Business Checking Accounts

Managing your finances is a key part of running a successful business. Keep track of your account balances, enjoy competitive features, and access local support through an FCB Business Checking Account.

For Business

Account options for locally-owned, small and large businesses, professional services, specialty services and trades, and more

Solutions for Business

Accounts for Nonprofits

Special accounts for qualified nonprofits including houses of worship, charities, family foundations, membership groups, educational groups, and more

Solutions for Nonprofits

Universal Account Features

The following great services are provided as part of your relationship with Frederick County Bank when you open a Business Banking account. 

desktop computer

Mobile & Online Banking

Check and manage your account from anywhere, anytime.

mobile phone with FCB more than a bank background

Local Support

Our contact center team works right here in Downtown Frederick

FCB Frederick County Bank sign

Bank Center Access

Visit any of our 5 bank center locations for assistance


Account Types

Solutions for Businesses

The business community of Frederick is diverse. FCB offers an array of account options to support the scale and ambitions of your organization. We currently serve:

  • Local businesses, restaurants, retailers
  • Specialty services and suppliers
  • Trade organizations and skilled laborers
  • Professional Services including doctors, lawyers, and CPAs

Choosing the right business checking option can make tracking and managing your finances easier. Whether you need high volume transaction support, cash management solutions, or a traditional service, find an option that’s right for your organization.

Ideal for
Business checking New or growing business with a low to moderate average monthly activity
Analysis Checking Need cash management services
IOLTA/MAHT Need an easy and convenient way to manage client’s escrow funds
Account Maintenance
Business checking $10
Analysis Checking $10
IOLTA/MAHT $20
Skip the Monthly Fee
Business checking Maintain a minimum monthly balance of $1,000 or more
Analysis Checking Benefit from reduced or offset service charges by maintaining collected and available balances that receive an analyzed earnings credit
Interest bearing*
IOLTA/MAHT
Cost per transaction (checks, debits, deposit items, deposit tickets)
Business checking $0.30 over 250 items
Analysis Checking Checks/debits: $0.15
Deposit items*: $0.10
Deposit tickets: $0.25
Online Banking & Bill Pay
Business checking
Analysis Checking
Mobile Banking
Business checking
Analysis Checking
Check writing and withdrawal ability
Business checking
Analysis Checking
Surcharge-free FCB ATM access
Business checking
Analysis Checking
Business checking Analysis Checking IOLTA/MAHT
Ideal for New or growing business with a low to moderate average monthly activity Need cash management services Need an easy and convenient way to manage client’s escrow funds
Account Maintenance $10 $10 $20
Skip the Monthly Fee Maintain a minimum monthly balance of $1,000 or more Benefit from reduced or offset service charges by maintaining collected and available balances that receive an analyzed earnings credit
Interest bearing*
Cost per transaction (checks, debits, deposit items, deposit tickets) $0.30 over 250 items Checks/debits: $0.15
Deposit items*: $0.10
Deposit tickets: $0.25
Online Banking & Bill Pay
Mobile Banking
Check writing and withdrawal ability
Surcharge-free FCB ATM access

Solutions for Nonprofits

Frederick County has a vibrant community of nonprofit organizations. Frederick County Bank is proud to support the full spectrum on nonprofit organizations including

  • Educational organizations
  • Religious groups & Houses of Worship
  • Health and human service providers
  • Artistic and cultural organizations
  • Family foundations
  • Membership groups

Like all businesses, your nonprofit requires banking solutions to help manage cash flow, monitor accounts balances, and keep your overhead low. Whether you need low fees, high transaction limits, or access at your fingertips, FCB is proud to offer the following solutions for nonprofits

Ideal for
Nonprofit Checking You are a local qualified religious, charitable, or nonprofit organization
Business NOW • You are a qualified nonprofit   organization or sole proprietorship
• Your average monthly balance is greater than $1,000
• Your average monthly transactions are 250 or less per month.
Making a Difference NOW •You are a qualified nonprofit organization •
You are not a government entity or sole proprietorship
•Your average monthly balance is greater than $5,000
Account Maintenance
Nonprofit Checking No fee
Business NOW $15
Making a Difference NOW $25
Skip the Monthly Fee
Business NOW Maintain a minimum monthly balance of $1,000 or more
Making a Difference NOW Maintain a minimum monthly balance of $5,000 or more
Interest bearing
Business NOW
Making a Difference NOW tiered-rate
Free combined transactions per month (checks, debits, deposit items, deposit tickets)
Nonprofit Checking 250
Business NOW 250
Making a Difference NOW 500
Cost per excess transaction (checks, debits, deposit items, deposit tickets)
Nonprofit Checking $0.30
Business NOW $0.30
Making a Difference NOW $0.30
Online Banking & Bill Pay
Nonprofit Checking
Business NOW
Making a Difference NOW
Mobile Banking
Nonprofit Checking
Business NOW
Making a Difference NOW
Check writing and withdrawals
Nonprofit Checking
Business NOW
Making a Difference NOW
Surcharge-free FCB ATM access
Nonprofit Checking
Business NOW
Making a Difference NOW
Nonprofit Checking Business NOW Making a Difference NOW
Ideal for You are a local qualified religious, charitable, or nonprofit organization • You are a qualified nonprofit   organization or sole proprietorship
• Your average monthly balance is greater than $1,000
• Your average monthly transactions are 250 or less per month.
•You are a qualified nonprofit organization •
You are not a government entity or sole proprietorship
•Your average monthly balance is greater than $5,000
Account Maintenance No fee $15 $25
Skip the Monthly Fee Maintain a minimum monthly balance of $1,000 or more Maintain a minimum monthly balance of $5,000 or more
Interest bearing tiered-rate
Free combined transactions per month (checks, debits, deposit items, deposit tickets) 250 250 500
Cost per excess transaction (checks, debits, deposit items, deposit tickets) $0.30 $0.30 $0.30
Online Banking & Bill Pay
Mobile Banking
Check writing and withdrawals
Surcharge-free FCB ATM access

Ready to Get Started?

When you’re ready to open a business checking account, we’re ready to help.

Next Steps

May We Also Suggest

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When you’re ready to expand and grow your business we can help you explore financing options. Frederick County Bank offers a variety of commercial loans including conventional, SBA, and USDA. Loans can be used for vehicle financing, expanding your space, building & construction, and equipment purchases.

Financing Solutions

hands holding 20 dollar bills fanned outCheck-In With Your Cash Flow and Cash Management

Have you looked at your cash management process recently? We offer financial solutions for each step of the cash flow journey. From collection to disbursement, transfer to investment, there are a lot of opportunities for you to streamline your process.
 

Cash Management Solutions