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Personal Checking

Features No Hassle NOW Gold Plus
Availability This account is tailored to fit the average adult consumer. Individuals, pension funds, escrow accounts, nonprofit organizations, and other agencies eligible to maintain NOW accounts. This account is available to individuals 55 or older.
Minimum Opening Deposit $25 with Direct Deposit $100 without Direct Deposit $1,000 $25 with Direct Deposit $100 without Direct Deposit
Minimum Balance Needed to Obtain Annual Percentage Yield (APY) N/A $1,000 $1,000
Balance Needed to Avoid Fees N/A Yes N/A
Charge for Personalized Checks Yes Yes No
Visa Debit Card Yes Yes Yes
Telephone Banking Yes Yes Yes
Internet Banking Yes Yes Yes
Bill Pay Yes Yes No
Rate Information You will be paid the disclosed interest rate for at least 30 calendar days. We will never decrease this rate unless we first give you at least 30 days notice in writing.
Compounding and Crediting Frequency Interest will not be compounded. Interest will be credited to your account every month.
Effect of Closing An Account If you close your account before interest is credited, you will not receive the accrued interest.
Daily Balance Computation Method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Non-Cash Deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
"Common Features" fee chart applies. Yes Yes Yes
Who We Are

The Harbor Bank of Maryland
25 W. Fayette Street
Baltimore, Maryland 21201
(410) 528-1800
NMLS# 417182
Routing #052001772

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