FULT Fulton Financial Corporation

Dividend Reinvestment and Stock Purchase Plan

This prospectus describes the Fulton Financial Corporation Dividend Reinvestment and Stock Purchase Plan (the “Plan”), which provides holders of record of Fulton Financial Corporation’s common stock with a simple and convenient method of reinvesting cash dividends and making optional cash payments to acquire common stock of Fulton Financial Corporation (“Fulton Financial”). Fulton Financial’s common stock is listed on the NASDAQ Capital Stock Market under the symbol “FULT”.

Shares of common stock to be issued under the Plan will be (i) purchased on the open market or (ii) purchased directly from us from authorized but unissued shares. All purchases will be made at market prices determined in the manner described in the Plan.

This Prospectus relates to an additional 10,000,000 shares of the $2.50 par value common stock of Fulton Financial to be issued under the Plan.

You should retain this Prospectus for future reference.

Investing in our securities involves risks. Before buying any securities, you should carefully read the discussion of material risks involved in investing in our securities under the heading “ Risk Factors ” beginning on page 2.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

We have not authorized anyone to provide you with information that is different from what is contained in this prospectus. The date of this Prospectus is July 30, 2014. You should not assume that the information in this prospectus is still accurate as of any later date.

Table of Contents

DESCRIPTION OF THE PLAN

The following is a question and answer statement of the provisions of the Fulton Financial Corporation Dividend Reinvestment and Stock Purchase Plan.

Purpose

The purpose of the Plan is to provide shareholders of the $2.50 par value common stock of Fulton Financial Corporation with a convenient and economical method of investing cash dividends and optional cash payments in additional shares of Fulton Financial common stock. To the extent that the shares are purchased directly from Fulton Financial under the Plan, Fulton Financial will receive additional funds for its general corporate purposes.

Advantages

Participation in the Plan offers a number of advantages:

a. The Plan provides shareholders of Fulton Financial with the opportunity to reinvest their dividends automatically in additional shares of Fulton Financial common stock.

3

Table of Contents

b. Participants’ funds will be fully utilized through the crediting of fractional shares to their accounts under the Plan.

c. Participants may acquire additional shares of Fulton Financial common stock by making optional cash payments.

d. Participants will receive periodic statements of all transactions for their accounts under the Plan.

Administration

Fulton Bank, N.A., the “ Plan Agent ” will administer the Plan as agent for the participants, and in such capacity will send periodic statements of account to participants and perform other administrative duties relating to the Plan. Shares purchased for a participant under the Plan will be held by the Plan Agent and registered in the name of the Plan Agent or its nominee.

Any notices, questions or other communications relating to the Plan should include the participant’s account number and should be addressed to:

Fulton Bank, N.A.

Dividend Reinvestment Department

P.O. Box 3215

Lancaster, PA 17604-3215

Participants who have questions regarding the Plan may also contact the Plan Agent by telephoning 1-800-626-0255.

Participation

All record holders of common stock of Fulton Financial are eligible to participate in the Plan; however, Fulton Financial reserves the right to deny participation to a shareholder who resides in a state which requires registration, qualification or exemption of the common stock to be issued under the Plan or registration or qualification of Fulton Financial or any of its officers or employees as a broker, dealer, salesman or agent, if such registration, qualification or exemption would be unduly burdensome or expensive for Fulton Financial. Beneficial owners whose shares are registered in the name of a nominee, such as a brokerage firm or securities depository, may not participate in the Plan, unless such shares are transferred into the name of the beneficial owner.

Any eligible shareholder may join the Plan at any time by completing and signing the authorization form included with the prospectus and returning it to the Plan Agent. Additional authorization forms may be obtained at any time from the Plan Agent at the address listed above. An authorization form must be received at least two (2) business days before a dividend record date for dividends to begin to be reinvested upon payment of that dividend.

4

Table of Contents

No, there is no minimum number of shares required for participation in the Plan.

Yes, a shareholder may participate in the Plan with respect to all or any portion of his or her shares. A shareholder who wishes to participate with a portion of his or her shares may elect to: (i) have the dividends reinvested on a fixed percentage of shares, (ii) have the dividends reinvested on a fixed number of shares, or (iii) have a fixed dollar amount of cash dividends reinvested.

There is no requirement that participants deposit the shares registered in their names with the Plan; however, participants may deposit currently held certificates for shares of Fulton Financial common stock with the Plan Agent for safekeeping. To do so, a participant should send the stock certificates, properly endorsed on the reverse side, to the Plan Agent with a letter of instructions requesting that the shares be added to the participant’s dividend reinvestment account and the dividends thereon be reinvested in accordance with the Plan.

Optional Cash Payments

Only participants who have elected to have dividends reinvested under the Plan may make optional cash payments, which will be used for the purchase of additional shares of Fulton Financial common stock in accordance with the Plan.

Participants may make optional cash payments as often as once a month. The minimum optional cash payment is $25.00 per month, and the maximum optional cash payment is $25,000.00 per month. The same amount of optional cash payments need not be made each month, and there is no obligation to make optional cash payments after a participant is enrolled in the Plan.

