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Free Checking That Moves You Forward

No monthly fee or minimum balance requirement
30,000+ unlimited fee-free ATMs at familiar places where you shop
24/7 digital banking with our top-rated Mobile App2
Get paid up to a day early with direct deposit3
Visit our local branches to get friendly help in person

More free ATMs than the big banks Tower ATMs are conveniently located throughout the Baltimore/Washington area. Plus, members have free unlimited access to over 30,000 free ATMs nationwide, including many 7-Eleven and Royal Farms stores. Find an ATM


  • Fraud Protection – Enjoy 24/7 fraud monitoring and rest easy knowing that if your debit card is lost or stolen, you won’t be responsible for any unauthorized charges
  • Enhanced Login Security – Add more security with Biometric Login, multi-factor authentication, or your favorite authenticator app (Duo, Authy, etc).
  • Card Controls and Alerts – Lock and unlock your debit card, setup alerts and control how and where your card can be used.
  • NCUA Insurance – Deposits at Tower are insured up to $250,000 by the National Credit Union Administration (NCUA).
  • No-Fee Overdraft Options – Connect a qualifying Tower savings account1 or a Personal Line of Credit and pay no transfer fees. See your overdraft options.
  • Move Money Easily – Pay bills online or send cash with PayPal or Venmo.
  • Digital Wallets – Fully compatible with Apple Pay™, Samsung Pay™, and Google Pay™
  • Request Checking – Open an additional limited checking account to better manage your finances.4
  • Dividend-Bearing – Earn daily dividends on your account balance. View rates.
  • Starter Checks – Receive your first box of 80 checks for free.
  • Learn more about Tower’s Digital Self-Service Options.
  • Free checks with direct deposit

Make a Purchase. Make a Difference.

With every debit card purchase, Tower will make a donation to help our military heroes and children in need. Learn more about Pennies for Change.

Checking Account Rates

Checking Account TypeDividend Rate %APY %Minimum to Open
Regular Checking0.150.15$10
Request Checking0.150.15$10
Rates effective: 2/1/2023
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.


Open an Account

If you are a current Tower member, you can open a checking account by logging into Home Banking or visiting a branch.

Not a member yet? Check your membership eligibility, then use our switch kit to help you move your account.

For further assistance, please call our Member Service Center at 301-497-7000 or 866-56-TOWER.

Funds Availability
Digital Wallets Terms and Conditions apply Apple®, Apple Pay® and Wallet are trademarks of Apple, Inc., registered in the U.S. and other countries. Android, Google Pay, Google, and Google Play are trademarks of Google LLC. Google Pay is trademark of Google LLC. Samsung® and Samsung Pay® are registered trademarks of Samsung Electronics Co., Ltd.

  • 1

    Federal regulations limit the total number of electronic transfers from any non-transactional account – Prime Share (savings), Clubs, or Money Market – to six (6) per account per month. This includes overdraft transfers, online Cross Member Transfers and Funds Transfer, and cleared checks from a Money Market account. You can make an unlimited number of transfers and withdrawals through the mail, at an ATM, and in person at a branch. Transfers made to a Tower loan account are not included in the limitation of six per account per month. For additional information, refer to Tower’s Membership and Account Agreement.

  • 2

    Mobile Banking Disclosure – Mobile Banking services are free to all Tower members. Your carrier’s message and data rates may apply. Other Mobile Deposit restrictions may apply.

  • 3

    Early Direct Deposit – Eligibility for receiving direct deposit early may vary between pay periods and timing of the funding by the payor.

  • 4

    Request Checking – Tower’s Request Checking debit card access is limited to Tower ATMs.

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