Personal Products
and Services
Personal service is what you deserve!
Individual attention and respect for your financial goals is what you will find at
Frederick County Bank. Choose from a variety of personal banking services designed to fit
your lifestyle, whatever your age or need. Let us complement the way you choose to handle
your money!
Please refer to the Personal Accounts Fee Schedule available at any Frederick County Bank
branch for applicable fee information.
Checking
Go
Green Plus --- New!
Created for those who want to
reduce waste and their carbon footprint, the Go
Green Plus Account* is
a high yield checking account offering a competitive return and no minimum
balance requirement, all for banking the way you want to! Think
green by receiving electronic account statements and eliminating paper
that you need to store or shred!
* Available to consumers and
sole proprietors only. Monthly account requirements apply. Please refer to the FCB personal Fee Schedule for more
information.
FCB
Free Checking
FCB Free
Checking features NO balance requirement, NO
monthly maintenance fees and FREE FCB Custom checks*! Enjoy unlimited
check writing and no per-check charges as well as the convenience of a
FREE FCB VISA
Debit Card and FREE personal
FCB Online Banking!
* FCB Custom checks
(standard
order quantity) are free for life of account. Other account related
non-maintenance fees may still apply. Please refer to the FCB personal Fee Schedule for more
information.
FCB
Key Account
Rewards and extra value can be yours with the FCB
Key Account, a relationship package checking account! The FCB Key
Account is a non-interest bearing checking account that combines the
balances in your FCB Key Account, along with your Savings and/or Money
Market accounts, to provide you with added value and a package of benefits
including FREE FCB Online Bill Pay!
Fifty Plus Account
Great value and convenience designed for customers age 50 or better! Requires no minimum
monthly balance and provides FREE FCB Custom
checks (standard order quantity) and unlimited check writing.
NOW Account
For those who prefer to earn interest on their checking account while enjoying unlimited
check writing. No monthly maintenance fee when minimum balance is maintained.
Personal Money Market Account
For individuals who tend to keep higher balances and wish to earn the highest rates of
interest while keeping balances liquid. Limited check writing for easy access to funds.
Ready Reserve Overdraft Protection
Avoid the issues of becoming overdrawn with a line of credit attached to your checking
account. Funds are automatically transferred up to the available credit limit in the event
of an overdraft.
FCB VisaDebit
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.
Savings and Retirement
Savings Account
Our interest-bearing savings account helps your money grow. Low minimum balance avoids the
monthly maintenance fee and makes it easy to save today for what you want for tomorrow.
Savings Account for Minor/Custodial
A great place to start saving for children. Low minimum balance helps them get started on
their financial future.
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. This traditional product is insured up to the maximum
allowed by the FDIC. Please see our Rates page on this website for current rate
information.
Individual Retirement Accounts (IRAs)
It's smart planning to have more than one way to save for retirement. Select from
educational, Roth or traditional IRAs with your choice of savings or certificate of
deposit account options.
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Loans and Lines
of Credit
Home Equity
Use the existing equity in your primary residence to establish a Home Equity Line of
credit or Home Equity Fixed Rate loan. Please see our Rates page on this website for
current rate and term information.
Home Equity Line of Credit
* Revolving line of credit
* Interest paid only on the amount borrowed
* Access line by writing a check, transfer an amount from your line to your checking
account through FCB's online product or obtain a cash advance at any FCB branch
location
* Variable interest rate
* No Annual Fee
Home Equity Fixed Rate
* Borrow amount needed at settlement
* Interest rate and term of the loan are fixed
Installment
Frederick County Bank offers secured and unsecured simple interest loan products. Please
see our Rates page on this website for current rate and term information.
Vehicle Loan
* Secured by vehicle being purchased or refinanced
* Interest rate and term of the loan are fixed
* No prepayment penalty
Unsecured Loan
* Requires no collateral
* Interest rate and term of the loan are fixed
* No prepayment penalty
Lines of Credit - tied to your Frederick County Bank checking account
Unsecured personal revolving lines of credit are available through our Ready Reserve
product selection. Your line may be used for automated overdraft protection or a check
activated line of credit.
Mortgage
Obtain a mortgage loan to purchase a residential lot, construct residence, purchase home
or refinance your existing mortgage.
Student
Government insured student loans are offered through Sallie Mae and are generally
need -
based.
Stafford Subsidized Loan
* Based on financial need
* Government pays the interest while the student is in school
Stafford Unsubsidized Loan
* Not based on financial need
* Borrower is responsible for the interest that accrues, but may be allowed to defer
making payments until out of school or deferment ends.
Federal Plus Loan
* Parent may borrow up to the total cost of the student's education, less other aid
received.
* Repayment begins within 60 days of disbursement, with up to a 10-year term.
* No collateral or income requirements.
Note: Frederick County Bank's
trade area is
primarily Frederick County, Maryland and neighboring counties in adjacent
states.
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