Coronavirus Update

COVID-19 and Our Commitment to You

During these unsettling times, our hearts go out to all who have been affected by COVID-19. Rest assured, FCB Bank is working diligently behind the scenes and remains committed to the health and well-being of our customers and employees. Financial institutions are considered essential services and so FCB Bank locations are open with drive-up service only. Please check this page before visiting an office.

 Face Covering Requirement

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

Drive-up Hours

How FCB Bank is Committed to You

Effective March 23, 2020 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.
  • All FCB Bank fees for customers using an ATM, regardless of the location, are waived until further notice.
  • Early withdrawal fees on CDs open greater than seven days are waived until further notice.
  • To assist customers in managing deposit accounts, fees for account transfers conducted via the Customer Contact Center are waived and there is potential fee relief for overdraft services until further notice.
  • 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.
  • All FCB Bank fees for customers using an ATM, regardless of the location, are waived until further notice.
  • Early withdrawal fees on CDs open greater than seven days are waived until further notice.
  • For business customers impacted by COVID-19, there is potential fee relief for the Bank’s deposit and lending solutions.
  • For all business customers, maintenance fees for Remote Deposit Capture services are waived until further notice.
  • For eligible business customers, the Bank is participating in any available government loan programs through the Small Business Administration or otherwise, including the Paycheck Protection Program.


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. 

FREE Health Savings and Identity Theft Protection

We’re all in this together and FCB Bank is here for you.  As part of our Advantage Rewards program we’re giving these health and safety related benefits (pharmacy/vision/ hearing savings and identity theft protection) to all of our customers (who don’t already have these benefits with their checking accounts) AT NO COST now through December 31, 2020.


FREE Health Savings and Identity Theft Protection

Assistance for Small and Mid-Sized Business

FCB Bank is committed to helping our customers and business owners. Please continue to check this website for updates on available programs and opportunities. 

CARES Act - Paycheck Protection Program

Update 4/27: Additional Funds Have Been Made Available

Like other financial institutions, FCB Bank is participating as a lender in the CARES Act Paycheck Protection Program (PPP). This nationwide loan program from the SBA is designed to help small and mid-sized business affected by COVID-19 retain employees and maintain payroll. Program funding is limited and distributed on a first-come, first-served basis.

FCB Bank is only accepting requests from customers with loan or deposit relationships established prior to March 1, 2020

Please call your commercial lender to start the application.


800 Local Businesses Helped with PPP Loans

Lobby Preparations

Our lobbies aren't open yet, but we'll be ready to welcome you back when we can. Our top priority continues to be keeping you and our teams safe and healthy.

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.
  • Are providing 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.
  • Will be requiring all customers wear face coverings while visiting our locations.

Lobby Preparations for Reopening

Drive-Up Services

For your safety, we are currently limiting access to our offices by providing drive-up services only. To request an in-person visit at a community banking office near you, please call the Contact Center at 1.844.413.5463. Please note: appointments will not be scheduled for the Aspen Ridge Office.  Also, the 2 North on the Square Office will not be available for appointments on 3/28.  However, an alternative office will be suggested.

The following locations will provide drive-up service only and the lobbies will be closed until further notice:

Please note: Transactions may take longer than normal at all drive-up locations. For 4 or more transactions, please call the Contact Center at 1.844.413.5463, to schedule an appointment. We are in this together and appreciate your patience during this trying time.

Face Covering Requirement: Effective 4/7/2020 per CDC recommendations and for the health and safety of our team and customers, anyone visiting our locations for an in-person appointment will need to wear a face covering. Those without face coverings are encouraged to use our drive-ups for essential services and electronic banking whenever possible


Drive-up Hours

2 North on the Square

No Drive-up Service

Aspen Ridge

No Drive-up Service

6910 Crestwood Blvd.

M-F 9:00 - 5:00
Sat 9:00 - 12:00

East Frederick
490 Monocacy Blvd.

M - F 9:00 - 5:00

200 Commerce Dr.

M - F 9:00 - 5:00
Sat 9:00 - 12:00

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.


Where's my stimulus money? Create an alert today.

Are you anxiously awaiting your stimulus money? Are you tired of logging in constantly to see if the money is there? If so, why not set up an alert and let us do the work!

Online Banking alerts provide a quick and easy way for you to stay on top of your account activity. Easily setup account alerts to notify you:

  • When a deposit has posted to your account.
  • When you reach a specific balance.
  • When a check has cleared.
  • When a bill payment or transfer has been completed.

Watch the video about setting up alerts or read about alert set-up in our online banking guide

For more information about stimulus checks please visit the IRS website.

Wealth Management, Loans and Mortgage Questions

Although we are closing community banking office lobbies and our Trust & Investment Services lobby to practice effective social distancing, our team of professionals is still 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

Mortgage Team

Agribusiness Team

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

Commercial Lending Team
Call 1.844.413.5463

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.

Enrolling in Online Banking is Easy

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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.

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