Get the free checking account that moves you forward.
Get $300 when you open a Tower checking account and set up a qualifying direct deposit within 60 days.1
Get everything you need in one simple account.
No Monthly Fee
There's no minimum balance requirement, either.
30,000+ Unlimited Fee-Free ATM
Find them at familiar places where you shop.
24/7 Digital Banking
Access your account with our top-rated app2
Get Paid Up To A Day Early
Direct deposit3 makes your money available sooner.
Visit Our Local Branches
Get friendly help in person for all your financial needs.
For each debit card transaction, Tower donates to military heroes and children in need.
You'll always have access to your money whenever you need it, whether it's through an ATM or by using our digital tools. Simplify your daily money management with this convenient checking account.
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.
Sources: WellsFargo.com, BankofAmerica.com, MTB.com, Truist.com
- 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
Free checking fits you perfectly
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.
Save with peace of mind
With short and long-term solutions, dollar by dollar you can begin building a brighter future.