Coronavirus Update

COVID-19 and Our Commitment to You

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

Effective 11/27 - Locations will be drive-up and by appointment only

Starting November 27, 2020, Community Banking Offices will be drive-up service and by appointment only. If you have an immediate need that cannot be addressed through the drive-up or electronic services, please call 1.844.413.5463 to schedule an appointment. Thank you for helping us keep our customers, community, and team members safe. Please check the current hours of your preferred location before visiting.

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.

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.


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 Coronavirus Response and Relief Supplemental Appropriations Act of 2021 to millions of Americans who received the first round of payments earlier this year.  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 and will continue through January. The IRS emphasizes that there is no action required by eligible individuals to receive this second 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 ACNB Bank ATM or drive-up location.

Automatic Deposit

Your payment may be deposited directly into the same account you used when you filed your 2019 tax return. The payment will appear in your account summary as “IRS TREAS 310 XXTAXEIP2” or something similar. Use online banking or the ACNB 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) – Forgiveness

Congress passed a new round of COVID-19 relief legislation on December 21, 2020, including an additional $284.6 Billion in SBA Paycheck Protection Program (PPP) funding for loans to small businesses. This also includes borrowers who have previously received a PPP loan. This new legislation represents the second largest stimulus in history, behind only the CARES (Coronavirus Aid Relief and Economic Security) Act that Congress enacted in March. The bill is being forwarded to President Trump to sign into law. The SBA then has 10 days from enactment to issue guidance/rules under which the PPP will operate for first time and second time borrowers.

The new legislation also impacts the PPP Forgiveness process, including the creation of a simplified Forgiveness Application form for loans under $150,000 whereby the borrower signs and submits a one-page certification to the lender. The SBA must create this form within 24 days of enactment and the borrower must attest that they have accurately supplied the required certification and followed relevant program requirements.

As a result of the above recently approved legislation, FCB Bank is taking a temporary pause and not accepting new Forgiveness Applications until the new simplified process for loans under $150,000 has been completed by the SBA. This is estimated to be around the third week of January 2021. FCB Bank will continue to process loan Forgiveness Applications for loans $150,000-and-greater. If you have already submitted to the Bank your electronic forgiveness application (for a loan under $150,000), please contact your Loan Officer if you would like to take a temporary pause until the new simplified forgiveness procedures become available in mid-to-late January.

PPP applications for FIRST-time or SECOND-time borrowers are NOT being accepted at this time. We are awaiting confirmation from the SBA and are anticipating being able to accept applications the week of January 18th. Please check here for additional updates.

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 face coverings while visiting our locations.

Lobby Preparations for Reopening

Lobby Hours & Drive-Up Services

Starting 11/27 our locations will be drive-up and by appointment only

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 face coverings are encouraged to use our drive-ups for essential services and electronic banking whenever possible.


Lobby Hours Drive-up Hours

2 North on the Square
2 North Market St.
24-Hour ATM Service

By appointment only
M-F 9:00 - 5:00
Sat 9:00 - 12:00

No Drive-up Service

Aspen Ridge
165A Thomas Johnson Dr
24-Hour ATM Service

By appointment only
M-F 9:00 - 5:00

No Drive-up Service

6910 Crestwood Blvd.
24-Hour ATM Service

By appointment only
M-Th 9:00 - 4:00
Fri 9:00 - 5:00
Sat 9:00 - 12:00

M-F 9:00 - 5:00
Sat 9:00 - 12:00

East Frederick
490 Monocacy Blvd.
24-Hour ATM Service

By appointment only
M-Th 9:00 - 4:00
Fri 9:00 - 5:00

M-F 9:00 - 5:00

200 Commerce Dr.
24-Hour ATM Service

By appointment only
M-Th 9:00 - 4:00
Fri 9:00 - 5:00
Sat 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.


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

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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