30 West Patrick Street
Frederick, MD 21701
(301) 620-1400
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Business Products and Services
FCB1: FCB's first Business Courier Service vehicle
Switching to a new bank should be your decision. That's why you
should choose Frederick County Bank. We understand that running your
business can be complicated. We think banking shouldn't be. So whether you
need a simple checking account or feature-rich business service, we can help
meet your needs. Plus, our relationship officers are a team of experienced
community banking professionals who want to help you and your business
succeed.
Please refer to the Business Accounts Fee Schedule available at any
Frederick County Bank branch for applicable fee information.
Checking
Analysis Checking
A good choice for the active business with high account transactions. Fees
can be offset by earnings credits for compensating balances.
Business Checking
The perfect fit for most small businesses with low to moderate (250 or less
per month) account transactions. Low minimum balance avoids monthly fee.
Non-Profit Checking
A non-interest bearing checking account designed especially for local
qualified religious, charitable, nonprofit organizations with low to
moderate (250 or less per month) account transactions. No minimum monthly
balance requirement.
Business NOW Account
Interest-bearing checking account available to qualified nonprofit
organizations and sole proprietorships with low to moderate (250 or less per
month) account transactions. Low minimum monthly balance requirement.
IOLTA/MAHT
Interest bearing accounts for law firms and title insurers, respectively,
who hold client funds pursuant to Maryland law. Net interest is remitted as
applicable to Maryland Legal Service Corporation (MLSC) or Maryland
Affordable Housing Trust (MAHT).
Business Money Market Account
Competitively tiered-rate interest-bearing account earns higher interest for
higher balances. Limited check writing and withdrawals.
Visa
Business Check Card
Don't carry cash but still enjoy purchasing power with the card that works like a check
(and also provides ATM access!). Subject to available funds and daily transaction limits.
Business Savings
Business Savings Account
Interest bearing savings account puts cash to work for your business. Low
minimum balance avoids monthly fee.
Business Certificates of Deposit
When you don't need access to your cash for a period of time, choose from a
wide selection of terms that offer flexibility in this bank-insured
investment product. Please see our
Rates page on this Web site for current rate information.
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Cash Management
Business Online Banking
With the click of a mouse, enjoy our robust, real time browser-based cash
management system. Balance inquiry, transfers, ACH origination, and more...
Please click here to
Find Out More about BOB!
Controlled Balance Account
Centralize funds in one account. This useful account structure maintains a
target balance by obtaining or returning funds from and to other Frederick
County Bank accounts, which may be operating accounts or interest earning.
Business Courier Service
FCB's business courier service saves time by picking up your business's
non-cash deposits on a prearranged schedule and bringing them to the Bank
for processing ... one less thing to worry about! We bring the Bank to your
door!
FCB Sweep Investment Account
Earn interest in a choice of three money market funds with this automated
overnight sweep product linked to an analysis checking account. Not FDIC
insured.
Other Services
Merchant Processing
Give your customers plenty of payment flexibility by accepting a variety of
payment methods. We give you convenient and competitive credit and debit
card processing and timely settlement to your Frederick County Bank checking
account through our processing partnership.
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Commercial Loans
At Frederick County Bank, we know
that loans are an invaluable part of doing business. Our lending services
can help business owners like you finance operations and growth.
Term Loans
Frederick County Bank offers a variety of term loans for use as long-term
working capital for business expansion, or for purchases of fixed assets
such as equipment, vehicles, and furniture.
Lines of Credit
Frederick County Bank offers lines of credit to help purchase inventory, to
provide required short-term or seasonal working capital, or to finance
accounts receivable.
Letters of Credit
Frederick County Bank offers letters of credit where businesses require a
guarantee of performance or need credit support for accounts payable.
Real Estate
Frederick County Bank offers loans for acquisition or refinance of
commercial real estate for owner/user or investment purposes.
Construction
Frederick County Bank offers construction loans to developers and builders
of commercial properties and single-family home projects. FCB can also
provide construction-to-permanent loans to owner occupants of commercial
properties.
Small Business Administration (SBA)
Frederick County Bank participates in the SBA's Loan Guaranty Program, and
as such can help you successfully apply for the SBA guaranteed loan you may
need to help finance your business requirements.
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CD & Loan
Interest Rates
Stock
Market
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