FBW Frequently Asked Questions

Branch Hours & Services Accounts & Banking Services CDs, Rates & Products Debit Cards & Digital Banking

Branch Hours & Services

What branches are open on Saturdays, and do you have lobby hours?

We have drive-thru only hours on Saturdays at the following branches:

7233 Main Street, Willards, MD
365 Tilghman Road, Salisbury, MD
28660 DuPont Blvd., Millsboro, DE
9701 Stephen Decatur Hwy., Ocean City, MD

Do you have a notary, and is there a charge?

Yes, each branch has a notary available. This is a free service for our customers. Please call 410-835-8906 to check availability.

Do you have coin counters, and are they available for non-customers?

We have coin counters available at our 611, 87th Street, Salisbury, and Millsboro locations. They are available for both customers and non-customers. We’re happy to buy your coin!

Accounts & Banking Services

Do you have account fees?

We do not charge monthly fees, minimum balance fees, or account maintenance fees.

What do I need to open an account, and how much is needed to open one?

To open a new account, we will need:

Full Legal Name
Tax ID Number
Phone Number
Email Address
Date of Birth
Mailing & Physical Address
Occupation/Title
Valid State ID/Driver’s License

Minimum opening deposits:

Checking: $25
Savings: $100
Money Market Accounts: $1,000

Click here for more information on each account type.

Do I need an appointment to open an account?

No appointment is necessary! Walk-ins are welcome during normal lobby hours. You can also open an account online using our Switch Kit.

Why should I choose FBW?

Choose FBW because your money stays local! We are committed to the communities we serve, and our priority is you, our customer.

Will you be offering any high-yield accounts?

At times, we offer special products. Contact your local Branch Manager to learn more.

CDs, Rates & Products

What are the rates, and when will they go up?

Our rates are updated every Tuesday afternoon (effective Wednesday morning). View our current rates.

Do you have a 3-month CD?

We do not currently offer a 3-month CD. However, our 6-month CD has a $1,000 minimum opening balance and offers a competitive rate based on the account balance.

Do you offer credit cards or will you be bringing a credit card back?

We do not currently offer credit cards and do not have plans to reintroduce them. However, we do offer debit cards.

Debit Cards & Digital Banking

How can I reset my debit card PIN?

You can reset your PIN, if your card is not locked, by calling 1-800-717-4923. To confirm your card is not locked, please contact our Customer Care Team at 410-835-8906.

How much can I spend with my debit card before I get declined?

Consumer Debit Cards: $1,500 daily transaction limit
Business Debit Cards: $2,500 daily transaction limit
ATM Withdrawal Limit: $500 for both card types

If you need to make a purchase beyond these limits, contact us at 410-835-8906.

Can I use my debit card outside the U.S.?

Yes, debit cards can be used internationally. We recommend contacting our Customer Care Team to place a travel alert on your card if traveling more than 200 miles from your home address.

Do you partner with Zelle?

We currently integrate with several cash apps, including PayPal, Cash App, and Venmo. While we do not currently partner with Zelle, we are in the process of introducing that functionality. Stay tuned for updates!

Why aren't funds immediately available when I submit a mobile deposit?

Mobile deposits are reviewed for proper endorsement before being accepted. The cutoff time for review is 3:00 PM on regular business days.