Frequently Asked Questions

Common Questions (FAQs)


You can find our rates by visiting our rates page or by calling 410-750-0020. 


Free ATMs are available at all Howard Bank branches and any machine with the MoneyPass® logo. You can find our branch/ATM locations using our Branch or ATM Locator.

  • You can fill out this Change of Address Form and bring it with you or mail it to any of our branch locations. We can also mail you at the address we have on file. 

  • You can send a signed letter to your branch stating your old address and contact information and your new information. 

  • You can call us at 410-750-0020 for more information on how to complete a change of address. 

  • You can also find a branch to visit in person to change your address.


Click the "Forgot Password" link on the yellow "Secure Login" button in the top right of any page or click here and follow the on-screen prompts.  
For your privacy, it is recommended that you then change your password the next time you log into Online Banking. If you need help, or get locked out of your Online Banking account due to too many unsuccessful login attempts, call a bank representative at 410-750-0020.


To submit your resumé, please complete an application online. Please visit our Careers section located in the header or footer of our website. If you have questions in reference to a submitted resume or application, please contact Lauren Moeser.

Deposit Account Questions


Our Deposit Hold information follows.

Existing Account
Our policy is generally to make funds from your deposits available to you on the first business day after the day we receive your deposit. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Deposits of cash and checks drawn on the Bank, made in person to one of our employees, and electronic payment deposits, such as wire transfers received for deposit to your account, are available on the business day of your deposit. For additional information about determining the availability of your deposits and for possible delayed availability of funds, refer to the Funds Availability Policy you received when you opened your account.


Purchase Limits: When using your debit card for purchases, there is a $3,000.00 daily limit. To have purchases above that amount approved, you will need to contact your branch.


If any unauthorized electronic funds transfer (EFT) transaction(s) have been charged to your card, you may need to complete our Unauthorized Charges form. You have 60 days from the date of the statement of which the transaction appeared on your account to dispute the charge.

You can download the PDF form here or you can get the form at your local branch. Once completed, you can either mail the form to 3301 Boston St, Baltimore, MD 21224, Attn: Fraud Dept or return it to any one of our 20 branch locations. As always,  a bank representative will be more than happy to help you complete the form if you have any questions.


Fraud Watch Plus (866-842-5208) has fraud analysts that watch for suspicious card activity and will contact you if they detect potential fraud on your card.  For this reason, it is extremely important for us to have your most current contact information (including phone numbers and email address) on file.  

If someone from Fraud Prevention Services is able to get in contact with you and confirms that fraud has occurred, your card will be blocked.  If your card is blocked, you will then need to stop into any branch to receive a new card. 

If Fraud Prevention Serivces is unable to get in touch with you, a temporary block will be put on your card until the transactions are able to be verified. If you experience an unexpected block on your card, please call the below numbers: 
During normal business hours, call 410-750-0020.  

During off hours, call 1-866-842-5208.  


Yes, Howard can accept/send international wire transfers. For details and associated fees, please visit a branch, call a bank representative at 410-750-0020.


We are not able to place a stop payment on items purchased using a Visa® Debit Card.  For unauthorized transactions, please contact your local branch for investigation.


In order to close your accounts you would need visit or send a letter to the branch that opened your accounts. The letter would need to include an address to send the funds, a brief explanation stating the reason for closing, and your signature. 


FDIC insurance covers all deposit accounts, including checking and savings accountsmoney market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

Loan Related Questions


Online Payments from a Howard Bank Account  
If you would like to make a loan payment or set up a reoccurring payment from  a Howard Bank account, please login to Online Banking and set up a payment from your preferred checking or savings account to your loan account.  

Online Payments from a Non-Howard Bank Account 
If you would like to make a loan payment or set up a reoccurring payment from a checking or savings account at another bank, click here

You will need the following information: 

  • Your Howard Bank Loan Number 
  • The Checking or Savings Account Number and Routing Number from the bank which you want the money to be withdrawn from. 
  • First and last name of the primary owner on your Howard Bank loan. 

Pay by Phone 
To make a loan payment by phone, please call 410-558-4488 and speak to a bank representative.  

Pay by Mail  
Be sure to include your loan number in the memo section of your check and mail your payments to the following address:  

Howard Bank 
Attn: Loan Servicing  
3301 Boston Street
Baltimore, MD 21224 


Call a bank representative at 410-750-0020 where a representative will assist you.


You are able to obtain a free copy of your credit report once per year from each credit reporting bureau. To obtain a free copy of your credit report online, visit You can also call the credit bureaus that can assist you over the phone:

Equifax: 1-800-685-1111
Experian: 1-888-397-3742
TransUnion: 1-800-888-4213


You can visit our branches that can assist you with the application process.You also can apply for a loan by calling a bank representative at 410-750-0020 and someone from our team can assist you by taking a loan application over the phone.  

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