Coronavirus Update

COVID-19 and Our Commitment to You

FCB Bank remains committed to the health and well-being of our customers and employees.

Select Lobbies are Open

Select Community Banking Offices are open. Please check the current hours and status of your preferred location before visiting.

For locations that remain drive-up service and by appointment only, please call 1.844.413.5463 to schedule an appointment.

Thank you for helping us keep our customers, community, and team members safe, we look forward to seeing you soon.

Face Covering Requirement

Per CDC recommendations and Maryland State requirements, everyone must wear a face covering when visiting our locations. This is for the health and safety of our customers and team. If you prefer not to wear a face covering, please use our drive-ups and electronic banking.

Location & Drive-up Hours

How FCB Bank is Committed to You

Effective Until Further Notice

Limits on Mobile Banking deposit transactions have been raised temporarily so that customers have the ability to deposit checks in both higher dollar amounts and number.
For personal loan customers experiencing financial hardship, processes are in place to assist in loan payment deferrals or other accommodations.
Additional staff have been allocated to assist customers over the telephone and to handle new customer enrollments in Online Banking, Mobile Banking, and Bill Pay.

Business Customer Assistance
For business loan customers, processes are in place to assist in loan payment deferrals or other accommodations:

Limits on Mobile Banking deposit transactions have been raised temporarily so that customers have the ability to deposit checks in both higher dollar amounts and number.
For business customers impacted by COVID-19, there is potential fee relief for the Bank’s deposit and lending solutions.

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Our relationship managers are equipped to support our customers’ unique circumstances.

If you are experiencing financial hardship due to COVID-19, please call us at 1-844-413-5463 before your situation escalates.

Economic Impact “Stimulus” Payments

The Internal Revenue Service and the Treasury Department have begun delivering a second round of Economic Impact Payments as part of the American Rescue Plan Act of 2021 to millions of Americans. Together we continue to face the challenges of the pandemic and we understand how important these payments are to so many of our customers. Below is helpful information on how you may receive your payment:

The initial direct deposit payments and paper checks are already being distributed. The IRS emphasizes that there is no action required by eligible individuals to receive this payment. For more information about eligibility, please visit the IRS website.

Paper check in the mail

Due to COVID-19, we encourage banking electronically when possible. If you receive a paper check, you can deposit it with your smart phone using Mobile Check Deposit or at any FCB Bank ATM or drive-up location.

Automatic Deposit

Your payment may be deposited directly into the same account you used when you filed your tax return. The payment will appear in your account summary as “IRS TREAS 310 XXTAXEIP3” or something similar. Use online banking or the FCBMD Mobile Ap‪p to conveniently verify the deposit.

Online Banking Alerts

Create an alert within Online Banking to be notified when your payment arrives. You can also set up account alerts to notify you when:

A deposit has posted to your account.
You reach a specific balance.
A check has cleared.
A bill payment or transfer has been completed.

Watch our online banking video to learn more about setting up account alerts. For more information about stimulus checks please visit the IRS website.

Paycheck Protection Program (PPP) - Update

Important: Program extended for new first-time and second-time borrowers through April 30, 2021.

The SBA Paycheck Protection Program (PPP) continues to provide funding for loans to small businesses which can be used for payroll costs, benefits, mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations. FCB Bank is committed to local businesses and has helped thousands of customers receive these much needed funds.

New First-time and Second-time Borrower Applications

With the passing of the PPP Extension Act of 2021, new applications are now being accepted for first-time and second-time borrowers through April 30, 2021. Below is information to keep in mind as you begin this process:

Your first step is to reach out to your loan officer.
Please let us know if this is your first or second loan request as there are different applications.
Your application will be processed electronically and a link to the online application will be provided.
Please remember the application is for the SBA and we are following their specific procedures in order to qualify for program funding.
Second-time borrowers have to meet additional criteria:
- Have less than 300 employees
- Have used or will use the dollars from the first PPP loan
- Show a 25% reduction in gross receipts year over year when comparing the same quarter in 2020 versus 2019

Forgiveness Process

Effective March 5, 2021, the SBA is accepting the simplified Forgiveness Application form for loans under $150,000 whereby the borrower signs and submits a one-page certification (3508S) to the lender. Please contact your Loan Officer to complete this process and you’ll receive an electronic file that contains the forgiveness form.

