Personal Checking Accounts

It’s time to check in on your checking account options

You depend on your checking account every day, let’s make sure you have the best option. Whether you want to minimize fees, protect the environment, or have access on-the-go, Frederick County Bank has a solution

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Universal Account Features

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

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Mobile & Online Banking

Check and manage your account from anywhere, anytime.

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Local Support

Our contact center team works right here in Downtown Frederick

Bank Center Access

Visit any of our 5 bank centers for assistance


Find the Right Account For You

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FCB Choice Checking

Choice Checking is a popular account option with a low monthly minimum balance requirement of $500. Skip the monthly maintenance fee by maintaining a balance of $500, having a recurring monthly direct deposit, or maintaining a minimum balance of $1000 across your FCB accounts.

plant growing in a pot

FCB EChecking

A popular account option with no monthly minimum balance requirement. Waive the monthly maintenance charge when you subscribe to electronic statements that help reduce paper waste and protect our environment. Skip the monthly maintenance fee when you subscribe to free electronic statements and make one bill payment transaction using FCB Bill Pay each month.

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FCB Advantage Checking

This account is a popular option that provides great features for those 55 and older. Enjoy free FCB custom logo checks, unlimited check writing, and more with no minimum monthly balance requirement. Skip the monthly maintenance fee with a recurring monthly direct deposit or by maintaining a minimum balance of $1,000 across your FCB accounts.

plant growing in a pot

Go Green Plus

A popular option for those interesting in automation and moderate debit card use. This is interest-bearing account when the following monthly conditions are met:

  • Subscribe to paperless e-statements with check images*
  • Use your FCB Visa® Debit Card at least 12 times
  • Pay at least one bill with FCB Online Bill Pay
  • Receive one ACH credit (direct deposit) or debit (payment)

Flock of birds in dusky sky

FCB NOW Account

An interest-bearing account with minimal hurdles. Enjoy no monthly maintenance charges when you maintain a minimum monthly balance of $1,000.


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Compare Accounts

When deciding which account is right for you it’s important to consider the balance you’re likely to have in your account, your monthly activity, and how to avoid maintenance fees. We’re happy to help you navigate your choices – come say hello or give us a call.

Ready to open an account? View Next Steps

NonInterest Bearing Personal Checking Accounts

* Minimum Monthly Balance
FCB eChecking No Minimum
FCB Choice $500
Advantage Checking
for 55+
No Minimum
* Account Maintenance
FCB eChecking $5
FCB Choice $9
Advantage Checking
for 55+
$8
* Skip the Monthly Fee When You
FCB eChecking Subscribe to free electronic statements and make one bill payment transaction using free FCB Bill Pay each month
FCB Choice Make one recurring direct deposit, maintain a minimum balance in the account, or maintain a combined minimum balance in other FCB checking, money market, or savings accounts
Advantage Checking
for 55+
Make one recurring direct deposit, maintain a minimum balance across FCB accounts
* Free VISA® debit card
FCB eChecking
FCB Choice
Advantage Checking
for 55+
* Free online banking and bill pay
FCB eChecking
FCB Choice
Advantage Checking
for 55+
* Free mobile banking with bill pay, deposit capture, and transfers
FCB eChecking
FCB Choice
Advantage Checking
for 55+
* Free electronic statement
FCB eChecking
FCB Choice
Advantage Checking
for 55+
* Free online check images
FCB eChecking
FCB Choice
Advantage Checking
for 55+
* Free email and mobile device alerts
FCB eChecking
FCB Choice
Advantage Checking
for 55+
* Surcharge-free FCB ATM access
FCB eChecking
FCB Choice
Advantage Checking
for 55+
* Unlimited Check Writing
FCB eChecking
FCB Choice
Advantage Checking
for 55+
* FCB eChecking FCB Choice Advantage Checking
for 55+
Minimum Monthly Balance No Minimum $500 No Minimum
Account Maintenance $5 $9 $8
Skip the Monthly Fee When You Subscribe to free electronic statements and make one bill payment transaction using free FCB Bill Pay each month Make one recurring direct deposit, maintain a minimum balance in the account, or maintain a combined minimum balance in other FCB checking, money market, or savings accounts Make one recurring direct deposit, maintain a minimum balance across FCB accounts
Free VISA® debit card
Free online banking and bill pay
Free mobile banking with bill pay, deposit capture, and transfers
Free electronic statement
Free online check images
Free email and mobile device alerts
Surcharge-free FCB ATM access
Unlimited Check Writing

Interest Bearing Personal Checking Accounts

Account Features Minimum Monthly Balance
FCB Go Green Plus Checking No Minimum
Personal NOW Checking $1,000
Account Features Account Maintenance
FCB Go Green Plus Checking $5
Personal NOW Checking $15
Account Features Skip the Monthly Fee When You
FCB Go Green Plus Checking see product description above
Personal NOW Checking see product description above
Account Features Free VISA® debit card
FCB Go Green Plus Checking
Personal NOW Checking
Account Features Free online banking and bill pay
FCB Go Green Plus Checking
Personal NOW Checking
Account Features Free mobile banking with bill pay
FCB Go Green Plus Checking
Personal NOW Checking
Account Features Free electronic statement
FCB Go Green Plus Checking
Personal NOW Checking
Account Features Free online check images
FCB Go Green Plus Checking
Personal NOW Checking
Account Features Free email and mobile device alerts
FCB Go Green Plus Checking
Personal NOW Checking
Account Features Surcharge-free FCB ATM access
FCB Go Green Plus Checking
Personal NOW Checking
Account Features Interest bearing*
FCB Go Green Plus Checking
Personal NOW Checking
Account Features Additional Conditions
FCB Go Green Plus Checking Available only to individual consumers and sole proprietors
Account Features FCB Go Green Plus Checking Personal NOW Checking
Minimum Monthly Balance No Minimum $1,000
Account Maintenance $5 $15
Skip the Monthly Fee When You see product description above see product description above
Free VISA® debit card
Free online banking and bill pay
Free mobile banking with bill pay
Free electronic statement
Free online check images
Free email and mobile device alerts
Surcharge-free FCB ATM access
Interest bearing*
Additional Conditions Available only to individual consumers and sole proprietors

Need to Reorder Checks?

If you need to order more checks we can help with that. You're welcome to visit a banking center, give us a call, or use the link below to order online through CPS: Check Printing Solutions

Order Checks Online

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Prepaid Reloadable Card

Enjoy the convenience of using a debit card, receive direct deposits, and easily load or transfer funds. Great for students & travelers.

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Where You Bank Matters

Where you choose to bank demonstrates what’s important to you. See how community banking helps Frederick.

See Why

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Get Mobile & Online Banking

Protect your accounts, send and receive money from friends, pay bills, and so much more with FCB mobile & online banking

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