Participants who wish to make an optional cash payment should forward a check or money order, or another form of payment acceptable to the Plan Agent, payable to the Plan Agent for the amount of the optional cash payment, with an authorization form when enrolling, or thereafter, with the payment form attached to each statement of account. Optional cash payments must be received by the Plan Agent at least five (5) business days before the applicable investment date to be invested for that month. No interest will be paid on optional cash payments held by the Plan Agent. Participants may request that optional cash payments be returned to them prior to investment, provided that the request is received by the Plan Agent at least five (5) business days before the next applicable investment date.

5

Table of Contents

Purchases

The Plan agent will pool all of the reinvested dividends and optional cash payments to purchase shares of Fulton Financial common stock for the accounts of the Plan’s participants. Each participant’s account will be credited with a pro rata share (computed to four decimal places) of such purchased shares. The Plan Agent will purchase shares either directly from Fulton Financial or in the open market, or by a combination of the foregoing, at the direction of Fulton Financial. Shares purchased from Fulton Financial may be authorized but unissued shares or treasury shares.

Purchases of shares of common stock from Fulton Financial will be made as of the investment date, which will be the dividend payment date during a month in which a dividend is paid, and in any other month will be the fifteenth day of such month. If, however, the investment date falls on a date that is not a trading day, the next trading day will be the investment date. Purchases of shares of common stock on the open market will be made as soon as reasonably possible after the applicable investment date, but not more than thirty (30) days after such date.

For shares of common stock purchased directly from Fulton Financial by the Plan Agent, the purchase price will be the fair market value of the stock as of the applicable investment date. During the time that Fulton Financial common stock is listed on the NASDAQ National Market System, the fair market value will be the average of the highest and lowest trading price for the stock on the applicable investment date. For purchases of shares of common stock on the open market, the purchase price will be the average of the prices actually paid for the shares (including brokerage commissions, if any) at the time such purchases are made.

The number of shares that will be purchased for each participant will depend on the amount of dividends to be reinvested for the participant and the optional cash payments, if any, received from the participant.

Yes, dividends subsequently paid on shares that have been purchased under the Plan will also be used to purchase Fulton Financial common stock, thereby compounding each participant’s investment. Fractional shares held under the Plan for a participant’s account will receive dividends in the same way as a whole share, but in proportion to the size of the fractional share.

6

Table of Contents

Fulton Financial will pay all costs of administration of the Plan. No brokerage fees will be charged to participants in connection with the purchase of stock from Fulton Financial, but participants will be charged the actual cost (including any brokerage commissions, if any) of all shares purchased on the open market. In addition, the Plan Agent may charge Participants applicable costs and service fees to process transactions requested by Participants.

Reports to Participants

Each participant will receive periodic statements of account showing the amount of dividends and optional cash payments, if any, invested; the taxes withheld, if any; the net amount invested; the number of shares purchased; the price per share; and the total number of shares accumulated under the Plan. These statements are records of the participant’s transactions under the Plan and should be retained for income tax purposes. In addition, each participant will continue to receive copies of the same communications sent to all other holders of Fulton Financial common stock, including quarterly reports and annual reports to shareholders, a notice of the annual meeting and proxy statement, and Internal Revenue Service information for reporting dividend income received.

Voting Rights

For each meeting of shareholders of Fulton Financial, each participant in the Plan will receive a proxy that will enable him or her to vote shares registered in his or her name as well as whole shares credited to his or her Plan account. The shares held by the Plan for the account of a participant who does not return a proxy will not be voted.

Federal Income Tax Information

For federal income tax purposes, a participant in the Plan will be treated as having received, on the dividend payment date, in addition to any tax withheld by Fulton Financial in connection with the dividend payment, a dividend in an amount equal to the number of shares of common stock of Fulton Financial acquired for the participant’s account with reinvested dividends, multiplied by the price per share at which such shares were acquired, as reported on the periodic statement of account delivered to each participant. The per share tax basis of shares acquired by a participant under the Plan, whether pursuant to reinvested dividends or optional cash payments, will be the price per share as reported on the periodic statement of account delivered to each participant after each applicable investment date.

The holding period for shares acquired pursuant to the Plan will begin on the day after the date the shares are acquired for a participant’s account. In the case of any participant as to whom federal income tax withholding on dividends is required, and in the case of a foreign participant whose taxable income under the Plan is subject to federal income tax withholding, dividends will be reinvested net of the amount of tax withheld under applicable law.

7

Table of Contents

A participant will not realize any taxable income upon receipt of certificates for whole shares credited to the participant’s account, either upon the participant’s withdrawal of those shares from the Plan or upon termination of participation in the Plan. A participant who sells or exchanges shares previously received from the Plan may, however, recognize gain or loss. A participant will recognize gain or loss upon the receipt of a cash payment for a fractional share credited to the participant’s account upon termination of participation in the Plan. The amount of gain or loss in either case will be the difference between the amount the participant receives for the shares or fractional share and the participant’s tax basis in such shares or fractional share.

