Frequently Asked Questions & Forms

Please view our Locations and Hours page for more information.

Please view our Locations and Hours page for more information.

Yes, we offer both online and mobile banking.

You can open an account online or go to your nearest branch.

We offer a variety of accounts.

• To report lost/stolen Debit Cards: 1-800-754-4128.

• To report lost/stolen Credit Cards: 1-800-325-3678.

• To activate Debit Cards and select your new PIN: 1-833-995-2891.

• To activate Credit Card: 1-800-543-5073.

Call your nearest branch and speak to a customer service representative.

Customer service can be contacted Monday-Thursday 9:00am to 3:00pm and Friday 9:00am to 5:00pm by calling 410-528-1801.

You can open a consumer and/or business account by visiting your nearest branch.

Government Issued ID, Social Security Number, Proof of Address and Opening Deposit.

Yes, reach out to your local branch to speak with a Customer Service Representative.

This will depend on the type of account you are looking to open - see more about our accounts. Personal Checking | Personal Savings | Business Checking | Business Savings

Reach out to your local branch to speak with a Customer Service Representative.

Reach out to your local branch to speak with a Customer Service Representative.

Please click here to enroll in online banking.

HBMConnect provides our consumer banking customers with 24/7 access to their account. HBMConnect may be used to view statements, send and receive Zelle payments, remotely deposit checks, receive banking notifications, automate bill payments, and review transaction history.

Yes, download "HBM Connect" below.

  

To reset your online banking password, please call 855-343-1493 24 hours a day.

No fees apply for online banking. Depending on your mobile service provider, fees may apply when using text banking for balance inquiries when using text message services.

Yes, once you log in to your account, you can pay bills online and save time and money. You also receive system alerts when money is debited from your account and alerts when your bill is paid.

We offer a variety of both personal and business loans.

Contact us at info@theharborbank.com for more information.

Our mortgage pre-approval process takes place in tandem with the application process.

View the current rates on our Personal Investments page.

Yes, we offer Home Equity Line of Credits as well as Home Equity Loans, but only for primary residences.

Checks can be deposited via our mobile banking application, by visiting your local branch, utilizing one of our 24-hour ATMs, or by placing your check in an envelope and placing it in a night drop located at any of our branches directly next to an ATM.

Yes, our mobile app allows you to deposit checks remotely.

When using ATMs, there is a daily withdrawal limit of $500. There is no deposit limit when visiting a branch in person.

Local checks typically take about 2 business days and out-of-state checks typically take 3 business days, with checks totaling more than $500 likely to take 3-4 business days to clear.

To transfer money between Harbor Bank accounts, log into Harbor Bank mobile banking (HBMConnect) or online banking (HarborConnect) and select the "Transfer Funds" tab. To transfer money to other banks, we offer Zelle.

Yes, there are fees for wire transfers. The fee for outgoing wires is $25, the fee for incoming wires is $15, and the fee for international wires is $50. There are no fees for ACH transactions.

We offer a variety of checking and savings account options. View the following pages to learn about the fees associated with each: Personal Checking | Personal Savings | Business Checking | Business Savings

Monthly maintenance fees can be avoided by maintaining the accounts' minimum balance.

Using a non-Harbor Bank ATM outside of the 55,000 Allpoint ATMs will result in a charge of $2.50 from The Harbor Bank of Maryland.

Yes, there is a $35 fee for overdrafting an account. Overdraft fees can be avoided by applying for an Overdraft Line of Credit.

No, there is no fee for receiving paper statements.

Harbor Bank has a multitude of firewalls to ensure that your account information has protection at all times. We also utilize multi-step identity validation and verification before communicating any personal information with our customers.

If you suspect fraudulent activity on your account, please contact your branch of service as soon as possible.

The safest method to protect your account is to call or visit your branch of service if you are suspicious of any activity or messaging. Please visit Internet Banking Fraud | FDIC for further resources regarding account security.

You can contact customer service at 855-343-1493 for consumer/retail accounts and 855-444-9987 for business accounts.

Yes, we do. These are sent via phone calls, texts, or emails to alert customers of possible fraud.

