Commercial Products & Services
|Visa Business Check Card||Fast, convenient way to make purchases||Track business expenses||Manage your finances|
|Internet Banking / Bill Pay||You can do your banking from the convenience of your own home. You can even pay your bills and check your balances while you're traveling.||No software to install on your computer.||Click on the word "Enroll" below the log in button for online banking on the home page to set up an existing account.|
(see disclosure below)
|We will consider without obligation on our part, payment of your reasonable overdrafts up to your assigned ODP limit||Payment of your occasional and inadvertent overdrafts up to your assigned ODP limit of $1,500 (sole proprietor) will normally be considered.||Our fees will be added to any outstanding overdrafts you may have and will be applied against your ODP limit.|
|Commercial Savings / CDs||Invest excess funds
is important to your business.
It is insured, interest bearing, and can be service charge free.
|Interest is earned regardless of the account balance. Savings:  Interest is compounded daily and credited monthly. CDs:  Interest is credited and compounded every three months.||Immediate access to funds. No penalties for deposits. Unlimited in person withdrawals permitted at any Harford Bank branch office. Up to 6 withdrawals per month via wire transfer, telephone transfer, and or ACH debits.|
|Commercial Money Market||You can put your company's funds to work earning a high yield comparable to a money market fund, while enjoying the security of F.D.I.C. insurance.||Interest is earned daily and credited monthly.||Please call one of our branch representatives for additional information.|
|ACH Services||Web based cash management||Direct deposit payroll||Direct payment debit services|
|CDARS||Multi-million dollar FDIC Insurance coverage on CD investments||One bank, one rate, one statement||Demo available|
|Cash Management / Commercial Money Market Account||Automatically transfers excess funds into an insured commercial money market account with a maximum transfer limit of 6 per statements cycle.||Lets your company maximize interest income, while eliminating the guesswork involved in managing daily cash flow,||Each day the cash management account compares the collected balance in your commercial checking account to a predetermined target balance of $35,000. Cash in excess of this target amount is transferred into an insured commercial money market account. These funds will be transferred back to your checking account to cover the next day's transactions as needed|
|FastBanking bank by phone|| 888-803-0250||You can check balances, transfer funds, confirm a transaction or deposit, and make loan payments and more by using any touch tone phone.||Convenient, secure, easy to use and it's free.|
Recreational Vehicle Loans
|1) Our normal fees and charges including, without limitation, our non-sufficient funds (NSF) or overdraft (OD) fees; currently $32.00 per non-sufficient funds or overdraft item, as set forth in our fee schedule, will be charged for each transaction initiated for payment from your checking account that does not have sufficient collected funds. 2) The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: Check, in-person withdrawal, ATM withdrawal, or other electronic means, 3) We reserve the right to require you to pay our outstanding overdraft (negative) balance, including our fees, immediately or on demand, 4) Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.|