The foregoing summary is based upon an interpretation of current federal income tax law; however, participants should consult their own tax advisors to determine particular tax consequences, including state tax consequences, which may result from participation in the Plan, and any subsequent disposal of shares acquired pursuant to the Plan.

Withdrawal of Shares from Plan Accounts

A participant may withdraw all or a portion of the whole shares of common stock credited to his or her account by notifying the Plan Agent in writing to that effect and specifying in the notice the number of shares to be withdrawn. Certificates for whole shares of common stock so withdrawn will be registered in the name of the participant and issued to the participant or, at the participant’s election, to the Participant’s broker. Participants may also direct their registered broker to request the Plan Agent to transfer whole Plan Shares in their accounts to the Participant’s brokerage account through a notice of withdrawal. Certificates for fractional shares will not be issued under any circumstances. Any notice of withdrawal received less than five (5) business days prior to a dividend record date will not be effective until dividends paid for such record date have been reinvested and the shares credited to the participant’s account.

Dividends on shares withdrawn from a participant’s account will continue to be reinvested unless the participant otherwise notifies the Plan Agent in writing. A participant who withdraws all of the whole and fractional shares from his or her account will be deemed to have terminated participation in the Plan.

A participant who withdraws shares from his or her account and receives certificates for such shares may sell the shares on the open market through a broker chosen by the participant.

In the alternative, a participant who holds 50 or fewer shares may request that Fulton Financial Corporation purchase all (but not less than all) of the participant’s shares at their fair market value as of the 15th calendar day of the month following the month in which the request was made (the “Purchase Date”). If the Purchase Date falls on a date which is not a trading day, the Purchase Date shall be the next trading day thereafter. Fulton Financial will promptly notify the Participant, in writing, whether it will purchase the shares or not. However, if a request for

8

Table of Contents

repurchase is received by Fulton Financial Corporation less than fifteen (15) business days before the Purchase Date, Fulton Financial may elect to purchase the shares on the 15th calendar day of the second month following the month in which the request was received, or reject the request using such notice as is reasonably practicable. The Plan Agent has the right to charge a service fee in connection with all such purchases, to be deducted from the net proceeds payable to the Participant. A request for shares to be purchased must be signed by all persons in whose name the account appears, with signatures guaranteed.

Termination of Participation

A participant may terminate his or her participation in the Plan at any time by sending written notice to the Plan Agent. When a participant terminates his or her participation in the Plan, the Plan Agent will deliver to the participant certificates for whole shares credited to the participant’s account under the Plan (provided that the Participant may elect to have such shares be held in street name by the Participant’s broker), a check representing any uninvested dividends and optional cash payments, and a check in lieu of the issuance of a fractional share, based on the then current market price for Fulton Financial common stock.

A participant holding fewer than 50 shares may request shares to be purchased by Fulton Financial as described above in the answer to Question 22. In all other cases, a participant wishing to sell shares held in the Plan must first transfer such shares out of the Plan, with signatures guaranteed.

Certificates for Shares

No, certificates for shares purchased for a participant’s account under the Plan will not automatically be issued. However, a certificate will be issued if a participant withdraws shares from his or her account under the Plan or terminates his or her participation in the Plan, unless the participant holds fewer than 50 shares and requests such shares to be sold on his or her behalf by the Plan Agent.

Certificates will be issued in the name or names that appear on the participant’s account under the Plan. If a participant requests a certificate to be registered in a name other than that shown on the account, the request must be signed by all persons in whose names the account appears.

Other Information

9

Table of Contents

No, shares credited to a participant’s account under the Plan may not be pledged or assigned, nor may any rights under the Plan be transferred, pledged or assigned, and any such purported pledge, assignment or transfer shall be void. A participant who wishes to pledge or assign his or her shares must withdraw such shares from the Plan.

As long as the Plan Agent holds shares for the participant’s account under the Plan, a participant who no longer has shares of Fulton Financial common stock registered in his or her name may continue to participate in the Plan.

If Fulton Financial declares a stock dividend or effects a stock split, any shares resulting from such stock dividend or stock split with respect to common stock in a participant’s account will be credited to such account. In the event of any change in the common stock of Fulton Financial subject to the Plan as a result of a stock split, reverse stock split, stock dividend or other similar transaction, the number of shares subject to the Plan shall be appropriately adjusted.

Fulton Financial reserves the right to suspend or terminate the Plan at any time, or to make modifications to the Plan. Participants will receive prior notice of any suspension, termination or material modification of the Plan. Fulton Financial also reserves the right to terminate any shareholder’s participation in the Plan at any time. Fulton Financial may adopt rules and regulations at any time to facilitate the administration of the Plan.

Fulton Financial and the Plan Agent, in administering the Plan, shall not be liable for any act done in good faith or for any good faith omission to act, including, without limitation, any claims of liability (i) arising out of failure to terminate a participant’s account upon such participant’s death, and (ii) with respect to the prices at which shares are purchased or sold, the times when purchases or sales are made, the manner in which purchases or sales are made, the decision whether to purchase shares on the open market or from Fulton Financial, and fluctuations in the fair market value of the common stock.