Coronavirus Update
COVID-19 and Our Commitment to You
FCB Bank remains committed to the health and well-being of our customers and employees.
Open for in-person services
Community Banking Offices are open for in-person services. Please check current hours before visiting an office.
Face Covering Requirement
Per CDC recommendations and Maryland State requirements, everyone must wear a face covering when visiting our lobbies. 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.
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.
- 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.
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.
Paycheck Protection Program (PPP) – Forgiveness
Updated 10/1/2020
We are starting to get a lot of anxious questions regarding PPP Forgiveness. While we are looking to start the PPP Loan Forgiveness process in October, there is still pending legislation that could substantially reduce the level of supporting documentation required by the SBA. We will contact you via e-mail when the process begins. Some of the earlier PPP loans were to begin repayment in October; however, please note that all loans are subject to the updates from the PPP Flexibility Act, regardless of the loan agreement language.
Per the PPP Flexibility Act and subsequent SBA guidance, as long as a Borrower submits its loan forgiveness application within ten (10) months of the completion of the Covered Period, the Borrower is not required to make any payments until the forgiveness amount is remitted to the Lender by SBA. If the loan is fully forgiven, the Borrower is not responsible for any payments. If only a portion of the loan is forgiven, or if the forgiveness application is denied, any remaining balance due on the loan must be repaid by the Borrower on or before the maturity date of the loan. Interest accrues during the time between the disbursement of the loan and SBA remittance of the forgiveness amount. The Borrower is responsible for paying the accrued interest on any amount of the loan that is not forgiven. As a reminder, the PPP Flexibility Act allows the Borrower to extend its Covered Period from 8 weeks to the earlier of December 31, 2020, or 24 weeks from the date of the loan.
Based on the PPP Flexibility Act and subsequent guidance, we do not anticipate that PPP Borrowers will need to make payments in October and November so long as they timely submit a forgiveness application, when we are ready to accept them.
We know many of you are anxious to start this process, and we are too. However, we believe that waiting a bit longer to take applications will allow us to refine our planned process and incorporate the ever-changing guidance and interpretations issued by the SBA. Taking the time to do this right will benefit everyone. In addition, we are keenly monitoring the proposed legislation to grant expedited or automatic forgiveness of small PPP loans under $150,000 and although the likelihood of legislative consensus appears to be decreasing, it is possible that this proposed legislation may come to fruition.
We are committed to you and your business. Thank you for choosing your local, community bank!
Lobby Procedure and Precautions
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.
- 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 face coverings while visiting our locations.
Lobby Hours & Drive-Up Services
Welcome Back! We Look Forward to Seeing You
Banking offices are now open and we look forward to seeing you soon! Please check the chart below for hours and information about your preferred location. Drive-up services and electronic banking services also remain available and active.
Please note, transactions may take longer than normal at drive-up locations. For 4 or more transactions please come into the office. 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 face coverings 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 |
M-F 9:00 - 5:00 |
No Drive-up Service |
|
Aspen Ridge |
M-F 9:00 - 5:00 |
No Drive-up Service |
|
Crestwood |
M-Th 9:00 - 4:00 |
M-F 9:00 - 5:00 |
|
East Frederick |
M-Th 9:00 - 4:00 Fri 9:00 - 5:00 |
M-F 9:00 - 5:00 |
|
Walkersville |
M-Th 9:00 - 4:00 |
M-F 9:00 - 5:00 |
Other office locations in the Maryland and Pennsylvania areas:
NWSB Bank locations | ACNB Bank locations
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.
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:
Treasury Management Team
Call 1-866-584-8949 (ext. 2)
Commercial Lending Team
Call 1.844.413.5463
Resources
Health:
- Centers for Disease Control and Prevention
- World Health Organization
- Department of Veteran Affairs
- Maryland Department of Health
- National Governors Association
Business Resources:
- SBA.Gov COVID-19 Small Business Guidance & Loan Resource
- SBA Coronavirus Relief Options
- Small Business Development Center (SBDC) Resources
- CDC Guidance for Businesses and Employers
- US Chamber of Commerce
- Maryland Coronavirus Information for Businesses
- Maryland COVID-19 Emergency Relief Fund Programs for Businesses
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.
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