The short answer
Maryland does not legally require an Operating Agreement for a single-member LLC, but having one is strongly recommended. It documents that your business is a separate entity, which strengthens your personal liability protection, and most banks require one to open a business account.
What Maryland requires
Maryland requires Articles of Organization to form an LLC, but it does not require an Operating Agreement on file. The Operating Agreement is an internal document you keep with your business records rather than submitting to the state.
Why you still want one
An Operating Agreement proves your LLC is a real, separate business entity, not just you doing business personally. This separation is what protects your personal assets. Without it, a court or creditor may question whether your LLC is genuinely distinct from you.
Banks and partners expect it
Most banks ask for an Operating Agreement when you open a business checking account. Lenders, investors, and larger clients may also request it. We provide Operating Agreement preparation starting at $135.
This is general information, not legal or tax advice.
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