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.
410-750-0020 Routing #: 055003434
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Checking: Easy account options to guide your finances
Checking Accounts
Checking Comparison Chart
| Super Checking | Relationship Checking | Premium Checking | |
|---|---|---|---|
| Description | An everyday account that doesn’t have minimums | Earn interest along with the benefit of relationship pricing | Earn our highest interest rate while enjoying outstanding convenience |
| How to Avoid Monthly Service Charge | Enrollment in eStatements | An average monthly balance of $2,500 in checking OR $5,000 in combined deposit accounts OR $10,000 in combined deposit and personal credit accounts OR You have a business checking account | $10,000 average monthly balance in the account OR $15,000 in combined deposit accounts OR $25,000 in combined deposit and personal credit accounts |
| Monthly Service Charge | $0 if the above requirement is met, otherwise $2. | $0 if any above requirement is met, otherwise $20 | $0 if any above requirement is met, otherwise $20 |
| Interest Earning | No | ||
| No Howard Bank Fee at Other Bank’s ATM | |||
| Rebates of Other Bank’s ATM Fees | None | Unlimited | Unlimited |
| Debit Card with Chip Technology for Added Security | |||
| Online and Mobile Banking | |||
| Check Benefits | Checks available – fee depends on style ordered | Free basic style checks – shipping free on first order | Free basic style checks – shipping free on first order |
Checking Products & Services
Our banking experts will work with you to help you choose the right account for your needs. We offer personal checking accounts from interest-bearing accounts with no hidden fees to options for both low and high-balance accounts.
All of our checking accounts come with free Online Banking and Mobile Banking access so you can manage your finances on the go.
Our Checking Account Options Include:
- Super Checking: We give you all the basics, with no minimum account balance. Learn more about Super Checking.
- Relationship Checking: Designed specifically for customers who want features and benefits that come from a more in-depth relationship with Howard Bank. Our Relationship Checking account is an interest bearing account combined with relationship pricing. Learn more about Relationship Checking.
- Premium Checking: Earn our highest interest rate while enjoying outstanding convenience.This interest-bearing checking account provides no fees for using another bank’s ATM and unlimited rebates of other bank’s ATM surcharges. Learn more about Premium Checking.
Why Choose a Howard Bank Checking Account?
As locals who live and work in Baltimore and its surrounding counties, we’re invested in the financial health of the communities we serve.
When you open a checking account with Howard Bank, you can rely on us for:
- Transparency: With our checking accounts, you can say goodbye to hidden fees. We offer simple, streamlined checking account options as part of our commitment to being open, honest neighbors.
- Expert service: If you have questions, we’re here to help. You won’t be trapped in an automated call system. Our banking experts take ownership of resolving your issue or question from the first time you call.
- Fast account setup: When you open a checking account at one of our branches, you’ll walk out with a debit card that day. We’ll even buy back your old checks and debit cards from another bank.*
- Convenient branches and ATMs: We have 20 branches throughout central Maryland and more than 25,000 Howard Bank and MoneyPass® ATMs nationwide.
Checking Account Features
Howard Bank Checking Accounts Come With Free Access To:
- Online banking: Our online banking platform lets you conveniently manage your money anywhere. You can pay bills electronically, view check images online, transfer funds or pay another person with Popmoney®. Log in or enroll today. Learn more about online banking.
- Real-time account alerts - Howard Bank offers technology that delivers real-time account alerts to any device or system based upon customer preferences. With this tool you can choose what you want to be alerted about, how you receive those alerts (email, text, push notification), where you receive alerts (mobile devices, email addresses, online), and even when to receive alerts (users can indicate quiet times).
- Mobile banking: Stay connected to your finances on the go. Now you can deposit checks from anywhere with mobile deposit and your smartphone camera. Additional tools let you check your balance, transfer funds, manage card controls and more. Learn more about mobile banking.**
- Paperless statements (eStatements): Paperless statements help you cut down on clutter and keep sensitive financial information out of your home mailbox.
- Mobile Payments Suite : Our Mobile Payments Suite (Apple Pay™, Google Pay™ and Samsung Pay™) lets you securely store your debit card information in your smartphone, allowing you to pay at selected locations without taking out your card.
- Surcharge-free ATM access: 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 and 25,000 MoneyPass® nationwide. We won’t charge you for using other banks’ ATMs and we’ll rebate the surcharge that other banks impose at their ATMs.***
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*Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. For Personal checking accounts, we will pay your $2 for each of your old debit cards and $2 for each pad of unused checks, up to $10.
**3rd party message/data rate may apply
***Unlimited surcharge rebates on Premium and Relationship and up to 3 surcharges rebated per statement cycle on Super Checking.
See our Schedule of Charges [PDF] for details on account fees.
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NMLS# 604738
ROUTING #: 055003434