Business Checking

Howard Bank was not designed to be a bank for everyone. We are a bank that understands businesses, business owners and professionals in the communities we serve. We want to help you succeed. In fact, we feel a responsibility to help you do just that. We hope to have an opportunity to sit down with you so that we can do some planning together and discuss the solutions and banking products that we offer to businesses. Because, you’re why we’re here.    Check out our Rates!

Small Business Checking

Howard Bank’s Small Business Checking is ideal for businesses with limited checking account activity. There is no monthly maintenance fee and no minimum balance requirement. Check out what this account offers:

  • No monthly service charge and no minimum balance requirement. Our Small Business Checking account is free of monthly service charges – perfect for the small business that needs to use their available funds to grow their business.
  • The first 150 debit/credit items are free.** There is no charge for deposit tickets.
  • Overdraft Privilege (ODP)-Extend the coverage to your checking account by automatically transferring available funds to help prevent unwanted overdrafts.
  • Free first order* of checks and more: Your first order of our special Small Business Checking Checkbook package is free and includes 150 wallet checks (single or duplicate), 40 duplicate deposit tickets, an endorsement stamp, classic leather cover, register and free standard logo. A great value and one that most banks can’t match.
  • Outstanding convenience-In addition to all the great features of this account you don’t sacrifice convenience:
  • Free Business Online Banking, Bill Pay and Mobile Banking
  • Free Howard Bank Visa Business Debit Card

Community Business Checking

An interest bearing checking account built for sole proprietors and not-for-profits.

  • Earn interest based on your average daily available balance.
  • You pay no monthly maintenance fee if you maintain a $3,500 average daily balance in your business checking.**
  • 350 debit and credit items per month free.** There is no charge for deposit tickets.
  • $100 credit given towards your first order of checks.*
  • Free Business Online Banking, Bill Pay and Mobile Banking.
  • Free Howard Bank Visa Business Debit Card

Business Relationship Checking

Built to offer flexibility for your business needs and to reward you for your relationship with Howard Bank. This account allows you to use the balances in your checking, deposit and credit accounts to avoid a monthly fee and enjoy up to 500 free items per month.

  • Relationship priced – You pay no monthly maintenance fee if you maintain a $10,000 average daily balance in your business checking, $25,000 average daily available balance in your combined business deposit accounts or $50,000 average daily available balance in your combined business deposit and outstanding credit balances.**
  • 500 debit and credit items per month free.** There is no charge for deposit tickets.
  • $100 credit given towards your first order of checks.*
  • Free Business Online Banking, Bill Pay and Mobile Banking.
  • Free Howard Bank Visa Business Debit Card

Business Solutions Checking

Targeted for businesses with higher activities, higher balances and/or more complex needs.  Our account gives you the ability to combine the strength and balances of all of your accounts into one entire business deposit relationship and get credit for those deposits. Your deposit balances then generate an earnings credit to help offset the cost of many activity fees.  In addition, your detailed statement provides useful cash management information.

  • Earn credit on your balances to offset some or all of your fees.
  • Account activity is reviewed on a three month basis to smooth out the seasonal and occasional changes in your business activity.
  • You receive a detailed monthly statement of your transactions and balances, plus a summary of services used.
  • Free Business Online Banking, Bill Pay and Mobile Banking.
  • Free Howard Bank Visa Business Debit Card

Interest on Lawyer’s Trust Accounts (IOLTA) Checking

Maryland Affordable Housing Trust (MAHT) Accounts

Additional Checking Services:

We know that, whatever checking account is right for you today, you also want your bank to provide flexible and convenient services that fit your business’s needs.  Some of the additional services Howard Bank offers include:

  •  Manage your cash availability with our extended same day credit window (4:00 p.m. vs the traditional 2:00 p.m. offered by many other banks).
  • After-hours deposit services (night depositories).

*Delivery charges apply.
**Please contact your closest Howard Bank branch or call us at 410-750-0020 for additional information on all of our general account services and fees.

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