Who We Are

Committed to Frederick

For everywhere you go and for all the things you are committed to, you can count on FCB Bank to be your local financial partner for life. “Committed to Frederick” is more than just words; it’s a promise to build a rewarding relationship and stand beside you through all of life’s important moments – large and small. We pledge to offer the best solutions in products, services and support every step of the way.

What We Do

FCB Bank is your local source for banking expertise, products, services and technology to achieve your financial goals.

A History of Commitment

We continue to do business using our 160-year-old principles to form personal relationships with our customers so that we can share their vision of success. FCB Bank and ACNB Bank enjoy a shared vision of community banking to meet the needs of multiple generations.

What We Believe

Young adults volunteering in the communityProud to lend a helping hand.

Through a number of meaningful initiatives, we engage, inspire and connect our employees and customers with the many nonprofit and civic organizations we support. We also bring financial literacy presentations to hundreds of adults and school students every year.

More financial solutions.

As a division of ACNB Bank, FCB Bank can provide more financial solutions than ever before. That means more convenience, products, services and technology to support the unique needs of our customers. 

Small Business OwnerFor everything you’re committed to, we’re with you.

We’re focused on some pretty big moments our customers make every day – starting a new business, buying a new home or car to the first day of college or start of retirement. Every step of the way, we will be there as a trusted, lifelong financial partner. 

bridge on carroll creekCommunity banking continued.

Through the years, we have been there for our customers and shared communities by providing local support and financial solutions to achieve their goals. We look forward to serving our customers with the same level of commitment and enthusiasm that has become the standard for everything we do.

Our Story


Frederick County Bank opened it's doors in October 2001, with the goal of helping local businesses, individuals, and families manage, save, and enjoy their money.

In 2020, Frederick County Bancorp, Inc., the parent company of Frederick County Bank, and ACNB Corporation, a community banking organization headquartered in Gettysburg, Pennsylvania, and originally founded in 1857, joined together to create an even better community bank to meet your financial needs.

Our two organizations share a tradition of delivering the best experience to every customer and caring about the communities, businesses and people served. A steadfast determination to building an even stronger community bank means the legacy will continue for future generations.

We are extremely proud to be your full-service community bank in Frederick County. It is our vision to fulfill this role by building relationships with you and finding solutions for your financial needs. With familiar faces to assist you during this transition, we look forward to serving you – now and in the future. 

The 5 community banking offices in Frederick County, MD, now operate under the brand of FCB Bank, a division of ACNB Bank.

Click here to read the Press Release dated January 13, 2020