The 5 Best Banks Around Frederick

The Best of the Best celebrates the people and institutions that keep Frederick thriving—and few sectors are as central to daily life as banking. A 2024 Federal Reserve survey found that 83% of Americans rely on banks for financial services, yet many choose local or regional institutions for their personal connection and community investment. In Frederick County, banks play more than a transactional role. They support small businesses, sponsor local causes and help residents build their futures through personalized service and financial expertise.

Woodsboro Bank

Founded in 1899, Woodsboro Bank has grown alongside Frederick County, maintaining its identity as a true community bank. Its team members emphasize relationships over transactions, often describing their role as “neighbor helping neighbor.” The bank provides a full suite of personal and business products, including commercial lending, mortgages and digital banking, while keeping decision-making local. Beyond financial services, Woodsboro Bank encourages employee volunteerism and invests in educational and charitable initiatives throughout the county. This local-first philosophy helps reinforce a trust-based bond that spans generations of Frederick residents.

Middletown Valley Bank

Middletown Valley Bank began serving its community in 1908 and continues to prioritize a personal touch in an increasingly digital banking landscape. Its “Absolutely Exceptional Experience” promise guides everything from customer service to commercial lending. The bank offers flexible financial tools for individuals and businesses, including online and mobile banking solutions designed for convenience without sacrificing personal connection. With branches in both Frederick and Washington counties, Middletown Valley Bank combines historic roots with a modern approach—balancing technology and trust in equal measure.

PNC Bank

With more than 160 years of history, PNC Bank operates on a national scale but remains focused on delivering community-level service. Its Frederick-area branches offer retail banking, mortgages, auto loans, credit cards and business banking, providing one-stop access to a broad range of financial solutions. The bank also emphasizes financial education, sustainability and neighborhood revitalization as part of its corporate mission. For residents seeking a blend of stability and innovation, PNC brings both legacy and leadership to local banking.

ACNB Bank

ACNB Bank traces its beginnings to 1857 and has built a reputation for reliability across Maryland and Pennsylvania. Its Frederick branch represents that tradition with a focus on personal attention and practical financial solutions. The bank offers checking and savings accounts, business lending and wealth management, supported by a team that values long-term relationships. Its deep regional roots and emphasis on consistent, personalized service make it a trusted name for those who prefer community-centered banking backed by modern capabilities.

M&T Bank

M&T Bank has been part of the Mid-Atlantic financial landscape for more than 165 years, balancing large-scale resources with a focus on individual service. Its Frederick branches provide comprehensive banking options for consumers, small businesses and corporations, including lending, savings and digital tools. The bank’s commitment to community development is visible through its partnerships with local nonprofits and small-business initiatives. M&T’s philosophy is simple but enduring: strong communities create strong banks, and vice versa.

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