Modified Branch Access:
All branch locations with a drive-thru will operate via drive-thru services ONLY. Read here for more detailed information. 

As always, you have 24/7 access to your money via Online and Mobile Banking, as well as over 37,000 MoneyPass® and Howard Bank ATMs.

Howard Bank to merge with First National Bank.
A message from our CEO.

410-750-0020        Routing #: 0550‍03434
Blog Author: 
Smart Spend

By now, you should have received your Economic Impact Payment (stimulus check) if you were eligible to receive it by direct deposit. Some people may have needed to submit information to the IRS to receive their Economic Impact Payment by a check. You can sign in to your online or mobile banking app to see if your stimulus check has been deposited. Please note, Howard Bank does not control when payments will be deposited. If you have not yet received your check, you can track the status of your payment at

You might be wondering what to do with your stimulus check. In these uncertain times, the best thing you can do is plan ahead. Below are some helpful tips for using your stimulus check wisely:

  • Focus on the necessities: Prioritize to pay the bills that keep a roof over your head, the lights on, and food on the table. You should check with your local jurisdiction as many utilities and communications providers are working with customers to waive fees, provide power, or keep your internet connected.
  • Talk to your banker: At Howard Bank, we’re dedicated to helping you make the right choices for your finances. You may need a loan or even loan modifications. We’re happy to help guide you to the best of our abilities.
  • Don’t hoard cash: Keep your money in your bank account. It’s safest there and may even earn interest! As an FDIC Insured bank, Howard Bank customers have protection for up $250,000 per depositor, per institution, and per ownership category.* Howard Bank is also an Insured Cash Sweep® (ICS) network member. That means having access to multi-million-dollar FDIC protection. If you have large-dollar deposits, you can learn more about the ICS service here.
  • Save what you can: Even if it’s just $100-200, that can help to provide a cushion for future bills or emergency needs. If your check was not directly deposited and you received your check by mail, you can deposit the funds with your mobile phone! Watch this quick video to see how easy it is to make a mobile deposit.
  • Protect it from scammers: Unfortunately, there are many scammers trying to use this crisis to get your money. Be cognizant of suspicious emails, texts, or phone calls. Visit our Security Center to learn about how you can help prevent and monitor for scams. 
  • Pay your taxes: The deadline for filing and paying income taxes has been extended to July 15th, so if you haven’t saved to pay your income taxes, you may want to consider using the stimulus check to pay your taxes.
  • Donate it (if you can afford to do so): Food banks and other charities are seeing a rise in demand for their services. If you are lucky enough to be financially unaffected by the coronavirus, donating your stimulus check could make all the difference in someone else’s future. You could even purchase supplies for making masks and give them to your local communities. There are many ways to step up and be a good neighbor in these trying times. 

And since we mentioned taxes… if you have refunds coming your way, be sure to consider these tips again!

*FDIC insurance covers deposit accounts – checking, savings, and money market accounts, and certificates of deposit.  FDIC deposit insurance does not cover other financial products and services that insured banks may offer, including stocks, bonds, mutual funds, life insurance policies, annuities, municipal securities, or safe deposit boxes and their contents.
For more information about FDIC insurance visit: 

Friday, May 29, 2020
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