Sign up for the ease, convenience and security of direct deposit of your paycheck to your Tower checking or savings account. You can also use direct deposit for other recurring checks you receive in the mail—like Social Security, pension and annuity payments. With direct deposit, your money is always deposited on time—and it's free. When you set up direct deposit to your free Tower checking account, you'll receive free, personalized, Premier checks.

• It's easy to apply. Simply print and complete the appropriate form below.
• It's flexible. Funds can be allocated in any amount to any Tower account you choose. You can change the amount of account allocations at any time.
• It's convenient. No more trips to the credit union. No more waiting in line. Your money is always deposited on time.
• It's safe. No worrying about a lost or stolen check.
• It's easy to track. Login to Home Banking to view your direct deposits and allocations to your Tower accounts.

Signing up for direct deposit is easy.
Complete the appropriate form and take it to your employer, or other income provider, who will begin your automatic direct deposit service.

• Use the Direct Deposit Authorization Form to sign up for direct deposit of your paycheck or other income (pension, annuity payments, etc.).
• If you are a government employee, use the Federal Government Direct Deposit Form to sign up for direct deposit of your paycheck.
• If you receive Social Security, Supplemental Security Income, VA Compensation or Pension, use the Federal Government Direct Deposit Form to sign up for direct deposit of these payments.

Allotment
You may be able to authorize your employer or other source of income to deposit a portion of your recurring income directly to your Tower account. Ask your employer or other income source for details.

Allocation
Once you’ve set up direct deposit, sign up for direct deposit allocation for an easy and secure way to automatically contribute to a Tower "You Name It" Club or other savings accounts, or to make Tower loan account payments. Just tell us the amount you want allocated from your recurring direct deposit funds and Tower will take care of the rest.

To set up direct deposit allocation, login to Home Banking, go to Online Forms and submit the Direct Deposit Allocation Request form. If you're not a Home Banking user, sign up easily and securely today.

Accounts receiving a direct deposit prior to 12/31/08 are not eligible for cash bonuses. A qualified direct deposit is defined as a recurring direct deposit of $100 minimum in the same month of a paycheck, Social Security or pension payment electronically deposited to a Regular Checking account. Multiple deposits within the same month can not be combined to meet $100 minimum requirement. Eligibility requirements for a Regular Checking account must be met to qualify for cash bonus. Checking account must be in good standing. Members are not eligible for more than one incentive to set up direct deposit or open a Regular Checking account. First direct deposit must post to account by 12/31/09 to be eligible for cash bonus. Cash bonus is subject to taxation. Offer ends 12/31/09; may be withdrawn at any time. Checking account annual percentage yield is 0.25% effective 1/1/09 and is subject to change.

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