Welcome! Severn Bank Customers

Good things happen when we are in it together.  

Welcome to Shore United Bank! We are excited about the opportunity to bring you an expanded branch network and to extend our services to communities throughout Anne Arundel County.  As we approach the conversion of Severn Bank and Shore United Bank systems following the merger, we want to provide you with important information about your accounts(s) and what you can expect during the coming weeks.  Together, we are working behind the scenes to ensure your transition from Severn Bank to Shore United Bank is as seamless as possible.  
 

Pursuant to the merger agreement between the banks, Severn Bank was acquired by Shore United Bank in a transaction in which Severn Bank merged with and into Shore United Bank, with Shore United Bank as the surviving institution.  The merger closed October 31, 2021.  While all Severn Bank accounts have been assumed by Shore United Bank, there is a period of transition between the closing of the merger and the date of conversion of the bank systems.

 
Beginning the week of January 3, 2022, we will be mailing  a 'Welcome Guide' to help you navigate through the conversion of your account(s) to Shore United Bank.  In this package you will find important information including:
 
  • Key dates and account information
  • Introduction to Shore United Bank
  • Questions and answers about products and services
  • Account agreements and disclosures
We ask that you please review the guide as it outlines how the conversion may impact you and action(s) you may need to take to help ensure a smooth transition.  If you have any questions that are not covered in the guide, please visit your local branch or call 1-877-758-1600, weekdays from 8:00 a.m. to 4:30 p.m.  
 
We value your relationship and again, welcome you to Shore United Bank.  Our mission is your success.  

Online & Mobile Banking Access

Attention Severn Bank Customers: You do not need to apply or enroll as a new Shore United Bank Online or Mobile Banking customer prior to the conversion.  Your account (s)  will automatically convert on Tuesday, February 22, 2022.  First-time login links with instructions will be available on our website on Tuesday, February 22, 2022 for you to log in and access your accounts.  For more information, we ask that you refer to the Personal or Business Welcome Guide you received in the mail.  Electronic versions of the Welcome Guides are also available in the links below.  
 
 
If you have additional questions, please contact us at 1-877-758-1600.  Thank you.  

 

Customer Communications

11/01/2021: Welcome Letter
 

Conversion Instructions for Quicken and QuickBook Users

 

Company Press Releases


 

Important Dates  & Times

•  Severn bank customers will receive a conversion guide detailing information about the conversion and Shore United Bank products and services.
•  New Shore United Bank debit and ATM cards will be mailed to Severn Bank customers. PIN mailer will follow in separate mailing.
•  2:00 p.m. Access to Severn Bank Mobile Check Deposit will no longer be available. 
• 3:00 p.m. Severn Bank branches will close. These branches will reopen as Shore United Bank on Tuesday, February 22, 2022.
•  4:00 p.m. Access to Severn Bank Online, Mobile, and Automated Telephone Banking will no longer be available.
•   Severn Bank branches will be closed as we transition our systems to Shore United Bank.
•   Severn Bank and Shore United Bank branches will be closed in observance of the Presidents’ Day holiday.
•   4:00 a.m. Severn Bank debit and ATM cards will automatically deactivate.  Securely destroy your Severn Bank debit and ATM card(s).
•   Any time after 4:00 a.m. activate your Shore United Bank debit and ATM card by following the instructions in the mailer.
•   8:00 a.m. Shore United Bank Online and Mobile Banking available to former Severn Bank customers -visit shoreunitedbank.com and follow log in details            located on the home page of our website.
•   8:00 a.m. Begin depositing cash and checks using a Shore United Bank ATM.
•   9:00 a.m. Severn Bank branches reopen as Shore United Bank.
                        1 Please note that the conversion dates and time referenced herein are expected as of the date of this guide and are subject to change due to intervening circumstances.

Friday, February 18, 2022 after 3:00 p.m. - Tuesday, February 22, 2022 at 9:00 a.m.
Although other Shore United Bank branches will be open over the weekend, in-branch banking will not be available
for the former Severn Bank customers until Tuesday, February 22, 2022. To access your accounts during this time,
you may continue to use your Severn Bank debit card to make purchases and withdraw cash at ATMs or by writing
checks. After 4:00 a.m. Monday, February 21, 2022, you will need to activate your new Shore United Bank debit
                                                                     or ATM card by following the instructions in the mailer.

General Questions & Answers

When will I become a Shore United Bank customer?

