First National Bank 10161 Baltimore National Pike, Ellicott City, MD 21042

"I am writing to formally file a complaint regarding an incident that occurred at your First national Bank branch (Ellicott City) on 01-16-2024 at approximately 4:05 PM. On this particular occasion, I visited the branch within the official business hours with the intention of making a deposit. Despite being well within the operating hours, I was surprised and dismayed when the branch staff refused to accept my deposit."

"I am writing to formally file a complaint regarding an incident that occurred on [01/16/2024] at approximately 4:15 PM at your First National Bank ,Ellicott City branch. I visited the branch with the intention of making a deposit, and unfortunately, the bank teller on duty, refused to accept the deposit, citing the time as the reason. I understand that banks have operating hours, but considering the proximity to the closing time, I believe there was sufficient time to process the transaction. This incident has caused inconvenience and raises concerns about the service provided. I request a thorough investigation into this matter and appropriate action to ensure such incidents are avoided in the future. Details of the incident: - Date: 01/16/2024 - Time: Approximately 4:15 PM - Teller's Name: All Tellers - Nature of Transaction: Deposit I appreciate your prompt attention to this matter. Please keep me informed of the steps taken to address this issue. Thank you for your cooperation. Sincerely,"

"The transition from Howard Bank to FNB has been horrific. Stopped in the branch on Monday because ATM card and online banking were not working. Branch was packed with other customers with issues. Branch staff was hustling which was great. But problems still exist and are not solved. Spent 38 minutes on hold with their 800 numbers and transferred to 2 different people and now have been waiting all day for a third to call me to resolve the problems. Absolute disaster."

"I have been banking with Howard Bank for 3 years and their customer service is exceptional. Their team made the PPP Loan application process extremely easy and loans for my companies were funded within days. I definitely prefer the more personalized experience I received from this community bank over the big guys. Highly recommend for business banking."

"One of the best business decisions our company ever made was switching over to Howard Bank about five years ago. From day one, the support and customer service at Howard Bank has been second to none. Most recently, while the global pandemic has been extremely tough on all businesses, the Team at Howard Bank has stepped up in a huge way! Working with Wendy Krouse during our PPP Loan Process, was truly a blessing. Wendy helped our company navigate through the application and entire process quickly and accurately. Thanks to Wendy's quick e-mail replies on weekends and after hours, we were able to submit our application on-time and received our PPP Loan Funding quicker than we expected. We highly recommend Howard Bank for any small business. Working with a local community bank, compared to the larger national banks, is 100% the way to go! BIG THANKS to the entire Howard Bank Team!"