Personal Money Management and Tools

Life happens! Howard Bank understands that unexpected overdrafts occur from time to time – Having Overdraft Coverage Options can help.

Personal Overdraft Privilege Standard Coverage (See Personal Checking for Applicable Accounts)

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

With Overdraft Privilege Standard Coverage; we will cover Checks, ACH – Automatic Debits, Recurring Visa® Check Card Payments, Online Bill Pay Items, Online Banking Transfers, Telephone Banking and Teller Window transactions.  We also offer Extended Coverage which will cover ATM transactions and Everyday Visa® Check Card Transactions.

Personal Overdraft Extended Coverage

This option will help cover overdrafts caused by everyday Visa® Check Card and ATM withdrawals. Use the form below to provide your one time consent to utilize this coverage.

Overdraft Privilege Extended Coverage Opt In/Out Form

Personal Overdraft Protection

Overdraft Protection is a product that extends coverage to your checking account by automatically transferring available funds from another deposit account to help prevent unwanted overdrafts.

Overdraft Line of Credit

Our Overdraft Line of Credit provides overdraft protection for those unexpected times when you overdraw your account. Contact a Branch Representative or call 410-750-0020 for more information

Business Overdraft Privilege

Overdraft Privilege is a product that extends coverage to your checking account by automatically transferring available funds to help prevent unwanted overdrafts. This product is only available for Small Business Checking.

With Overdraft Privilege Standard Coverage; we will cover Checks, ACH – Automatic Debits, Recurring Debit Card Payments, Online Bill Pay items, Online Banking Transfers, Telephone Banking and Teller Window transactions.  We also offer Extended Coverage which will cover ATM transactions and Everyday Debit Card Transactions.

Money Management Tools

Let us help you simplify the balancing process of your finances to hopefully reduce the anxiety level when it’s time to review your statement.

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