Frequently Asked Questions Common Questions (FAQs) Where can I find Howard Bank rates? Answer: You can find our rates by visiting our rates page or by calling 410-750-0020. What is Howard Bank's routing number? Answer: 055003434 Where can I find a free ATM? Answer: 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. How do I change my address? Answer: 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. What should I do if I forgot my Online Banking Password? Answer: 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. How do I begin my career with Howard Bank? Answer: 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 our HR team. Deposit Account Questions Deposit Hold Inquiries Answer: 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. What should I do if I find an error or an unauthorized charge on my account? Answer: ATM & Debit Card(s) If you're disputing a debit or ATM card transaction or bill, you may need to complete a Debit or ATM Dispute Form. You have 60 days from the date of the statement of which the transaction appeared on your account to dispute the charge. Download Form Online Transaction(s) If you are disputing an electronic (ACH) debit transaction, sign and submit an ACH Dispute Form. Download Form You can download the PDF form(s) above 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 of our branch locations. As always, a bank representative will be more than happy to help you complete the form if you have any questions. How does Howard protect me from unauthorized charges? Answer: Fraud Prevention Services (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 addresses) 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 Services 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. Does Howard accept/send international wire transfers? Answer: 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. How do I initiate a Stop Payment on a Visa® Debit Card Purchase? Answer: 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. How do I close my account? Answer: 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. What are the current FDIC deposit insurance coverage limits? Answer: FDIC insurance covers all deposit accounts, including checking and savings accounts, money 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 How can I pay my loan online with Howard Bank? Answer: Online Payments from a Howard Bank Account If you would like to make a loan payment or set up a recurring payment from a Howard Bank account, please log in 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 recurring 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 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 How can I get a payoff quote for my loan? Answer: Call a Loan Operations representative at 410-465-0548 or (toll-free) 844-946-9273 and we will assist you. How do I obtain a free copy of my credit report annually? Answer: 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 www.annualcreditreport.com. 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 How can I apply for a loan? Answer: 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. Helpful Websites Branch Locations Harland Clarke® Fee Schedule - Retail MoneyPass® ATMs Locate Branches/ATMS Enter City or Zip I'm Locating... ATM Branch Both Find Request An Appointment What do you want to talk about? Contact Us Call us at 410-750-0020 OR Email us QUICK TOOLS Find a Branch Business Banking Personal Banking Online Banking Mobile Banking Rates Forms COMPANY About Community Leadership Career Center Investor Relations Privacy News RESOURCES Coronavirus Resource Center Help Center Security Center Contact Us Bank Holidays eNewsletter Blog NMLS #s NMLS# 604738 ROUTING #: 055003434