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
Checking Account Rates
|Checking Account Type||Dividend Rate %||APY %||Minimum to Open|
|Rates effective: 6/30/2022
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. See additional disclosures.
Open an Account
For further assistance, please call our Member Service Center at 301-497-7000 or 866-56-TOWER.