The best things in life are still FREE. Checking


Regular Checking

Open a totally FREE checking account with an initial deposit of $10 and start earning daily dividends along with these savings:

  • No monthly fee or service charges
  • No minimum balance requirement after $10 deposit
  • FREE MasterCard® debit card—earn cash with Debit Rewards
  • FREE checks with direct deposit
  • FREE Tower ATM transactions*—over 47,000 surcharge-free ATMs nationwide
  • FREE Home Banking
  • FREE Mobile App and Mobile Deposit**
  • FREE online Bill Payment with 3 or more payments each month
  • FREE online personal financial management assistance with FinanceWorks
  • FREE eStatements
  • FREE overdraft protection from a savings account
Request Checking

Tower's Request Checking is similar to our Regular Checking account, except Tower debit and ATM card access is limited to Tower ATMs.

With Request Checking, track transactions, transfer funds, reorder checks, view cancelled checks, and place stop payment orders online through Home Banking. Request Checking is a personal checking account and is not to be used for business purposes.

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

**Mobile Banking services are FREE to all Tower members. Your carrier's message and data rates may apply. Other Mobile Deposit restrictions may apply.

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.

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