Harford Bank provides commercial and retail banking products and services for individuals, businesses, and governmental units. It offers various deposit services, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company also offers various commercial loans, including secured and unsecured loans for working capital, business expansion, and purchase of equipment and machinery, as well as commercial mortgages secured by real estate, real estate construction loans, and real estate acquisition loans. In addition, it provides consumer loans, such as secured and unsecured loans for financing automobiles, boats, mobile homes, education, bill consolidation, and home improvements, as well as secured fixed-rate consumer mortgage loans, variable rate home equity lines of credit, and fixed rate home equity loans. Further, the company offers various other banking services, including mobile banking, automated teller machine, online banking with bill payment, cash management, commercial account remote deposit capture, safe deposit box, direct deposit of payroll and social security check, and ACH origination services, as well as debit, gift, and credit cards. It provides its products through branches located throughout Harford County and Cecil County, Maryland. Harford Bank was formerly known as Harford National Bank and changed its name to Harford Bank in July 2001. The company was founded in 1964 and is based in Aberdeen, Maryland.