Buy Local, Bank Local

by Renee' Anderson 19. September 2012

Buy Local, Bank LocalWhether you were born and raised in Maryland or have recently joined the community, I’m sure we all agree that it is important to support Maryland businesses. Growing up in a Baltimore suburb myself, I try to do my part in helping my community flourish. WMAR-TV’s Buy Local, Buy Maryland program is a great way to help me accomplish that!

If you are looking for ways to share in this, read on!

Basically, Buy Local, Buy Maryland is a customer savings club, featuring locally owned businesses. Card holders can save money by shopping in the stores featured in the program! Your member card and key tag that will give you exclusive savings and rewards when you spend your money at the featured businesses in Maryland. Participating retailers are listed on the website,

1st Mariner Bank found its way to the Buy Local, Buy Maryland program as well. Being a local bank, we know that the best customer service comes from local businesses, so we jumped on the opportunity to sponsor WMAR-TV’s Buy Local, Buy Maryland program. Local businesses help create jobs, reduce environmental impact and keep our communities unique!

Not only are we sponsoring Buy Local, Buy Maryland, we have a deal of our own! Businesses, bring this flyer into your nearest 1st Mariner Bank branch to open a checking account with no application fee! View the flyer for more details.

Visit for more information, today!

For more information about 1st Mariner Bank's sponsorships, community activities and other news, visit 1st Mariner Bank's News and Updates page.

How Your Credit Score Affects Your Health

by Stacy Tharp 5. September 2012

Having a good credit score is important. We all know that. We’ve all seen the commercials, been told who checks our scores and why, and heard horror stories about what can happen when you have a bad credit history. (But if you’d like a refresher on credit scores, read Credit Scores: GPAs for Adults.) But what if I told you that having poor credit can have adverse effects on not just your financial life, but also on your health?

Before I begin to explain my reasoning behind this claim, it is important to note that I am not a doctor, nor do I have a medical degree, nor have I ever considered attempting a medical degree. That was a career path that I was able to quickly rule out after nearly passing out in high school Biology class while attempting to dissect the organs of farm animals…but that’s a story for another day. (Stay tuned!) I DO, however, have the ability to perform some skillful research! So with that, I’d like to share some of my findings.


Calls from creditors or collection agencies, realizing that you are spending more money than you’re making, waking up each morning in fear that this will be the day that your water or electricity will be turned off, an unexpected and costly emergency for which you are financially unprepared. These are all examples of situations that could easily leave you in a perpetual state of stress. According to Psych Central, long-term stress can cause high blood pressure, susceptibility to infection, slow recovery from illnesses and possibly even diabetes.

Health Insurance

Since many employers check their potential employees’ credit scores, having a low credit score can make it difficult for you to find a job. If you can’t get a job because of your credit score, besides having something to add to the list of things that can cause you stress, you won’t be able to take advantage of low health insurance rates that companies often provide for their employees. You may be forced to purchase insurance with high premiums, high deductibles, and/or limited coverage. Having sub-par health insurance might lead you to try to avoid visits to the doctor’s office, which of course could lead to the possibility of medical issues not being properly addressed.

Emotional Health

According to Daily Finance, overspending can be connected to such emotional states as avoidance, depression and low self-esteem. Overspending can in turn lead to a low credit score due to high credit card balances. These emotional states are most likely a cause, rather than an effect, of overspending. According to Advantage Credit Counseling Service, having a positive mental outlook is essential for effective debt management.

If you have experienced any of the symptoms or behaviors I have mentioned, it is essential that you talk to your doctor for an accurate diagnosis.

If you have difficulty managing your debt, here are a few things you can try:

Be sure to teach your children at a young age how to be financially responsible, and maintain that good credit score yourself, if not for financial reasons, then for your health!

If you found this article useful, be sure to check out these related articles:

True or False? Five Myths About Credit Scores Unveiled

Four Things the Easter Bunny Taught Me About My Credit

How I Graduated Debt-free from College

Our memories of Scunny - "The Character of the Square"

by Erica Starr 28. August 2012

When we decided to put together our Joe Flacco - local “Baltimore Community Neighborhoods” spot,
we needed to incorporate a familiar place and face that resonated with the people of Baltimore. A face
that immediately made you feel like you were a part of Baltimore’s community…part of the Baltimore
family and a friend. It took us all but two seconds to think of good ol’ Scunny McCusker and his home
on O’Donnell Square (or as we always called him, “The Character of the Square”). Per the usual, it took
Scunny even less time to agree to lend a helping hand…immediately followed by a standing offer to
enjoy a crush or two down at Mama’s on the house.

As long as we can remember, a visit from Scunny to our Canton branch has always been an experience
to look forward to. Whether he was sporting his famous Natty Boh PJ’s to make a deposit, or
volunteering to dress up as Elvis for our charity car wash (which included washing cars), Scunny’s
presence always seem to bring a smile to the faces of those in his presence. As a longtime customer
and more importantly, a friend of 1st Mariner Bank, we’d like to offer our deepest sympathies to the
McCusker family and to the Canton community for this incredible loss.

Scunny, you are truly irreplaceable. The written word can’t adequately bring you justice in regards to
what you’ve done for this community. Baltimore won’t be the same without you pal. To our “Character
of the Square”, you will be missed.

We’d like to also join the community by encouraging everyone to come down to Canton tomorrow,
Wednesday, August 29th, to help celebrate the life of Patrick “Scunny” McCusker. 30% of all daily sales
at participating establishments will be donated to Scunny’s favorite charity, The Believe in Tomorrow
. A list of restaurants includes but is not limited to:

The Americana
Blue Hill Tavern

Chesapeake Wine Co.
Gin Mill

JD's Smokehouse
Looney's Pub (all locations)
Plug Ugly's Publick House

Shiso Tavern
Tavern on the Square

Ladies and Gentlemen….Elvis has left the building.

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