We are a relationship-focused community bank with local teams committed to the communities where we live and work. Customers across central Maryland choose Howard Bank because we offer:

  • Responsiveness: When you have questions, you’ll be able to talk to a real banking expert instead of a computer. Our employees will personally resolve your questions and issues.
  • Transparency: We offer simple, straightforward account options without complex rules or fees.
  • Easy access: You can bank at home, in person or on your mobile device. With 21 full service Maryland branches, 10 dedicated mortgage branches, a commercial office in Delaware and worldwide ATM access, you’re never far from your money. 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.*


We offer personalized support for businesses in Baltimore, throughout Maryland and into northern Virginia, Delaware, Pennsylvania, and Washington, D.C. As friends and neighbors who are invested in our local community, our goal is seeing your business succeed. Our business banking options include:

  • Online & mobile business banking: Businesses can access accounts online 24/7. Learn more about online business banking and mobile banking for business.
  • Business checking: We offer multiple checking account options to fit your business. Find out more about business checking
  • Savings and money market accounts: Grow the value of your extra business funds faster. Learn about our savings and money market accounts for businesses.
  • Treasury management services: We provide cash management support to help you manage your money more efficiently. Find out about our treasury management
  • Merchant services: We can help you set up credit card, debit card and other payment types. Learn about our merchant services.
  • Commercial loans and financing: We offer flexible business lending options to help you grow your company. Read about our commercial loans and financing.
  • Credit cards: Our credit cards for businesses make it easy to track your expenses. Find out about our business credit cards.


Our goal is to make personal banking a little more personal. We give you a wide range of personal banking options to fit your needs. If you need help, our local team is here for you. Howard Bank services include:

  • Online banking: Our online banking platform makes it easy to access your accounts, transfer funds and pay bills anytime, anywhere. Learn more about online banking.
  • Mobile banking: Howard Bank’s iPhone, Android and tablet apps let you view transactions, deposit checks and transfer money with a mobile device. Find out more about mobile banking.
  • Checking accounts: Our straightforward checking account options include free personal checking and interest-bearing checking accounts. Learn more about our checking account options.
  • Savings and money market accounts: We help you plan for the future, with multiple options to fit your unique needs. Find out more about our savings and money market accounts.
  • Certificates of deposit (CDs): CDs give you the security of savings with a higher interest rate. Learn more about our IRA-qualified certificates of deposit (CDs).
  • Credit cards: We offer credit card options for people looking for rewards. We also have secured cards to build or repair your credit. Find out more about credit cards.
  • Personal loans and lines of credit: When you apply for a personal loan, a local banker – not a computer – will review your loan. Learn more about personal loans and lines of credit at Howard.

Ready to get started?

Open an account  today! Call us at 410-750-0020 or stop by one of our branch locations to speak to a banking expert.

See our Schedule of Charges (PDF download) for details on account fees.

*Unlimited surcharge rebates on Premium and Relationship and up to 3 surcharges rebated per statement cycle on Super Checking.