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Easy, fast, convenient, and safer than cash, Tower's debit card is
versatile. You can use it worldwide instead of your checkbook and
as an ATM card. There's no piling up of credit card debt because the
funds come directly from your
Regular Checking account.
| Look at all you can do with a Tower debit card: |
- Use it for cash withdrawals, inquiries,
and transfers at over 40,000 surcharge-free ATMs nationwide—including most 7-Eleven stores near you. Look for the
CO-OP and Credit Union 24 CUHERE network logos.
- Use the cash back option when making purchases
to
avoid ATM surcharges.
- Pay for purchases at more than 25 million
locations
where MasterCard® debit is accepted.
- Get cash, transfer funds and make balance
inquiries at over a million ATMs worldwide.
- Save money on a variety of goods and services when you take advantage of Click
& Save offers.
- Find Tower ATMs with your mobile phone.
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Need a Tower debit card?
Apply today by completing our online debit
card application or by calling
301-497-7000 or 800-787-8328. Or, if you are a Home
Banking user, login and go to Online Forms.
Should I push the Credit or Debit/ATM button?
When you want cash back with a purchase at select merchants, press
the "Debit" (or "ATM") transaction key. Then enter
your PIN. By pressing the "Credit" key, you pay for your
purchases and sign a receipt but are unable to get cash back.
Keeping track of transactions
You can track your debit card transactions—FREE in Home Banking. If you're
not already a Tower Talk 24 or Home Banking user, apply
here now. Be sure to enter debit card transactions in your checkbook
register. Save merchants' receipts then use your monthly statements,
Home Banking, or Tower Talk 24 for accurate record keeping.
Zero Liability
Have peace of mind knowing you won't be responsible for unauthorized
purchases. Receive the benefit of not being liable in the event of
unauthorized use of your Tower debit card according to MasterCard's
Zero Liability policy. As a debit cardholder, coverage extends to
purchases made in a store, over the telephone, or on the Web.
Zero Liability is provided under the following conditions:
- Your account is in good standing.
- You have exercised reasonable care in safeguarding
your card.
- You have not reported two or more unauthorized
events in the past 12 months.
Note:
Zero Liability does not apply if a PIN is used as the cardholder verification
method for the unauthorized transaction(s). However, your liability
may still be limited. Click
here for additional Electronic Funds Transfer disclosures.
Extra security for online purchases
When you use your debit card online, you'll need to enter
your private MasterCard® SecureCode™. This is
a personal password linked to your card for extra security for your
Internet purchases. Using your SecureCode is fast and free, and it
protects you from unauthorized users online. To set up your password,
make a purchase online as usual and follow the instructions at the
checkout screen.
What to do if...
If you suspect unauthorized activity on your account or if your debit
card is stolen or lost, stop using your debit card and notify us at
once by calling 301-497-7000 or 800-787-8328. Getting ready for travel? Let us know before your trip so we can help protect against theft or unauthorized card use.
Using Your Tower Debit Card
| Place of Transaction |
Daily withdrawal limit |
PIN or signature |
Types of transactions |
Locations |
Transaction Fee |
| Tower ATM |
$500 maximum* |
PIN |
Withdrawals,
Balance Inquiries,
Transfers,
Deposits |
Tower ATMs |
No
transaction
fee |
| Surcharge-free Network
ATMs |
$500 maximum* |
PIN |
Withdrawals,
Balance Inquiries, Transfers |
Surcharge-free
Network ATMs |
First four transactions
per month free; thereafter,
$.75 each |
| Non-Tower and non-Surcharge-free Network ATMs |
$500 maximum* |
PIN |
Withdrawals,
Balance Inquiries, Transfers |
ATMs with
Cirrus, STAR, or AFFN logo |
$.75 per transaction plus ATM owner may charge
additional fees |
Point of Sale**
"Debit" or "ATM" on PIN keypad |
Up to $2,500 of available account balance at
Tower*
Cash back maximum determined by merchant not to exceed $500*
|
PIN |
Merchandise or service purchases, with cash
back option |
Gas stations, grocery stores, restaurants, or
any merchant who accepts MasterCard debit card |
No transaction fee
Minimum purchase amount may be required by merchant |
Point of Sale**
"Credit" on PIN keypad |
Up to $2,500 of available account balance at
Tower* |
Signature |
Merchandise or service purchases
No cash back |
Gas stations, grocery stores, restaurants, or
any merchant who accepts MasterCard debit card |
No
transaction
fee |
* $300 maximum for
16- and 17-year olds.
** Amount of purchase is deducted from your Tower checking account.
"Debit" or "ATM" selection is through the STAR, Cirrus, or AFFN
electronic networks. "Credit" key selections are through the
MasterCard electronic network but is not a charge to
a credit card. |
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