With a Howard Bank Maximum Checking or a Howard Relationship Checking account, you enjoy worldwide ATM use with no Howard Bank fees for using another bank’s ATMs. We calculate that’s over one million ATMs. And we provide unlimited rebates of other bank’s ATM surcharges. So if they charge you, we pay you back. Howard Bank Maximum Checking and Howard Relationship Checking also comes with free online bill pay, free personal checks, interest on your balance, and more.