30 West Patrick Street
Frederick, MD 21701
(301) 620-1400
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Business Products
and Services
FCB1: FCB's first Business Courier Service vehicle
Switching to a new bank should be your decision.
That's why you should choose Frederick County Bank. We understand that running your
business can be complicated. We think banking shouldn't be. So whether you need a simple
checking account or feature-rich business service, we can help meet your needs. Plus, our
relationship officers are a team of experienced community banking professionals who want
to help you and your business succeed.
Please refer to the Business Accounts Fee Schedule available at any Frederick County Bank
branch for applicable fee information.
Checking
Analysis Checking
A good choice for the active business with high account transactions. Fees can be offset
by earnings credits for compensating balances.
Business Checking
The perfect fit for most small businesses with low to moderate (250 or less per month)
account transactions. Low minimum balance avoids monthly fee.
Non-Profit Checking
A non-interest bearing checking account designed especially for local qualified religious,
charitable, nonprofit organizations with low to moderate (250 or less per month) account
transactions. No minimum monthly balance requirement.
Business NOW Account
Interest-bearing checking account available to qualified nonprofit organizations and sole
proprietorships with low to moderate (250 or less per month) account transactions. Low
minimum monthly balance requirement.
IOLTA/MAHT
Interest bearing accounts for law firms and title insurers, respectively, who hold client
funds pursuant to Maryland law. Net interest is remitted as applicable to Maryland Legal
Service Corporation (MLSC) or Maryland Affordable Housing Trust (MAHT).
Business Money Market Account
Competitively tiered-rate interest-bearing account earns higher interest for higher
balances. Limited check writing and withdrawals.
Business Savings
Business Savings Account
Interest bearing savings account puts cash to work for your business. Low minimum balance
avoids monthly fee.
Business Certificates of Deposit
When you don't need access to your cash for a period of time, choose from a wide selection
of terms that offer flexibility in this bank-insured investment product. Please see our
Rates page on this Web site for current rate information.
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Cash Management
Business Online Banking
With the click of a mouse, enjoy our robust, real time browser-based cash management
system. Balance inquiry, transfers, ACH origination, and more... Please click
here to Find Out More about BOB!
Controlled Balance Account
Centralize funds in one account. This useful account structure maintains a target balance
by obtaining or returning funds from and to other Frederick County Bank accounts, which
may be operating accounts or interest earning.
Business Courier Service
FCB's business courier service saves time by picking up your business's non-cash deposits
on a prearranged schedule and bringing them to the Bank for processing ... one less thing
to worry about! We bring the Bank to your door!
FCB Sweep Investment Account
Earn interest in a choice of three money market funds with this automated overnight sweep
product linked to an analysis checking account. Not FDIC insured.
Other Services
Merchant Processing
Give your customers plenty of payment flexibility by accepting a variety of payment
methods. We give you convenient and competitive credit and debit card processing and
timely settlement to your Frederick County Bank checking account through our processing
partnership.
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Commercial Loans
At Frederick County Bank, we know that loans are
an invaluable part of doing business. Our lending services can help business owners like
you finance operations and growth.
Term Loans
Frederick County Bank offers a variety of term loans for use as long-term working capital
for business expansion, or for purchases of fixed assets such as equipment, vehicles, and
furniture.
Lines of Credit
Frederick County Bank offers lines of credit to help purchase inventory, to provide
required short-term or seasonal working capital, or to finance accounts receivable.
Letters of Credit
Frederick County Bank offers letters of credit where businesses require a guarantee of
performance or need credit support for accounts payable.
Real Estate
Frederick County Bank offers loans for acquisition or refinance of commercial real estate
for owner/user or investment purposes.
Construction
Frederick County Bank offers construction loans to developers and builders of commercial
properties and single-family home projects. FCB can also provide construction-to-permanent
loans to owner occupants of commercial properties.
Small Business Administration (SBA)
Frederick County Bank participates in the SBA's Loan Guaranty Program, and as such can
help you successfully apply for the SBA guaranteed loan you may need to help finance your
business requirements.
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FCB Online Banking
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CD & Loan
Interest Rates
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Market
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