ACNB Corporation, through its subsidiaries, provides various banking and financial services to individuals and businesses. It accepts various deposit products, such as interest bearing demand, non-interest bearing demand, savings, and time deposits. The company also provides commercial lending products, including commercial mortgages, real estate development and construction, accounts receivable and inventory financing, and agricultural loans; consumer lending programs, which comprise home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs, such as personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, it offers trust services, such as investment, protection, management, and distribution of financial assets; estate settlement; and other services, including services under testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, and powers of attorney. Further, the company operates as an insurance agency that provides various property and casualty, life, and health insurance to commercial and individual clients; and engages in the business of reinsuring credit life and credit accident, and disability risks. It operates 19 retail banking offices in Adams, Cumberland, and York Counties, Pennsylvania, as well as 2 loan production offices in York and Franklin Counties, Pennsylvania. The company is headquartered in Gettysburg, Pennsylvania.