Call your local branch to report the card lost or stolen or call 800-754-4128 for debit cards and 800-325-3678 for credit cards.

We offer a variety of business accounts. Visit our Business Banking page for more information.

Business checking and savings accounts must be opened at a Harbor Bank branch. Certain businesses require specific documentation, so we strongly suggest calling ahead for details before visiting a branch.

Small businesses may apply for Working Lines of Credit, Commercial Real Estate Loans, Permanent Loans, or SBA Lending.

Yes, we offer merchant services for payment acceptance.

Reach out to businessloans@theharborbank.com or call 443-923-0552.

Debit cards are available to all checking account holders. For information on consumer credit cards reach out to info@theharborbank.com. For business credit cards reach out to businessloans@theharborbank.com.

Call your local branch to report the card lost or stolen or call 800-754-4128 for debit cards and 800-325-3678 for credit cards.

Debit cards are prohibited from international use, however, credit cards can be used with an international fee of 2% per transaction.

Debit cards can be activated by calling 833-995-2891 and credit cards can be activated by calling 800-543-5073.

To dispute a charge on your card, please call or visit your branch of service.

Contact your nearest branch.

Customer Service is available Monday–Thursday, 9:00 a.m. to 3:00 p.m., and Friday, 9:00 a.m. to 5:00 p.m. at 410-528-1801. If you need assistance after business hours, please call 888-229-1070 and leave a message in our voicemail system. A representative will return your call as soon as possible.

After a complaint is filed, it is reviewed internally and investigated thoroughly. If the filer of the complaint has left contact information, then they can expect to be reached out to within 2-3 weeks.

Yes, please contact info@theharborbank.com for serious inquiries.

Our process for handling disputes depends on if the transaction took place via ACH, POS, or a paper check. Disputes are logged and filed for internal review and assessment with the intent to be resolved within a timely manner.

Any business checking account at The Harbor Bank of Maryland can be linked to all of Global Payment merchant services solutions. Deposits are usually available in 2-3 business days.

After credit approval, your system is available for use in approximately 5 business days.

Fees are deducted on a monthly basis.

Installation is easy. Your terminal will be shipped ready-to-use. Our training center will set up a telephone training session that suits your schedule.

We can re-program most terminals to work on our network.

A technical support team will work with your current software provider to integrate your POS system with our network.

Toll-free 24/7 merchant support and a 24-hour equipment replacement service.

The EMVCo Contactless Indicator indicates acceptance. When featured on a card, it means the card can be used to tap to pay. When featured on a checkout terminal or on store signage, it means a merchant accepts tapping to pay.

The EMVCo Contactless Symbol indicates where you tap your contactless card on the checkout terminal to make a payment.

Once you are prompted to pay (by the cashier, a light on the checkout terminal, etc.), place your contactless card within 1 to 2 inches of the Contactless Symbol on the terminal and follow the prompts.

Just look for the Contactless Symbol at checkout.
Millions of places around the world accept contactless payments, including fast-food restaurants, coffee shops, grocery stores, retail pharmacies, vending machines, taxis and more.

Your contactless card just needs to be within 1 to 2 inches of the Contactless Symbol to initiate a payment.

It works best when your contactless card is held flat over the Contactless Symbol , versus held at an angle.
Actual physical tapping of the card to the surface is not necessary.

Yes. If you don’t see the Contactless symbol on the checkout terminal, you can still insert your contactless card, just like any other debit card.

Yes. Here's why:

• Each Harbor Bank Contactless Debit Card carries the same trusted security as a Harbor Bank Debit chip card.

• The one-time code generated every time a Harbor Bank Contactless Debit Card is used at an in-store contactless-enabled terminal protects your payment information, making it extremely effective in reducing counterfeit fraud.

• You can't pay accidentally—your Harbor Bank Contactless Debit Card must be within 2 inches of the terminal for the transaction to take place. And you won't be billed twice, even if you accidentally tap twice.

• Tapping to pay with your Harbor Bank Contactless Debit Card helps you avoid touching surfaces at checkout.