Get cash back on everyday purchases with free Debit Rewards and your Tower debit card. Simply click on offers in Home Banking, shop at selected retailers, and earn cash-back rewards. It’s that easy! Plus, every reward offer you redeem now through Dec. 24 is a chance to win $250! 4 winners! Details.

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.

  • Unlimited free use of Tower ATMs
  • Four free transactions per month at over 47,000 surcharge-free ATMs nationwide1 – including most 7-Eleven stores and Royal Farms stores, and Costco warehouses. Look for the CO-OP Network, CU HERE, or MoneyPass logo.
  • 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 301-497-7000800-787-8328 or 866-56-TOWER.

See our cyber safety tips and other tips for identity theft prevention.

You don’t have to worry about unauthorized purchases, because your Tower debit card includes Mastercard’s Zero Liability Protection.

If you are getting ready to travel, please contact us before your trip so we can help protect you against theft or unauthorized card use. See our travel tips for other ways to protect yourself.

Help reduce the chance of declined transactions, missed payments, and disrupted services due to outdated card information. Learn more.

Apply Today

If you are a current Tower member, you can apply for a debit card by logging into Home Banking or visiting a branch. Or, send a completed Debit Card Application by mail or fax to Tower.

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.

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    ATM Fee Disclosure – Tower-owned ATMs are totally free. At surcharge-free ATMs, the first four transactions each month are free. After that, each transaction is $1.