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Common Questions (FAQs)

Have a question about 1st Mariner Bank or our services? In order to save you time, we’ve compiled answers to some of our customers’ most commonly asked questions, or FAQs. If you don’t find the information you need, contact us!  

 A. You can find our rates by visiting our rates page or by calling 410-558-4200 or toll-free 1-888-561-BANK (2265). You can also click to chat with one of our representatives.

A. Free ATMs are available at all 1st Mariner Bank branches and any machine with the MoneyPass® logo. You can find our branch/ATM locations using our Branch or ATM Locator.

A. We can either mail you a form to the address we have on file for you, or you can send a letter/fax to your branch or call a bank representative at 410-558-4200 or 1-888-561-BANK (2265) with your request. You can stop into any of our branch locations to complete this request as well.

A. Go to our Online Consumer Banking page, located in the drop down menu of the Personal Banking tab at the top of our website. Click on the link that says, "Enroll in Online Banking" and follow the prompts to complete your enrollment. If you need help, click to chat with one of our representatives who can assist you through the process.

A. After you enter your user ID and click "submit," click on the link that reads "Forgot Your Password?" on the next screen. You will be required to re-enter your user ID, then your password will be sent to your email on record. For your privacy, it is recommended that you then change your password the next time you log into Online Banking. If you need help, or get locked out of your Online Banking account due to too many unsuccessful login attempts, call a bank representative at 410-558-4200 or 1-888-561-BANK (2265) or click to chat with one of our representatives who can assist you through the process.

A. To submit your resumé, please complete an application online. Please visit our website and click on Careers in the About Us section. If you have questions in reference to a submitted resume or application, please contact Lauren Moeser.



Deposit Account Questions:

A. Our Deposit Hold information follows.

Existing Account
Checks deposited are subject to holds. The first $200 from a deposit will be available on the 1st business day after the day of the deposit. Remaining funds will be available on the 2nd business day after the day of the deposit. Longer delays may apply.

Longer Delays
Longer delays may apply if we believe a check you deposit will not be paid, your deposit checks total more than $5,000 in one day or you redeposit a check that has been returned unpaid. They may also occur if you have overdrawn your account repeatedly in the past six months. Funds will generally be available no later than the 7th business day after the day of your deposit.


A. Purchase Limits: When using your debit card for purchases, there is a $3,000.00 daily limit. To have purchases above that amount approved, you will need to contact your branch.

A. When using your debit card to withdraw funds from an ATM, the limit is $500 per card.

A. You must complete an Unauthorized Affidavit at one of our branch locations and have the signature witnessed by a branch representative. You have 60 days from the date the transaction has posted to your account to dispute the charge.

A. Fraud Watch Plus (866-842-5208) has fraud analysts that watch for suspicious card activity and will contact you if they detect potential fraud on your card. Once someone from Fraud Prevention Services speaks with you, a decision is made at that time to block or not to block your card. If your card is blocked, you will then need to stop into any branch to receive a new card.

A. Yes, 1st Mariner can accept/send international wire transfers. For details and associated fees, please visit a branch, call a bank representative at 410-558-4200 or toll-free 1-888-561-BANK (2265). 

A. We are not able to place a stop payment on items purchased using a Visa® Debit Card.  For unauthorized transactions, complete an Unauthorized Affidavit for investigation.

A. In order to close your accounts you would need to send a letter or a fax to the branch that opened your accounts. The letter or fax would need to include an address to send the funds, a brief explanation stating the reason for closing, and your signature.      

A. FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.



Loan Related Questions

A. We can accept payments online from 1st Mariner checking and 1st Mariner savings accounts. Select the internal transfer tab. We can also accept a check by phone payment from a checking account with any bank over the phone for a fee.

A. Call a bank representative at 410-558-4200 or toll-free 1-888-561-BANK (2265) where a representative will assist you.

A. You are able to obtain a free copy of your credit report once per year from each credit reporting bureau. To obtain a free copy of your credit report online, visit You can also call the credit bureaus that can assist you over the phone:

Equifax: 1-800-685-1111
Experian: 1-888-397-3742
TransUnion: 1-800-888-4213

A. You can apply for loans online by navigating to the loan specific page on our website and click “Apply Now.” You can also apply for a loan by calling a bank representative at 410-558-4200 or toll-free 1-888-561-BANK (2265) which can assist you by taking a loan application over the phone.  You can also visit our branches that can assist you with the application process.


Helpful Websites

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