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Howard Bank created Marylandbankingblog.com with the small business in mind. It is another way Howard Bank offers the Hands On approach to banking. If there is a specific topic you would like us to write about, email us at HBOnline@howardbank.com with your topic idea.

Author Archives: Timothy Rozalski

Timothy Rozalski

About Timothy Rozalski

Tim Rozalski is a senior vice president and heads the marketing department at Howard Bank. He has more than 17 years of banking experience primarily focused on marketing, product management and communications. He manages all marketing activities and supports sales activities at Howard Bank.

Referrals, Follow-up with Action Plan…

December 12th, 2012 | Posted by Timothy Rozalski in Marketing - (Comments Off)

In a past blog post, “Marketing and Small Business – Questions to ask yourself,” one of the questions I posted that you should ask was about referrals:

Do you ask for referrals?          Many small businesses have to rely on referral sources to keep business steady. Have you asked your current customers for referrals? This is a marketing channel that in many cases can be very (more…)

Your Security, Business Account Takeover

July 6th, 2012 | Posted by Timothy Rozalski in IT Security - (Comments Off)

Business Account Takeover is the business equivalent of personal identity theft. Businesses not only need to protect themselves from identity theft but also ensure they have protections in place so that they do not have a business account takeover. (more…)

Your Security, Identity Theft

June 20th, 2012 | Posted by Timothy Rozalski in IT Security - (Comments Off)

Identity theft is a growing problem and consumers need to take measures to protect themselves at all times.  Awareness is one of the best deterrents against fraud. Criminals can steal your identity in many ways, and are inventing new avenues every day.  Howard Bank takes real interest and responsibility in protecting our customers against fraud, and while we have many checks in place to detect deceitful activity, we both can only benefit from customers who are (more…)

Your Security, Password

May 31st, 2012 | Posted by Timothy Rozalski in IT Security - (Comments Off)

You are responsible for maintaining one of the most important security measures: your password. Please be sure to keep your password a secret. We recommend you memorize your password. It is not recommended you write it down or carry your password in your purse, wallet, or computer bag. Make sure no one watches you enter your password and always close your browser when leaving a computer. Make sure you regularly scan your computer for viruses that could (more…)

Marketing and Small Business – Questions to ask yourself.

May 25th, 2011 | Posted by Timothy Rozalski in Marketing - (Comments Off)

How does your product line or services offered differ from the competition?          Ensuring that you have a distinguished approach to what products and services you offer is key to success. If your product or services are similar to the competition how do you stand out? (more…)

The Importance of Businesses Identifying a Target Audience

April 15th, 2011 | Posted by Timothy Rozalski in Marketing - (Comments Off)

One mistake that many businesses make when it comes to marketing is that the business can’t tell you who their target audience is or why they should identify this audience.  Identifying a target audience is important to starting a successful marketing plan.  (more…)