Harford Bank (HFBK)

Overview

Harford Bank, originally known as Harford National Bank until its name change in July 2001, operates as a key financial institution offering a broad range of commercial and retail banking products and services. Since its establishment in 1964, it has been serving individuals, businesses, and governmental units primarily in Harford County, Maryland, Cecil County, and the surrounding regions. With its headquarters located in Aberdeen, Maryland, Harford Bank maintains a strong community presence by adapting to the evolving needs of its clients and integrating modern banking technologies with traditional service values.

Products and Services

Harford Bank provides an extensive selection of banking products and services designed to meet the diverse needs of its clientele. These offerings encompass various aspects of financial management, from basic account services to complex loan arrangements and digital banking solutions.

• Deposit Services: The bank offers a range of deposit services, including checking and savings accounts, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs), catering to the saving and transactional needs of its customers.
• Commercial Loans: For businesses looking for funding, Harford Bank provides secured and unsecured loans for purposes such as working capital, business expansion, and the purchase of equipment and machinery. Additionally, it offers commercial mortgages for real estate, construction loans, and real estate acquisition loans.
• Consumer Loans: Individuals can access various secured and unsecured loan options for personal financing needs, including automobile purchases, boat buying, mobile home acquisition, education expenses, bill consolidation, and home improvements.
• Banking Services: To enhance customer experience and convenience, Harford Bank offers modern banking facilities like mobile banking, online banking with bill payment, and cash management services. It also provides practical tools such as automated teller machine (ATM) access, commercial account remote deposit capture, and direct deposit services for payroll and social security checks. Additionally, customers can avail themselves of ACH origination services, safe deposit boxes, and a variety of debit, gift, and credit cards.