M&T Bank branches in Waynesboro as of September 5, 2026. Its branches are listed under M&T Bank above, with the address and directions for each.
Is there a Truist in Waynesboro, PA?
Yes. FDIC data lists 1 Truist branch in Waynesboro as of September 5, 2026. The address and directions are under Truist above.
Is there a Farmers and Merchants Trust Company of Chambersburg in Waynesboro, PA?
Yes. FDIC data lists 1 Farmers and Merchants Trust Company of Chambersburg branch in Waynesboro as of September 5, 2026. The address and directions are under Farmers and Merchants Trust Company of Chambersburg above.
Is there a Chase in Waynesboro, PA?
No. FDIC data lists no Chase branch in Waynesboro as of September 5, 2026. The nearest is in Mechanicsburg, about 46 miles away in a straight line.
Which banks in Waynesboro are open on Saturday?
Truist and Patriot Credit Union publish Saturday hours for one or more Waynesboro locations. The Saturday section above lists each one with its hours. 2 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Waynesboro?
M&T Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1856.
Which credit unions can I join in Waynesboro?
Patriot Credit Union has an office in Waynesboro. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waynesboro in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Waynesboro?
Nearby cities with more banks include Mont Alto, Greencastle, Chambersburg. Mont Alto is 7 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Bank branch hours, phones and branch pages (3 of 5 branches: M&T Bank, Truist) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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