Commercial Loan Refinancing Towson MD

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Wells Fargo - York-Fairmount Branch
(866) 245-3452
989 Fairmount Avenue
Towson, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Susquehanna Bank - Dulaney Valley Branch
(800) 311-3182
806 Dulaney Valley Road
Baltimore, MD
ATM Fees
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee is waived if you have a balance of at least $2,500 after the withdrawal. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Susquehanna Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

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1st Mariner Bank - Loch Raven Branch
(410) 668-8660
1641 E Joppa Road
Baltimore, MD
Hours
mon: 09:00 - 17:00
tue: 09:00 - 17:00
wed: 09:00 - 17:00
thu: 09:00 - 17:00
fri: 09:00 - 19:00
sat: 10:00 - 13:00
sun: 10:00 - 13:00
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: No fees at ATMs in the MoneyPass network (12,000 ATMs nationwide).
1st Mariner charges a $2 fee each time you use an unaffiliated ATM. 1st Mariner also offers an option of paying a flat annual fee of $50 instead of paying this $2 fee for each withdrawal.
(Fee does not apply to all accounts.)
Surcharge fee: Surcharge-free AT
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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M&T Bank - Burke Avenue Branch
(800) 724-2440
32 York Road
Towson, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $24.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 4 uses per month. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact M&T Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
SunTrust - York & Washington Branch
(800) 786-8787
627 York Road
Towson, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
PNC Bank - Towson Branch
(800) 762-5684
409 Washington Avenue
Towson, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived on your first two withdrawals each month by maintaining an average balance of $2,000.00 between your 'Spend' and 'Reserve' Accounts.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact PNC Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Bank of America - Towson Drive-In Branch
(800) 432-1000
714 Dulaney Valley Road
Towson, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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M&T Bank - Goucher Boulevard Shoppers Branch
(800) 724-2440
803 Goucher Boulevard
Towson, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $24.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 4 uses per month. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact M&T Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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M&T Bank - Towson York Road Branch
(800) 724-2440
1005 York Road
Towson, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $24.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 4 uses per month. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact M&T Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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PNC Bank - Ravenwood @ Giant Branch
(800) 762-5684
8100 Loch Raven Blvd
Baltimore, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived on your first two withdrawals each month by maintaining an average balance of $2,000.00 between your 'Spend' and 'Reserve' Accounts.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact PNC Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Commercial Loan Refinancing

Commercial loans once acquired are often never reexamined to insure that the best financing value has been negotiated. It is an understatement to say that the business world is dynamic and economic conditions are always evolving. Changes often occur that might indicate the need for the reevaluation of a company or individual position with respect to commercial loans . There are several important reasons that might cause one to consider refinancing of a commercial loan . A few of these reasons are enumerated below;

1. Taking advantage of equity gains that may be realized which could enable the borrower to free up capital for other expenses or ventures. This option is often referred to as "cashing out" and offers an opportunity to invest the equity that has accrued in a manner that offers a higher return.

2. Interest rates may have declined or another commercial lender is offering a lower rate and it is prudent to take advantage of reduced payments. Reduced loan payments obviously affect cash flow and enhance one's financial position.

3. Another acquisition may provide an opportunity to combine loans and recognize increased cash flow or take advantage of more favorable terms and conditions. Combining notes may offer the opportunity to take advantage of the equity that has built up in one note to obtain more favorable financing for another. It also offers an opportunity to strengthen a financial statement by closing out a note under favorable conditions.

4. Taking advantage of an opportunity to lengthen the period of the loan and realize an increased cash flow as well as to take advantage of tax concessions.

5. It may be appropriate to pay down some of the note and renegotiate terms and conditions to strengthen one's financial statement.

These potential reasons have been highlighted for illustrative purposes, but there are other reasons that may cause one to seek commercial loan refinancing . Each individual or company circumstance will dictate differing responses. As with any decision, an evaluation of the advantages and disadvantageous is necessary to insure that the effort is worth the reward. One needs to assess the total impact of the decision with regard to tax implications, the advantages of cashing out equity, the effect on one's present financial statement, the opportunities for additional investment and the actual savings that may be available.

It is important to note that a detailed analysis may ...

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