The Harbor Bank of Maryland

Headquarters: Baltimore, Maryland
Charter: Bank
Assets: $383.2M
Fed district: Richmond

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

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

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

Monthly Maintenance
NOW Account $3 to $50 · Harbor Bank Smart Account $15
Compared at $15, the middle of its prices
The Harbor Bank of Maryland: $3 to $50
The Harbor Bank of Maryland: $3 to $50
U.S. median: no median
Overdraft (OD)
The Harbor Bank of Maryland: $35
The Harbor Bank of Maryland: $35
U.S. median: no median
NSF / Returned Item
The Harbor Bank of Maryland: $35
The Harbor Bank of Maryland: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 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 The Harbor Bank of Maryland’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$3
per month · avoid imposition of fees - A monthly fee of $3.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month
Service charge (balance falls below $1,000.00)$15
Service charge fee$50
per month
Service charge fee$25
per month
Service charge fee$15
per month
Service charge fee (balance falls below $1,000.00)$15
per month
Account closed within 90 days of opening$25
Account closed within 90 days of opening (Other Accounts)$15
one time
Dormant account with balance of $50.00 or more$1.65
Account research$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail$5
per month

Overdraft & NSF

Overdraft - all overdrafts paid on a day$35
per item
Savings account overdraft$35
per item
Nonsufficient funds (NSF) Bill Pay$35
Nonsufficient funds (NSF) uncollected funds$35
per item

ATM & Card

ATM cash withdrawal (at ATMs we do not own or operate)$2.50
Charge at ATMs we do not own or operate$1.50
Replace lost ATM card (after second request)$5
International Service Assessment1%of the transaction

Wire Transfers

Domestic wire transfer - Outgoing$25
Domestic wire transfer - Incoming$15
Foreign wire transfer - Outgoing$50
Foreign wire transfer - Incoming$30

Check Services

Cashier's checks$20
Money orders$5
Stop payments$35
per item
Stop payments - ACH payments$35
Counter checks$1
per item
Collection items (incoming and outgoing)$20
per item

Cash & Deposit

Deposited checks (and other items) returned unpaid$12
Lost night depository key$20

Account Services

Lost safe deposit box key$65
Not compared: Box drilling or key fee
Garnishments$200
Levies$200
Account verifications$10
per item

Retirement & IRA

IRA transfer$25

Other Fees

Fax statement$6
Photocopies$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$3	per month	avoid imposition of fees - A monthly fee of $3.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month
Service charge (balance falls below $1,000.00)	$15	Not stated	None
Service charge fee	$50	per month	None
Service charge fee	$25	per month	None
Service charge fee	$15	per month	None
Service charge fee (balance falls below $1,000.00)	$15	per month	None
Account closed within 90 days of opening	$25	Not stated	None
Account closed within 90 days of opening (Other Accounts)	$15	one time	None
Dormant account with balance of $50.00 or more	$1.65	Not stated	None
Account research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail	$5	per month	None
Overdraft & NSF
Overdraft - all overdrafts paid on a day	$35	per item	None
Savings account overdraft	$35	per item	None
Nonsufficient funds (NSF) Bill Pay	$35	Not stated	None
Nonsufficient funds (NSF) uncollected funds	$35	per item	None
ATM & Card
ATM cash withdrawal (at ATMs we do not own or operate)	$2.50	Not stated	None
Charge at ATMs we do not own or operate	$1.50	Not stated	None
Replace lost ATM card (after second request)	$5	Not stated	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Domestic wire transfer - Outgoing	$25	Not stated	None
Domestic wire transfer - Incoming	$15	Not stated	None
Foreign wire transfer - Outgoing	$50	Not stated	None
Foreign wire transfer - Incoming	$30	Not stated	None
Check Services
Cashier's checks	$20	Not stated	None
Money orders	$5	Not stated	None
Stop payments	$35	per item	None
Stop payments - ACH payments	$35	Not stated	None
Counter checks	$1	per item	None
Collection items (incoming and outgoing)	$20	per item	None
Cash & Deposit
Deposited checks (and other items) returned unpaid	$12	Not stated	None
Lost night depository key	$20	Not stated	None
Account Services
Lost safe deposit box key	$65Not compared: Box drilling or key fee	Not stated	None
Garnishments	$200	Not stated	None
Levies	$200	Not stated	None
Account verifications	$10	per item	None
Retirement & IRA
IRA transfer	$25	Not stated	None
Other Fees
Fax statement	$6	Not stated	None
Photocopies	$2	per item	None

Correct a fee source

Oct 10, 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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