Community-Based Businesses

Small and community-based businesses are a big part of what keeps our Frederick community vibrant and unique. From locally-owned restaurants, shops, and entertainment to craft breweries, wineries, and distilleries, Frederick has a lot of offer.

At FCB we believe in entrepreneurs and innovators, disrupters and trailblazers, and those looking to turn their ideas into reality. We know the challenges and rewards of the business journey because we ourselves have grown from a core group of individuals with a dream to a team of 75 employees supporting that common goal. FCB provides forward-thinking services and integrates technology into both our products and our approach. When you need flexible financial solutions for your business, we're ready to support you - because we understand where you are and where you're headed.

Check in with your business

When evaluating what you may need for your business consider the following:

  • How do your customers want to pay? What challenges have you faced handling mobile, credit card, and check payments?
  • What delays do you experience from receipt of credit card payment from your customer to available funds in your bank account?
  • What upgrades or remodeling plans do you have to differentiate your business from others in the area and national competitors?
  • How do daily and seasonal changes in customer traffic affect your cash flow?
  • How do your payment terms with vendors affect your operations and cash flow?
  • What difficulties do you face in paying staff, payroll taxes, and reporting?

more than a bank logo

Need Help Deciding?

There are a lot of options and solutions available for your business. One of our relationship managers or bank center team members would love to learn more about your specific goals and needs.

Say Hello

Recommended Products & Services

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Business Financing

The right loan or line of credit can help you finance your project or improve your workflow. When you’re building, running, or expanding your business a loan can be an essential tool. FCB offers conventional loans, SBA loans, and USDA loans

Find the Right Loan

FCB debit card on computer

Point of Sale Tools

As a merchant, you know how important it is to offer your customers a range of payment options. From card to mobile,
FCB can help you with the technology and resources to accept transactions quickly, easily, and in a cost-effective way

View Sell & Invoice Tools

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Protect Your Accounts from Fraud

Prevent fraudulent and unauthorized activity from checks and ACH actions with Positive Pay and ACH Account Block. Together with FCB, these services help you set protections and review criteria that lessens your risk of being a target of fraudulent activity.

Protective Products

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Mobile & Online Banking

You’re busy helping people in our community, FCB’s mobile and online platforms for business can make it easy for you to work smarter, not harder and focus on what you love

Bank From Anywhere

FCB Courier car on Route 15 in Frederick

Business Courier Service

Have a lot of donation checks? FCB Business Couriers offer door-to-door service for your noncash deposits. We know you’re busy, why not let us save you a trip to the bank?

Learn More

air balloon above FCB downtown Frederick

Night Depository

Deposit your daily cash, checks, and credit card slips outside of normal banking hours for processing the next business day. All FCB locations have a business night depository.

Find an FCB bank center

Community Banking Begins Here

FCB sign with cherry blossoms blooming

Benefits of Community Banking

Where you choose to bank matters. It’s your voice on what’s important to you and an opportunity to be part of a larger movement that has a big impact. The same way you may shop local stores, buy local produce and foods, and support local charities, when you bank locally you are investing in the success and prosperity of our community. How does it work? Every bank invests in something. Community banks like ours, invest in the local economy through things like small business loans.

Community Banking Benefits


Team FCB outside of Pretzel and Pizza Creations in Downtown Frederick

How we #goLocal

At FCB we believe in supporting locally-owned businesses because that keeps our economy strong and our community vibrant. See how the Frederick County Bank team celebrates #goLocal every Wednesday with food, entertainment, shopping, and volunteering. Say hello, join the fun, and send us your recommendations.



Meet the Business Relationship Team

FCB Relationship Managers and the business development team are a great resource for your business. They can help you decide what products and services are best suited to your individual business needs, goals, and dreams. Connect with them to schedule a conversation.