When you bank with Howard you can rest assured that your security is our first priority. We monitor your personal and business banking accounts 24/7 for security threats and alert you at the first sign of fraudulent activity. Learn more below.

Business Banking Account Security
From identity theft prevention to fraud protection, we use the latest technology to keep your business’s financial information safe. Our security tools include:

  • Tokens: This small, handheld device provides a unique password with the touch of a button. 
  • Positive Pay: This online tool ensures that we process only the transactions you authorize. Find out more about Positive Pay with online business banking.
  • Encryption: We use advanced technology to protect your information and accounts.

There are simple steps you can take to help protect your business account. Howard Bank’s fraud prevention team provides tips to keep your business banking account safe from fraud and other security risks. Download our fraud risk management brochure (PDF download). Are you doing enough to minimize the risks of financial fraud to your business? Take the business risk assessment (PDF download).

Personal Banking Account Security
Our security procedures use advanced technology to keep your personal financial information safe from fraud risks. Through our partnership with FraudWatch® PLUS, we protect your personal banking accounts using these tools:

  • Advanced Online Encryption
  • Multiple Layers of Authentication
  • Continuous Account Monitoring
  • Alerts for Fraudulent Emails and Scams

Our fraud prevention team will alert you by phone and email the moment we suspect any fraudulent activity in your account.


You’re the first line of defense when it comes to keeping your private financial information out of the hands of criminals. We’ve put together some easy ways to keep your account safe and avoid identity theft.

Regulation E Protection for Consumers
Regulation E limits a consumer’s liability for unauthorized electronic funds transfer (EFT) transactions. In general, an EFT is unauthorized if all 3 of the following apply:

  • A person other than the account holder initiated the EFT
  • The account holder did not authorize the EFT
  • The account holder did not receive any benefit from the transaction

Protect Your Credit
Consumers qualify for a free annual credit report from each of the three nationwide consumer reporting companies- Equifax, Experian, and TransUnion. Find out more information (PDF Download)

Report Fraudulent Activity or Ask Questions About Security

Please call 410-750-0020 if you have questions about our online banking security measures or need to report suspicious activity.