Personal Checking

Hands On Means We’ll Help You Get From Where You Are to Where You Want to Be.

It’s all connected. What you do in your professional life and what you want for your personal life. Whether you’re out there on your own, have a family or are somewhere in the middle, we feel a responsibility to be part of making success happen for you. You have short-term goals. We’ll help you to meet those. And at the same time, we’ll make sure we understand your big picture. Overnight success almost never happens overnight. Changing banks should be easy and with our team of professionals, it is!  Especially with our Howard Bank Easy Switch Kit.

Personal Checking

Check out our Rates!

Hands On. It means understanding what our customers are trying to get done every day. And realizing that there just isn’t enough time. Life is hectic. It also means knowing that you want a checking account that helps you manage your time and is priced right. That’s why we offer four convenient checking accounts in the communities we serve — Howard Super Checking, Howard Relationship Checking, Howard Xcellent and Howard Maximum Checking.

We don’t think you should have to pay for using an ATM. At Howard Bank you have surcharge-free access to over one million ATMs worldwide. We won’t charge you for using other banks’ ATMs and we’ll rebate the surcharge that other banks impose at their ATMs — *unlimited surcharge rebates on Howard Maximum, Relationship and Xcellent Checking. And up to 3 surcharges rebated per statement cycle on Howard Super Checking.

When you want access to your money, we offer convenient checking accounts for you to choose from. And you get our hands on approach to service and our focus on helping you to achieve your goals. Hands On. We can help you go from where you are to where you want to be.

See what our checking accounts have to offer:

Howard Maximum Checking

EARN OUR HIGHEST CHECKING INTEREST RATE WHILE ENJOYING OUTSTANDING CONVENIENCE.

  • Earn our highest checking interest rate on balances of $10,000 or more
  • Worldwide ATM convenience with no Howard Bank fee for using another bank’s ATM displaying the Star or Cirrus logos, and unlimited rebates of other bank’s ATM surcharges.
  • Free personal checks* (Any style)
  • Overdraft Privilege (ODP)($1,000.00 Max Limit)
  • Personal Online Banking
  • Mobile Banking
  • Online Bill Pay
  • Telephone Banking 1-877-527-2703
  • eStatements
  • Visa® Check Card
  • Interest on all balances with interest tiered so you can earn more on higher balances.

Maintain a $10,000 average monthly balance in the account. If you fall below the required balance levels or if you prefer to pay a flat fee, the monthly service charge is $20.00.

Howard Relationship Checking

OUR CHECKING ACCOUNT FOR CUSTOMERS WHO WANT THE REWARDS AND BENEFITS PROVIDED THROUGH A RELATIONSHIP WITH HOWARD BANK.

  • Worldwide ATM convenience with no Howard Bank fees for using another bank’s ATM displaying the Star or Cirrus logos, and unlimited rebates of other banks’ ATM surcharges.
  • Free personal checks* (Basic Style)
  • Overdraft Privilege (ODP)($1,000.00 Max Limit)
  • Personal Online Banking
  • Mobile Banking
  • Online Bill Pay
  • Telephone Banking 1-877-527-2703
  • eStatements
  • Visa® Check Card
  • Interest on all balances with interest tiered so you can earn more on higher balances.

Maintain an average monthly balance of:

  • $2,500 balance in your checking account, or
  • $5,000 balance in your combined deposit accounts, or
  • $10,000 balance in your combined deposit and personal credit accounts
  • If you fall below the required balance levels or if you prefer to pay a flat fee, the monthly service charge is $20.00.
Howard Xcellent Checking

OUR CHECKING ACCOUNT FOR CUSTOMERS OVER THE AGE OF 5o

  • Worldwide ATM convenience with no Howard Bank fees for using another bank’s ATM displaying the Star or Cirrus logos, and unlimited rebates of other banks’ ATM surcharges.
  • Free personal checks* (Basic Style)
  • Overdraft Privilege (ODP)($500.00 Max Limit)
  • Personal Online Banking
  • Mobile Banking
  • Online Bill Pay
  • Telephone Banking 1-877-527-2703
  • eStatements
  • Visa® Check Card
  • Interest on all balances with interest tiered so you can earn more on higher balances.
Howard Super Checking

AN ACCOUNT THAT DOESN’T SACRIFICE ON BENEFITS AND CONVENIENCE.

  • No minimum balance required
  • No monthly service charge
  • Worldwide ATM convenience with no Howard Bank fees for using another bank’s ATM displaying the Star or Cirrus logos, and up to 3 surcharges rebated per statement cycle on other bank’s ATM surcharges.
  • Overdraft Privilege (ODP) ($500.00 Max Limit)
  • Personal Online Banking
  • Telephone Banking 1-877-527-2703
  • eStatements
  • Mobile Banking
  • Online Bill Pay
  • Visa® Check Card

*Delivery charges apply

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