SBA PPP Loan Forgiveness

Lobby Procedure and Precautions

When you visit an office for an appointment or through the drive-up, you can be assured we are taking the necessary steps to create a safe environment.

To keep our lobbies clean and safe we:

Sanitize and clean in accordance with current recommended guidelines. This includes wiping down common surfaces and items with disinfectant made for coronavirus.
Provide hand sanitizer to use during your visit.
Have instituted capacity limits.
Have installed protective barriers at our teller windows and in the offices so you feel comfortable making your transactions.
Placed floor decals to help maintain social distancing and to designate walking paths.
Are wearing face coverings and washing our hands frequently.
Require all customers wear a face covering while visiting our locations.

Lobby Preparations for Reopening

Lobby Hours & Drive-Up Services

Select lobbies are open

Please check the chart below for hours and information about your preferred location. To request an appointment, call the Contact Center at 1-844-413-5463.

Please note: Transactions may take longer than normal at drive-up locations. For 4 or more transactions please make an appointment. We appreciate your patience.

Face Covering Requirement: Per CDC recommendations and for the health and safety of our team and customers, anyone visiting our lobbies must wear a face covering. Those without a face covering are encouraged to use our drive-ups for essential services and electronic banking whenever possible.

Location	Lobby Hours	Drive-up Hours
2 North on the Square 2 North Market St. 240-529-1550 24-Hour ATM Service	M-F 9:00 - 5:00 Sa 9:00 - 12:00	No Drive-up Service
Aspen Ridge 165A Thomas Johnson Dr 240-529-1573 24-Hour ATM Service	M-F 9:00 - 5:00	No Drive-up Service
Crestwood 6910 Crestwood Blvd. 240-529-1564 24-Hour ATM Service	M-Th 9:00 - 4:00 F 9:00 - 5:00 Sa 9:00 - 12:00	M-F 9:00 - 5:00 Sat 9:00 - 12:00
East Frederick 490 Monocacy Blvd. 240-529-1564 24-Hour ATM Service	M-Th 9:00 - 4:00 Fri 9:00 - 5:00	M-F 9:00 - 5:00
Walkersville 200 Commerce Dr. 240-529-1519 24-Hour ATM Service	M-Th 9:00 - 4:00 F 9:00 - 5:00 Sa 9:00 - 12:00	M-F 9:00 - 5:00 Sat 9:00 - 12:00

Other office locations in the Maryland and Pennsylvania areas:
NWSB Bank locations | ACNB Bank locations

FCB Bank Mastercard® debit card customers can also make surcharge-free ATM withdrawals at over 500 Sheetz® locations.

Man at computer with son

Online Banking

As always, you may access your accounts 24/7 using our online banking and mobile apps for individuals and businesses to...

Check balances
Send payments
Make mobile check deposits
And more

You can enroll on your computer or mobile device. If you need assistance, please call 1.844.413.5463. As an alternative, you may utilize Telephone Banking.

Enroll Now ONLINE BANKING VIDEOS

Wealth Management and Loan Questions

Our team of professionals is available to provide solutions, tailored to each individual customer. Should you have any questions or concerns, please reach out via email or phone so we can work with you during this time of uncertainty. Below are links to contact information:

Wealth Management Team

Agribusiness Team

Treasury Management Team
Call 1-866-584-8949 (ext. 2)

Commercial Lending Team
Call 1.844.413.5463

Resources

Health:

Business Resources:

Banking & Finance:

Other Resources:

As a community bank with a history that spans more than 160 years, we have endured trying times with our customers that have included wars, pandemics, bear markets, and recessions. Together, we will get through this crisis, and we will continue to make important decisions to positively support your financial needs and livelihood.

Support Local Businesses - We care about the small businesses in our local communities and encourage you to shop local when you can.