All of our accounts come with Anywhere Banking Tools and five different debit card designs to choose from. Most of the designs feature local imagery because just like you, we're from here. Our Essential Checking account comes with just the essentials which, we consider our Anywhere Banking Tools. With our Essential Checking account, you only pay for what you need. You can see the account details on this page, check out our other account options below, or download our comparison chart (mobile-friendly) here.
At Howard Bank, we care about convenience. That's why we offer our Anywhere Banking Tools with every checking account. These include:
Visa® Debit Card: With chip card technology, you have added security. We can even issue a debit card instantly when you stop by one of our branches to open your account! Choose from five different debit card designs, including some local landscapes.
Online Banking: Stay on top of your finances from your desktop. Our system is backed by the latest in security and fraud prevention, with experts standing by if you have questions. Learn more.
Mobile Banking: Manage your finances anytime, anywhere. With mobile banking, you can skip the branch visit and deposit checks virtually! You can even customize your preferences by setting up real-time alerts for low balances, overdue bills, and overdraft notices. View a demo.
Bill Pay: Make payments electronically and view your bills in one place. Create reminders or recurring payments so you never miss a due date. Watch a demo.
Zelle®: Easily send, request, or receive money from people you trust. Learn more.
Mobile Payments: Set up your digital wallet with Apple Pay®, Google Pay™, or Samsung Pay™. See more.
eStatements: Go paperless to reduce clutter in an eco-friendly manner! Plus, you can reduce the monthly service charge by $2 and help keep your account safe. Learn more.
MoneyPass®: With the MoneyPass network, we give you access to over 37,000 surcharge-free ATMs. It's your money; you shouldn't be charged to use it! Locate an ATM.
Monthly Service Charge
Our Essential Checking account has a $10 monthly service charge, but there are ways to reduce or avoid the charge altogether:
Reduce the monthly service charge by $2 by enrolling in eStatements
Reduce the monthly service charge by $8 by keeping a $200 daily minimum balance
Avoid the monthly service charge by enrolling in eStatements and maintaining the daily minimum balance
Open An Account
Ready to open your Howard Bank Essentials Checking account?
Soon you will be able to do so online from the comfort of your home. Until then, make an appointment at one of our conveniently located branches! If you're looking for even more, check out our Extra Checking account that provides these essentials and extras, to help you save more on the things you're already paying for! If you have any questions or need help, we’re here for you. Give us a call at 410-750-0020 to speak with a banking expert.