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

FCB Free Checking --- NEW!
Our new personal checking account 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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