For most people, a checking account is the center of their financial life. At Howard Bank, we combine flexible checking account options with the kind of personalized service that’s hard to find at bigger banks. We also offer accounts that provide money-saving benefits on the things you're already paying for. See an overview of each account below or download our comparison chart (mobile-friendly) here.

Find the account that's right for you...




Anywhere Banking Tools
Visa® Debit Card, Online Banking, Mobile Banking, and more
Nationwide ATM Access
Access to over 37,000 surcharge-free ATMs
Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges
Health Savings Card
Save money on prescriptions, eye exams, and more
Cell Phone Protection1,2
Receive up to $400 per claim if your cell phone is broken or stolen
ID Theft Aid1,2
Includes $2,500 in personal identity theft benefit and identity restoration
$10,000 Travel Accidental Death Coverage2
Peace of mind for the unexpected
Local & National Discounts*
Save money with discounts and deals on shopping, travel, dinking, and more
Buyer's Protection & Extended Warranty1,2
For replacements, repairs, or reimbursements on purchases made with your Howard Bank checking account
Earn more with our competitive interest rates
Monthly Service Charge
Amount varies between accounts
Ability to Reduce or Avoid Monthly Service Charge
Accounts provide options for reducing or avoiding the monthly service charge