Easily manage your assets while watching your savings grow with FCB’s personal savings accounts. Our competitive savings products are safe, secure and insured up to the maximum allowed by the FDIC. Choose from our full-range of options depending on whether you need quick access to your funds or you're looking for the higher rates that come with longer-term savings.
FCB’s interest-bearing personal Savings Account is a safe and easy way to start saving today for what you want in the future. Personal Savings accounts are limited to a maximum of six withdrawals per monthly statement cycle to include checks, debit card and Point of Sale (POS) transactions or pre-authorized transfers. There is no monthly maintenance fee when the minimum balance is maintained.
Teach your children the value of saving and help them get started on a strong financial future today by opening a Personal Savings for Minors account today! This interest-bearing custodial account is limited to six withdrawals per monthly statement cycle to include checks, debit card and Point of Sale (POS) transactions or pre-authorized transfers. There is no monthly maintenance fee when the low minimum balance is maintained.
The Personal Money Market Account is an interest-bearing account that provides competitive rates while keeping balances readily available. You can easily manage your funds with the convenience of FCB’s Free Online Banking and Bill Pay service. Personal Money Market accounts are limited to a maximum of six withdrawals per monthly statement cycle to include checks, debit card and Point of Sale (POS) transactions or pre-authorized transfers. Interest rates compound daily and are tiered to reward higher balances with a higher return. There is no monthly maintenance fee when the minimum balance is maintained.
For those who do not need to access their cash for a period of time, FCB offers a wide selection of CDs with flexible terms and competitive interest rates. This traditional product is insured up to the maximum allowed by the Federal Deposit Insurance Corporation (FDIC). Or you may want to choose a Health Savings Account (HSA) CD for which your contributions are tax-deductible. Current rate and term information can be found on the CD Rates page.
It's smart planning to have more than one way to save for retirement. FCB offers flexible options for investing in individual retirement accounts, such as traditional, Roth, education, simple or SEP IRA plans. Customers have a choice of savings or Certificate of Deposit account options.
FCB’s Health Savings Accounts (HSAs) provide 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 Accounts.
Please see FCB’s Personal Fee Schedule for more information. For HSA eligibility requirements, please call us at 301-620-1400.
Complete terms and conditions for each account type are available upon request.
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.
Read the latest news releases for FCB!
Mobile Deposit Capture - Now Available! Learn more about FCB Mobile Deposit’s benefits and features today.
Enjoy the modern convenience and security of FCB's Online Banking & Bill Pay today, including remote deposit capture for both personal and business use!