Online Banking

Checking Accounts

All Frederick County Bank personal accounts feature

  • FREE online banking with bill pay
  • FREE mobile banking with bill pay, deposit capture and transfers
  • FREE electronic statements
  • FREE online check images
  • FREE Email and mobile device alerts
  • SURCHARGE-FREE ATM access at convenient locations throughout Frederick County and  nationwide

FCB eChecking

FCB’s eChecking account is a personal checking account with no minimum monthly balance requirement. There is no monthly maintenance fee* when you subscribe to free electronic statements and when you make one bill payment transaction using Free FCB Bill Pay each month.

Additional benefits include:

  • Unlimited Check Writing
  • FREE VISA® debit cards
  • FREE online banking with bill pay
  • FREE mobile banking with bill pay, deposit capture and transfers
  • FREE electronic statements
  • FREE online check images
  • FREE Email and mobile device alerts
  • SURCHARGE-FREE ATM access at convenient locations throughout Frederick County and nationwide

*Other non-maintenance fees may apply. Please see a bank center associate for account disclosures and full details.

FCB Advantage Checking for Age 55 and Better

If you're age 55 or older, the FCB Advantage Checking account offers some great advantages. There is no monthly maintenance fee* when you make one monthly recurring direct deposit or you maintain a minimum combined balance in other FCB checking, money market or savings accounts.

In addition, you'll enjoy these benefits:

  • FREE FCB custom logo checks (standard order quantity) for the life of the account
  • Unlimited Check Writing
  • FREE VISA® debit cards
  • FREE online banking with bill pay
  • FREE mobile banking with bill pay, deposit capture and transfers
  • FREE electronic statements
  • FREE online check images
  • FREE Email and mobile device alerts
  • SURCHARGE-FREE ATM access at convenient locations throughout Frederick County and nationwide

*Other non-maintenance fees may apply. Please see a bank center associate for account disclosures and full details.

FCB Choice Checking

With an FCB Choice Checking Account, there is no monthly maintenance fee* when you make one monthly recurring direct deposit, maintain a minimum balance in the Choice Checking account or maintain a combined minimum balance in other FCB checking, money market or savings accounts.

Choice Checking also includes:

  • Unlimited Check Writing
  • FREE VISA® debit cards
  • FREE online banking with bill pay
  • FREE mobile banking with bill pay, deposit capture and transfers
  • FREE electronic statements
  • FREE online check images
  • FREE Email and mobile device alerts
  • SURCHARGE-FREE ATM access at convenient locations throughout Frederick County and nationwide

*Other non-maintenance fees may apply. Please see a bank center associate for account disclosures and full details.

FCB Go Green (GGP) Plus Checking

Created for customers who want to reduce their carbon footprint and eliminate paper statements that need to be stored or shredded, FCB’s Go Green Plus* is an interest-bearing personal checking account offering a competitive return just for banking electronically.  With no minimum balance requirement, the GGP Account gives customers the opportunity to earn more “green” just by banking electronically. Monthly account requirements apply.  Other account related non-maintenance fees may still apply.

Enjoy these additional benefits when you go green:

  • Unlimited Check Writing
  • FREE VISA® debit cards
  • FREE online banking with bill pay
  • FREE mobile banking with bill pay, deposit capture and transfers
  • FREE electronic statements
  • FREE online check images
  • FREE Email and mobile device alerts
  • SURCHARGE-FREE ATM access at convenient locations throughout Frederick County and nationwide

*Available to individual consumers and sole proprietors only. Other non-maintenance fees may apply. Please see a bank center associate for account disclosures and full details.

Personal NOW Checking

FCB’s Personal NOW account is an interest-bearing personal checking account for those who want to earn interest on their money while enjoying unlimited check writing.  There is no monthly maintenance fee when the minimum balance is maintained.

Additional benefits include:

  • Unlimited Check Writing
  • FREE VISA® debit cards
  • FREE online banking with bill pay
  • FREE mobile banking with bill pay, deposit capture and transfers
  • FREE electronic statements
  • FREE online check images
  • FREE Email and mobile device alerts
  • SURCHARGE-FREE ATM access at convenient locations throughout Frederick County and nationwide

*Other non-maintenance fees may apply. Please see a bank center associate for account disclosures and full details.

Health Savings Account (HSA) Checking

FCB’s Health Savings Account (HSA) checking provides a way to save money to help offset out-of-pocket healthcare expenses. Contributions to HSAs are tax-deductible and subsequent earnings and qualified distributions are not taxed. An HSA can move with you if you change plans and unlike most flexible spending accounts, it does not have to be depleted annually. There are no HSA-specific fees for FCB’s Health Savings Account checking. 

We offer three types of HSAs:

  1. Our HSA checking account.
  2. Our interest-earning HSA allows for six withdrawals per monthly statement cycle.
  3. Our HSA Certificate of Deposit is perfect if you don't need to access your HSA funds for longer periods of time. Please note: there is a penalty for early withdrawal.

Please refer to the Personal Accounts Fee Schedule available at any FCB bank center location for applicable fee information. Complete terms and conditions for each account type are available upon request.

  • Security Awareness & Alerts

    Frederick County Bank is serious when it comes to your safety and securing your personal information. We will help keep you informed with all the news and information you need to feel protected. 

  • Latest News

    Read the latest news releases for FCB!

  • Mobile Deposit Capture

    Mobile Deposit Capture - Now Available! Learn more about FCB Mobile Deposit’s benefits and features today.

  • Online Banking & Bill Pay

    Enjoy the modern convenience and security of FCB's Online Banking & Bill Pay today, including remote deposit capture for both personal and business use!