You became a Shore United Bank customer effective with the merger.  However, the data conversion of Severn Bank systems to Shore United Bank systems will not occur until February.  Specifically, your Severn Bank accounts will convert to Shore United Bank on Tuesday, February 22, 2022. Beginning February 22, 2022, you can take advantage of all Shore United Bank products, services, ATMs and branch locations.

Will my checking, savings, money market, CD/IRA or loan account number change?

Your account number WILL NOT change. You may continue to use your Severn Bank account number and/or checks.

 

Will office hours remain the same?

Yes.  All branch hours at the new Shore United Bank branches will remain the same.

 Is there anything I need to do right now?

  • No. Keep banking with Severn Bank as you normally would. Your accounts will automatically be converted to Shore United Bank.  You may continue to use your Severn Bank checks.
  • Beginning February 7, 2022, you will receive a new debit/ATM card and a separate PIN mailer. While this may be a short-term inconvenience, we do need to reissue debit and ATM cards.  Your new Shore United Bank card (s) will be mailed to you in a plain white envelope with a separate PIN mailer to follow in a perforated white envelope.  
  • Beginning February 22, 2022, we ask that you provide anyone automatically debiting or crediting your accounts with your account number and Shore United Bank’s routing number, 052100932.
  • Beginning Monday, February 21, 2022, we ask that you notify any merchants who are automatically debiting your account using your Severn Bank debit card number be notified of your new Shore United Bank debit card number, CVV and expiration date. To ensure these transactions continue to be posted, you should make the changes before the next scheduled transaction. Debit transactions authorized using your Severn Bank debit card will not be posted after February 21, 2022.
  • For details about account changes, please read the information, disclosures, agreements and notices that will be posted in the guides when they are available.

Who should I contact if I have a general question about the conversion?

If you have any questions about this transition, please call 1-877-758-1600, weekdays from 8:00 a.m. to 4:30 p.m., or email us using our secure contact us form located on our website.  You may also visit any of our office locations. 

Who should I contact if I have any questions about access to online banking and mobile banking?

If you have any questions about access to your online or mobile banking, please call 1-888-820-6840, weekdays from 8:00 a.m. to 11:00 p.m.

Who will provide my tax forms for interest earned and paid?

Shore United Bank will, on behalf of former Severn Bank, provide tax reporting on all deposit and loan activity from January 1 through December 31, 2021.

Will the Severn Bank branch staff remain with Shore United Bank?

Yes.  The same friendly, professional team who have served you at Severn Bank will continue to assist you as Shore United Bank employees. 

Will I be able to access online and mobile banking or automated telephone banking during the conversion weekend?

  • Severn Bank mobile check deposit will not be available after 2:00 p.m. on Friday, February 18, 2022.
  • Severn Bank online, mobile and automated telephone banking will not be available after 4:00 p.m. on Friday, February 18, 2022.
  • Beginning Tuesday, February 22, 2022, at 8:00 a.m. you can log in to online banking at shoreunitedbank.com, more details will be forth coming in the welcome guide.
  • On Tuesday, February 22, 2022, at 8:00 a.m. you can also access your accounts using our automated telephone banking by calling 1-888-758-4900. The first time you call, you will need to enroll for the system to recognize you. First time users will need their full social security number or tax I.D. number, date of birth and zip code.  You will be prompted to create a four-digit PIN for recurrent uses.  

Will I have access to my accounts during the weekend of February 18, 2022?

The Severn Bank branches will be open until 3:00 p.m. on Friday, February 18, 2022. Although other Shore United Bank branches will be open over the weekend, branch banking will not be available at these locations for Severn Bank customers until Tuesday, February 22. There are two ways you can access your accounts over the weekend of February 18.

  • Debit Card/ATM: Continue to use your Severn Bank debit/ATM card through Sunday, February 20, 2022. Beginning the week of February 7, 2022, you will receive a new Shore United Bank debit/ATM card and  a separate PIN mailer. Activate and begin using your new card any time after 4:00 a.m. on Monday, February 21, 2022, by following the instructions in the mailer.
  • Checks: You may continue to use your Severn Bank checks. Check orders can be made by visiting our website ShoreUnitedBank.com or by calling 1-877-758-1600 on or after Tuesday, February 22, 2022.

What is the insufficient funds charge for overdrafts?

The fee is $35.00 for each item returned unpaid or paid into overdraft from a checking, savings, or money market account. Refer to the Fee Schedule located on page 25 of the welcome guide for other fees and charges.


What happens when the date of my automatic transfer to another account including my loan payment falls on a weekend or holiday?

If your transfer date falls on a weekend or holiday, your account will be debited the business day before the scheduled transfer date.