Howard Bank is committed to treating and using personal financial information about you responsibly. The Howard Bank Privacy Policy explains what personal information we collect, why we collect it, how we protect it, and how and why. We also tell you how to exercise your personal information sharing and use choices.

To view the Howard Bank Customer Privacy Policy, please click here.


Howard Bank Online Privacy Statement

At Howard Bank, our commitment to protecting your privacy extends to our website and Online Banking services. This website/Online Privacy Statement supplements the comprehensive privacy statement that we provide to all of our customers and sets forth the additional procedures that we employ to protect your privacy online. This Statement is intended to help answer any questions that you might have concerning your privacy in connection with this website and online and mobile banking, and it describes the technological procedure that we have in place to safeguard any personally identifiable information that we collect about you online.

What is Howard's policy regarding the collection of information from those who visit this website?

  • Browsing and Using Financial Planning Tools

If you are just browsing this website, we do not collect, capture, or retain any personally identifiable information about you. Our financial planning tools are designed to assist you in making decisions concerning our loan, deposit, and other products. We do not receive any of the information that you input into our demos or other financial planning tools. We do, however, collect certain data that does not personally identify you. We use such data to track website usage, such as the number of hits, pages visited, and the length of user sessions so that we can evaluate the usefulness of this website.

  • Online Applications

We collect personally identifiable information about you if you fill out an application that we have made available online for a loan or other product that we offer, just as we would if you sent us your application through the mail. We will use this information to consider your request for a loan or other service. We may also provide this information to a third party, such as a credit reporting agency (if we are considering you for a loan), or as otherwise permitted by you or by law. Please see our comprehensive privacy statement for further details -- if you would like us to send you a copy, please call Customer Service at 410-750-0020 or send an email request to Customer Service.

  • Online Banking

If you engage in Online Banking, we will collect personally identifiable information about you, just as we would for a transaction conducted in person at a branch. We will use this information (and may furnish it to a third-party service provider) to complete a transaction that you have initiated, to provide you with the services that you have requested, or as otherwise permitted by you or by law. Please see our comprehensive privacy statement for further details -- if you would like us to send you a copy, please call Customer Service at 410-750-0020 or send an email request to Customer Service.

  • Mobile Banking & Howard Bank Card Control

We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in-store transactions). Please see our comprehensive privacy statement for further details -- if you would like us to send you a copy, please call Customer Service at 410-750-0020 or send an email request to Customer Service.

If Howard Bank collects personally identifiable customer information, does it do so on secure webpages?

Yes. Howard collects personally identifiable information about you only on secure webpages. The highest level of validation, Extended Validation (EV), is the safest and most extensive. With Extended Validation, the company requesting the certificate has to prove their identity as well as their legitimacy as a business. You can tell if a site has an EV certificate by looking at the address bar. Browsers show a green address bar with a lock icon for websites with EV certificates, as shown in the picture below.

Secure Web Browser Views


What is SSL?
SSL is the abbreviation for an encryption technology called Secure Sockets Layer. SSL provides secure communications over the Internet by verifying that the server to which you are connected is the one it claims to be. It also encrypts all transactions between the parties.

What is encryption?
Encryption is the way in which information is scrambled when it is sent over the Internet. Your data is made indecipherable to any other party when encryption is used. The strongest form of encryption available over the Internet today is 128-bit. We currently accept 128-bit or higher encryption for security.

What are cookies?
Cookies are pieces of data assigned by a web server to the browser on your PC. Cookies help websites recognize return visitors. So, when you return to a website you've visited before, your browser gives this data back to the server. The site that has sent the cookie is the only one that can read the cookie. Contrary to reports about cookies and online privacy, cookies do not contain viruses and most cannot reveal any personal information about you unless you willingly provide it as a user on a site.

Does this Web site use cookies?
Yes, although you can set your browser to reject cookies. If you do reject cookies, however, you may not be able to access or use all parts of this website. An alternative to rejecting all cookies is to reject cookies when you are browsing, but accept cookies when you want to use any of the special features of the website.

How do I reduce the chance that my information could be accessed by another person after I use a public computer?
If you access information via a public computer, such as at a public library, it is important that you properly log off each interactive feature on the website that you have visited, such as Online Banking. This will help ensure the security and privacy of your visit.

About Children's Privacy:
Howard Bank's website is not designed to attract children under the age of 13 and it does not knowingly capture personal information about children.

Does this website link to other websites?
You may be able to link to other websites from this one. Be advised, however, that we do not control how the owners of other websites use information that you might provide to them, and we are not responsible for the privacy and security of these sites. When you are leaving this site and going to a 3rd party site that is not affiliated with Howard Bank, a speedbump will pop up informing you that you are now leaving We urge you to review the privacy policy of each website you visit before you provide them with any personal information. Any links from Howard Bank's website to other websites are intended to benefit you by providing quick access to products and services of others that may be of interest to you. These third-party websites are unrelated to Howard Bank and their owners/operators are solely responsible for such sites and for the quality of the products and services that they may offer through their websites. Consequently, Howard disclaims all liability for any third-party providers and for the fitness of their products and services. 


We invite visitors to our site to use email to inquire or comment about our products and services. The information included in your email and our responses is not secure. Additionally, we may retain copies of these email messages, our response, and your email address for a limited time for quality control purposes or to meet legal and regulatory requirements.

Restricted Access to Information/Contact Us:
We are committed to protecting your privacy and the security of the information that you share with us. We restrict access to personally identifiable information about you to those employees who need to know that information to provide you with the products or services that you have requested (or to third parties as described above). If you have any questions or concerns about your privacy in connection with this website, or if you would like us to send you our most current comprehensive Privacy Statement setting forth our policies concerning the sharing of customer information with affiliates or non-affiliates, please call us at 410-750-0020.