Harford Bank offers commercial and retail banking products and services for individuals, businesses, and governmental units in Harford County, Maryland, Cecil County, and neighboring counties. It provides various deposit services, including checking, savings, money market, certificates of deposit, and individual retirement accounts. The company also offers various commercial loans, which include secured and unsecured loans for working capital, business expansion loans, and equipment and machinery purchase loans, 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, fixed rate home equity loans, real estate construction loans, and real estate acquisition 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 boxes, direct deposit of payroll and social security checks, and ACH origination services, as well as debit, gift, and credit cards. Additionally, the company engages in servicing and disposing of the real estate that it acquires through foreclosure or by deed in lieu of foreclosure. 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.