Your Howard Bank Welcome Guide Is Here!

We’ve broken the guides into two booklets:

These welcome guides provide you with the information that you need to know about the transition of your personal and business accounts and banking services. We’ve highlighted the important information and have included details about new and exciting product offerings that will empower you to better manage your finances. Our team is here to support and guide you over the coming weeks to ensure a smooth transition to Howard Bank.

What’s Next?

  • Read Your Welcome Guide – As soon as you receive your Welcome Guide, please take the time to review the contents in detail. They both are available in the links above.
  • Account Transition Weekend – The transition to the Howard Bank system will start at 5:00 p.m. on Friday, May 4, 2018 and will be completed on Monday, May 7, 2018 at approximately 9:00 a.m.
  • Your new Howard Bank Visa® Debit/ATM card – New cards will arrive in the mail approximately (2) two weeks prior to your account transition. Once activated, your new card can be used starting Monday, May 7th at 9:00 a.m.

We are committed to giving you the best banking experience through all of your interactions with us. Howard Bank is here to be your partner. With any transition, there will be questions that arise as we work through the integration.  Our team is fully committed to making this a smooth process and we welcome the opportunity to answer any questions you may have.


Below are a few of the most commonly asked questions. The full list of FAQ’s can be accessed here.

Account Information

Will my account number(s) change?

No. Your account number(s) will remain the same.


Can I continue to use my current 1st Mariner Bank checks?

Yes. Continue to use your current 1st Mariner Bank checks until they run out.

Debit Cards

Will I receive a new debit card?

Yes. A Howard Bank Visa® Debit Card will be mailed to all active cardholders approximately two (2) weeks prior to the transition that begins on May 4th. Once activated, your new Howard Bank card can be used beginning Monday, May 7th at approximately 9:00 a.m. Your 1st Mariner Bank card will be deactivated at this time and should be destroyed promptly.

After Monday, May 7th please remember to change any automatic tied to your 1st Mariner Bank card to your new Howard Bank card.

Important Information to Keep in Mind

  • Continue to bank as you normally would.
  • While the name on your branch will change to Howard Bank, your account(s) and how you transact business will not immediately change.
  • Conduct business in any of the expanded Howard Bank locations. For a complete list of all branches, visit HowardBank.com/Locations.
  • You now have expanded access to additional resources such as branches, ATMs, and expert bankers to serve both your business and personal banking needs.
  • Communication will remain a priority. We will continue to keep you updated.
  • Is your contact information up to date?
    • For former 1st Mariner Customers, please call your preferred branch, 410-558-4200 or 1-888-561-BANK.
    • For Howard Bank customers, please visit www.HowardBank.com or call 410-750-0020.



About Us

Creating shared purpose: be more than a bank

Howard Bank was founded in 2004 and established its headquarters in Howard County, MD. The founders of Howard Bank saw a need for a local bank, with local expertise, to help small and medium sized businesses in the Baltimore Metropolitan Market. The bank made a strategic decision to focus on the Baltimore Market as opposed to the Washington, DC market largely primarily due to the stronger relationship orientation that exists in Baltimore. Relationships are the cornerstone to the principals at Howard Bank. At Howard Bank, we enjoy meeting new business owners and learning about what makes their business a success. Through these conversations, we look for opportunities to help businesses grow, either through a direct partnership or by making introductions to others in our community who may serve as a partner or as a client. Our banking professionals have years of experience helping businesses realize their full potential. Equally as important, we enjoy helping the business owners and their employees manage their financial needs.

In the early years, Howard Bank recognized the importance of having local branch offices to serve our clients’ needs but we also realized the importance of meeting our clients when and where they prefer. As a startup business ourselves, we understand the importance of time and we’ve tailored our delivery to bring the bank to our customers. With appointment banking, we will meet you in your office, in our office, in a coffee shop, on the golf course, or anywhere else you’d like to meet. We’re flexible both with location and time. We also understand the importance of having cutting edge technology to help our clients manage their finances in this fast-paced life.

As of October 2016, Howard Bank is over $1 Billion in assets and has 13 branch office locations up and down the I-95 corridor and around the I-695 beltway. The bank is strategically positioned to serve the financial needs of clients in the greater Baltimore Metropolitan and we continue to look for expansion opportunities to further grow relationships in our market.

The parent of Howard Bank announced the $163.4 million acquisition of 1st Mariner Bank in August 2017, creating the Baltimore area’s largest locally based bank with 21 branches and more than $2 billion in assets.

1st Mariner Account Information

1st Mariner Login Branch Locations


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