A Regular Checking account with Tower Federal Credit Union comes with a free Mastercard® debit card to give you convenience and flexibility. There’s no piling up of credit card debt when you shop because the funds come directly from your Regular Checking account. To help you keep your account secure, we offer a chip debit card.
Your debit card makes it easy to make purchases, withdraw cash, make a balance inquiry or transfer funds.
- Free use of Tower ATMs
- Unlimited access to over 30,000 free ATMs nationwide
- Pay for purchases at more than 25 million locations where Mastercard debit is accepted
- Keep track of your transactions online through Home Banking
When making a purchase, you can use your card as either debit or credit. Selecting “debit” (or “ATM”) and entering your PIN will allow you to get cash back at select merchants without ATM surcharges. If you select “credit,” your purchases will still be debited from your checking account but you will not be able to receive cash back from that transaction. Learn more about how and where to use your Tower debit card.
Use your Tower debit card at participating retailers, and you can receive offers in Home Banking and our Mobile App for cash back rewards that are deposited directly into your checking account.
Here’s how it works:
- Log in to Home Banking or our Mobile App to view your rewards.
- You’ll receive offers based on how you currently shop.
- Click on the offers to add them to your Tower debit card.
- Shop at that retailer and pay using your Tower debit card. You can select either the “Debit” or “Credit” option.
- Enjoy cash back at the end of the following month.
There’s no limit to the number of rewards you can earn! And the more you use your Tower debit card, the more offers you’ll receive.
To participate in Debit Rewards you must have a Regular Checking account, be a Home Banking user and have a Tower debit card.
Watch a Demo
Choose Tower’s Opt-In to authorize Tower to pay overdrafts for everyday debit card purchases and ATM cash withdrawals using a Tower debit or ATM card.
- For each overdraft Tower pays, there will be a charge of up to $25.
- Make sure you bring your account up to a positive balance at least once every 15 days.
- Maintain your account in good standing with regular deposit activity and keep the number of overdrafts to a minimum.
- Tower cannot guarantee that we will always authorize and pay overdrafts.
If your Tower debit card is lost or stolen, or if you suspect fraudulent activity on your card, please notify us immediately.
Call 301-497-7000, 800-787-8328 or 866-56-TOWER.
You can also use Debit Card Controls within Home Banking to lock your card until it is found. Debit Card Controls gives you more control over your Tower debit card security by allowing you to set parameters on how your debit card can be used. You can even lock and unlock your debit card by using the ON/OFF switch in Home Banking or in Tower’s Mobile App.
See all of the controls you can activate on your Tower debit card to help fight fraud:
By transaction types: Enable or disable specific types of transactions such as in-store, online, ATM, mail/phone order, and more.
Merchant categories: Enable or disable specific types of merchants including groceries, department stores, gas stations, entertainment, travel, restaurants, and more.
By location: Choose to either allow transactions that only happen around you or specify a geographic region on a map.
By transaction amount: Set spending limits and transactions over that amount will be declined.
You also can set up real-time alerts to track specific transactions and activities based on your controls. Want to learn more? Visit our FAQs.
You don’t have to worry about unauthorized purchases, because your Tower debit card includes Mastercard’s Zero Liability Protection.
Not a member of Tower Federal Credit Union yet? See if you are eligible to join!
For further assistance, please e-mail or call our Member Service Center at 301-497-7000 or 866-56-TOWER.
Need extra cash this holiday season? There’s no better time to rack up cash rewards on your Tower debit card while you’re out and about. Simply accept your cash-back discounts to retailers and eateries in Home Banking or our Mobile App and go shopping!
BONUS: Enter to Win a $100 Amazon Gift card every time you use your rewards. 3 lucky winners!! Details here Details.