Harford Bank

Headquarters: Aberdeen, Maryland
Charter: Bank
Assets: $776.6M
Fed district: Richmond

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Can be waived with a balance of $100 or more.
Harford Bank: $4
Harford Bank: $4
U.S. median: no median
Overdraft (OD)
Harford Bank: $32
Harford Bank: $32
U.S. median: no median
NSF / Returned Item
Harford Bank: $32
Harford Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Harford Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$4
per month
Account Closing$5
Dormant Account Fee$5
Community Money Market, excess withdrawals$10.50
per item

Overdraft & NSF

Overdraft Privilege$32
per item
Check drawn/withdrawal presented against non-sufficient funds$32
per item
Overdraft Protection Transfer$5

Wire Transfers

Outgoing Wire Transfer$25
Incoming Wire Transfer$15

Check Services

Official Check$7.50
Stop Payment Order$32
Check Cashing (non-customer)$7
Collection Items: Telephone Transfer (non-automated)$5

Digital & Electronic

BILL PAYMENT FEES for Consumers (audience not stated, treated as personal)No charge

Cash & Deposit

Chargeback of returned deposited items$10
per item

Account Services

Drilling and Lock Replacement$150
Not compared: Box drilling or key fee
Duplicate Key$30
Not compared: Box drilling or key fee
Safe Deposit Box 10"x10"$150
Safe Deposit Box 2"x5"$35
Safe Deposit Box 3"x10"$70
Safe Deposit Box 3"x5"$40
Safe Deposit Box 5"x10"$90
Safe Deposit Box 5"x5"$55
Safe Deposit Box 7"x10"$115
Levies/Garnishments/Judgments$100

Other Fees

Interim Statement$2
Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page · Photocopies | $.50/page

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$4	per month	None
Account Closing	$5	Not stated	None
Dormant Account Fee	$5	Not stated	None
Community Money Market, excess withdrawals	$10.50	per item	None
Overdraft & NSF
Overdraft Privilege	$32	per item	None
Check drawn/withdrawal presented against non-sufficient funds	$32	per item	None
Overdraft Protection Transfer	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$25	Not stated	None
Incoming Wire Transfer	$15	Not stated	None
Check Services
Official Check	$7.50	Not stated	None
Stop Payment Order	$32	Not stated	None
Check Cashing (non-customer)	$7	Not stated	None
Collection Items: Telephone Transfer (non-automated)	$5	Not stated	None
Digital & Electronic
BILL PAYMENT FEES for Consumers (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Chargeback of returned deposited items	$10	per item	None
Account Services
Drilling and Lock Replacement	$150Not compared: Box drilling or key fee	Not stated	None
Duplicate Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10"x10"	$150	Not stated	None
Safe Deposit Box 2"x5"	$35	Not stated	None
Safe Deposit Box 3"x10"	$70	Not stated	None
Safe Deposit Box 3"x5"	$40	Not stated	None
Safe Deposit Box 5"x10"	$90	Not stated	None
Safe Deposit Box 5"x5"	$55	Not stated	None
Safe Deposit Box 7"x10"	$115	Not stated	None
Levies/Garnishments/Judgments	$100	Not stated	None
Other Fees
Interim Statement	$2	Not stated	None
Photocopies	$0.50Not compared: Charged per page; comparison unavailable	per page	Photocopies \| $.50/page

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Overdraft & NSF

Overdraft Privilege$32
per item

Digital & Electronic

Bill Pay & Zelle$5.95
per month

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft Privilege	$32	per item	None
Digital & Electronic
Bill Pay & Zelle	$5.95	per month	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Can be waived with a balance of $100 or more.
Harford Bank: $4
Harford Bank: $4
U.S. median: no median
Overdraft (OD)
Harford Bank: $32
Harford Bank: $32
U.S. median: no median
NSF / Returned Item
Harford Bank: $32
Harford Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Harford Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$4
per month
Account Closing$5
Dormant Account Fee$5
Community Money Market, excess withdrawals$10.50
per item

Overdraft & NSF

Overdraft Privilege$32
per item
Check drawn/withdrawal presented against non-sufficient funds$32
per item
Overdraft Protection Transfer$5

Wire Transfers

Outgoing Wire Transfer$25
Incoming Wire Transfer$15

Check Services

Official Check$7.50
Stop Payment Order$32
Check Cashing (non-customer)$7
Collection Items: Telephone Transfer (non-automated)$5

Digital & Electronic

BILL PAYMENT FEES for Consumers (audience not stated, treated as personal)No charge

Cash & Deposit

Chargeback of returned deposited items$10
per item

Account Services

Drilling and Lock Replacement$150
Not compared: Box drilling or key fee
Duplicate Key$30
Not compared: Box drilling or key fee
Safe Deposit Box 10"x10"$150
Safe Deposit Box 2"x5"$35
Safe Deposit Box 3"x10"$70
Safe Deposit Box 3"x5"$40
Safe Deposit Box 5"x10"$90
Safe Deposit Box 5"x5"$55
Safe Deposit Box 7"x10"$115
Levies/Garnishments/Judgments$100

Other Fees

Interim Statement$2
Photocopies$0.50
Not compared: Charged per page; comparison unavailable
per page · Photocopies | $.50/page

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$4	per month	None
Account Closing	$5	Not stated	None
Dormant Account Fee	$5	Not stated	None
Community Money Market, excess withdrawals	$10.50	per item	None
Overdraft & NSF
Overdraft Privilege	$32	per item	None
Check drawn/withdrawal presented against non-sufficient funds	$32	per item	None
Overdraft Protection Transfer	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$25	Not stated	None
Incoming Wire Transfer	$15	Not stated	None
Check Services
Official Check	$7.50	Not stated	None
Stop Payment Order	$32	Not stated	None
Check Cashing (non-customer)	$7	Not stated	None
Collection Items: Telephone Transfer (non-automated)	$5	Not stated	None
Digital & Electronic
BILL PAYMENT FEES for Consumers (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Chargeback of returned deposited items	$10	per item	None
Account Services
Drilling and Lock Replacement	$150Not compared: Box drilling or key fee	Not stated	None
Duplicate Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10"x10"	$150	Not stated	None
Safe Deposit Box 2"x5"	$35	Not stated	None
Safe Deposit Box 3"x10"	$70	Not stated	None
Safe Deposit Box 3"x5"	$40	Not stated	None
Safe Deposit Box 5"x10"	$90	Not stated	None
Safe Deposit Box 5"x5"	$55	Not stated	None
Safe Deposit Box 7"x10"	$115	Not stated	None
Levies/Garnishments/Judgments	$100	Not stated	None
Other Fees
Interim Statement	$2	Not stated	None
Photocopies	$0.50Not compared: Charged per page; comparison unavailable	per page	Photocopies \| $.50/page

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Overdraft & NSF

Overdraft Privilege$32
per item

Digital & Electronic

Bill Pay & Zelle$5.95
per month

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft Privilege	$32	per item	None
Digital & Electronic
Bill Pay & Zelle	$5.95	per month	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.