Ready Reserve Overdraft Protection

Avoid the issues of becoming overdrawn with a line of credit* attached to an FCB checking account. Funds are automatically transferred up to the available credit limit in the event of an overdraft.

*Application subject to credit approval.

FCB VISA® Debit Card

There is no need to carry cash when you can enjoy real purchasing power with the card that works like a check (and also provides ATM access!) All transactions are subject to available funds and daily transaction limits. To report a lost or stolen card, please call FCB Operations at 301-620-1400 during regular business hours or 1-800-500-1044 during non-business hours.

Automated Teller Machines (ATMs)

Frederick County Bank offers a 24-hour ATM at each of its convenient branch locations. See our Locations and Hours page for more details. Additionally, FCB customers can make up to six (6) ATM withdrawals per month, at non-Frederick County Bank ATMs, with no FCB transaction fee. (ATMs must participate in the Cirrus or STAR networks).  And even better, enjoy completely surcharge-free ATM access at over 65 ATMs in Frederick County and 50,000 ATMs nation-wide through the Allpoint®, InterCept™, MoneyPass®, and STARsf® ATM Networks.

FCB Phone 24: 1-877-236-1485 (toll-free)

Use 24-hour Telephone Banking from anywhere with a full menu of account access, transfer and fax statement functions.

Business Night Depository

Drop off business deposits after hours for convenient processing during our next business day.