Who We Serve - Community-Based Businesses

Community-based businesses keep our community vibrant and unique

Small and community-based businesses are a big part of what keeps our Frederick community vibrant and unique. From locally-owned restaurants, shops, and entertainment to craft breweries, wineries, and distilleries, Frederick has a lot of offer.

At FCB Bank we believe in entrepreneurs and innovators, disrupters and trailblazers, and those looking to turn their ideas into reality. We know the challenges and rewards of the business journey because we ourselves have grown from a core group of individuals with a dream to a much larger team of employees supporting that common goal. FCB Bank provides forward-thinking services and integrates technology into both our products and our approach. When you need flexible financial solutions for your business, we're ready to support you - because we understand where you are and where you're headed

    Check In With Your Business

    When evaluating what you may need for your business consider the following:

    • How do your customers want to pay? What challenges have you faced handling mobile, credit card, and check payments?

    • What delays do you experience from receipt of credit card payment from your customer to available funds in your bank account?

    • What upgrades or remodeling plans do you have to differentiate your business from others in the area and national competitors?

    • How do daily and seasonal changes in customer traffic affect your cash flow?

    • How do your payment terms with vendors affect your operations and cash flow?

    • What difficulties do you face in paying staff, payroll taxes, and reporting?

    Recommended Products & Services

    Sign on storefront

    Business Financing

    The right loan or line of credit can help you finance your project or improve your workflow. When you’re building, running, or expanding your business a loan can be an essential tool. 

    Find the Right Loan

    Point of Sale Tools

    As a merchant, you know how important it is to offer your customers a range of payment options. From card to mobile, FCB Bank can help you with the technology and resources to accept transactions quickly, easily, and in a cost-effective way

    View Sell & Invoice Tools

    FCB Bank Lock on Fence

    Protect Your Accounts from Fraud

    Prevent fraudulent and unauthorized activity from checks and ACH actions with Positive Pay and ACH Account Block. Together with FCB Bank, these services help you set protections and review criteria that lessens your risk of being a target of fraudulent activity.

    Protective Products

    Online and Mobile Banking at FCB Bank

    Mobile & Online Banking

    You’re busy helping people in our community, FCB Bank’s mobile and online platforms for business can make it easy for you to work smarter, not harder and focus on what you love

    Bank From Anywhere

    FCB Bank on Corner

    Night Depository

    Deposit your daily cash, checks, and credit card slips outside of normal banking hours for processing the next business day. All FCB Bank locations have a business night depository.

    Find an FCB Bank Office

    Couple at Restaurant

    Small Business Administration Loan

    A Small Business Administration (SBA) Loan gives you the chance to obtain lending with more flexibility than a conventional business loan. SBA loans often mean extended financing terms, lower payments, and better cash flow, as well as less money down and perhaps little or no collateral.


    Ways to Apply

    Contact Online

    Complete the Business Information Contact form to get started right away.

    Contact Us

    Talk to us

    We have dedicated staff that can assist you with getting started.

    Call now!


    Visit an Office

    Our friendly knowledgeable office staff can take your application at an office convenient to you.

    Use our office locator to find an office near you.

    Find an Office




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