A New Digital Banking Experience

Coming July 2024

A refreshed design is coming your way.

New Mobile App

A modern and streamlined appearance, with improved browsing.

Improved Navigation

Find what you need faster and save time.

Expanded and Faster Alerts

Real-time delivery and enhanced card controls.

Enhanced Financial Wellness Tools

Track your spending, build your net worth and make smart money moves.

Coming soon, we'll be taking our Digital Banking suite of services to the next level. Our upcoming feature enhancements will make your banking experience smoother and consistent across all of your devices, for both online and mobile platforms. You'll continue to have access to the same great tools and features that you have today.

  • New Dashboard to view all accounts, recent transactions, and upcoming account activity.
  • Enhanced personal financial management tools—including options to view spending trends and setup savings goals.
  • Enhanced card management services and alerts.
  • With our new enhanced account alerts, you'll need to setup alerts again. Many new alert options will be available!
  • Secure forms will be located in one easy-to-use location.
  • Budgeting through Money Management will be replaced by new financial management tools that will give you a complete picture of your finances. Connect your account data from other financial institutions to enable summary displays to help achieve your savings goals and analyze your spending.
  • Your member number and your account numbers.
  • Your deposit and loan transaction history.
  • Any future dated or reoccurring transfers.
  • Any automatic recurring loan payments.
  • Your bill payment profile including:
    • Payee Information
    • Future Dated Payments
    • Recurring/AutoPay Bill Payments
    • E-Bills
  • Your Zelle® user profile, including your previously setup list of contacts.
  • eStatements if you are already enrolled.

Key Dates

July 9
Last day to schedule/modify future-dated/recurring internal transfers. Transfers scheduled prior to this date will carry over.

July 15
Digital Banking and the mobile app will be unavailable after 2:00 pm EDT.

July 16—by 5pm EDT
Go live date for Digital Banking.

Why is Tower changing its Digital Banking platform?
As part of our commitment to provide a smarter digital experience, we're refreshing our online banking and mobile app with a new design and helpful new features.

When does this take place?
The new platform will become available for Digital Banking users this July.

Is my member number changing?
No, your Tower member number is not changing.

How can I prepare now?
To ensure you receive all communications, please verify your mobile phone number and email address. Log in to Digital Banking, go to My Profile, then make any updates necessary.

What do I need to know about my first time logging in to the new platform?
Before you login to the new platform for the first-time—if you are using our mobile app—be sure that you have downloaded the latest app version on or after July 16, 2024. Android users will need to delete their current Tower mobile app and install the new one from Google Play store.

First-time login to the new platform will require authenticating your account using multi-factor authentication using a contact phone number that is already listed on your account. After you successfully authenticate your account, you can change your authentication method in Settings. (For example, you can change to SMS text authentication or an authenticator app.) To ensure a successful first-time login, please make sure your contact information in Digital Banking is up to date by logging in and going to My Profile, then view or edit contact information.

Which browser and devices are supported?
We encourage you to use the latest version available for the browser of your liking on your desktop or laptop computer. In addition, all Android and iOS devices are compatible with our online and mobile banking experience.

Will I lose access to any current features?
No, you'll continue to have access to the same great tools and features that you have today. While the initial starting point and navigation will be modified, the steps and processes to complete a transaction are largely the same.

Do I need to re-enroll or change my password?
No. You will access your account the same as you do today, with your username and password remaining the same. We may require stronger password complexity to keep your personal information safe.

When does the update take place?
The new digital banking platform will be available on July 16, 2024 by 5:00 pm EDT. Our updated mobile app will also be available then for download.

What are some key differences and how will I benefit?
An enhanced accounts experience including viewing any accounts from financial institutions currently established on your account under the new Accounts page.

Simplified navigation to quickly find the tools and information you need instead of searching for the right component.

A new financial management tool. Budgeting through Money Management will be replaced by new financial management tools that will give you a complete picture of your finances. Connect your account data from other financial institutions to enable summary displays to help achieve your savings goals and analyze your spending.

Refreshed Bill Pay experience Bill Payment will still be available in the new digital banking platform; it will just look a little bit different and have some NEW features! Existing payees/contacts and any scheduled payments will not be affected.

  • Rush payment delivery now available.
  • Ability to use multiple checking accounts to pay bills.

Enhanced real-time alerts delivered throughout the day or night. Choose how and when information is delivered.

More self-service debit card options.

Will my current username be the same in the new system?
Yes! Your current username will transfer to the new system. You can change it anytime thereafter if you wish.

Can I still manage my accounts with text banking via SMS codes?
No, text banking using SMS codes will no longer be offered. Information you currently request via SMS code will be available by logging in to your account on a browser or in the app.

What else will I need to login to my account?
Enrollment in multi-factor authentication (MFA) is common practice when accessing your accounts across various mobile apps and online platforms. When you login the first time in the new system, you will be prompted to receive a MFA code to one of your contact phone numbers that is already listed on your account. Remember to update your contact information now under the current platform by logging in to Digital Banking and go to My Profile, then contact information.

Additionally, our new optional Digital ID service in the mobile app allows our Member Service Center to confirm your identity by phone.

What items will I need to set up again in the new platform?

The following will need to be set up again in the system:

  • If you previously designated Shared Access Users (or secondary users/subusers) on your account, they will need to be re-added to your accounts after the conversion. To confirm if you have designated any secondary users on your account, log in to Digital Banking and go to Additional Services, then Share Access with Others. Please notify any secondary users prior to the conversion that you will need to add their access on the new system.
  • Accounts alerts will need to be re-set up by clicking Settings in the upper right-hand navigation bar and selecting Alerts.
  • Card alerts and controls will need to be re-added by selecting Card Services then Card Management, Manage card, and Alerts and Controls.

Do I need to login to the new Digital Banking on the first day it becomes available?
No, you do not have to log in immediately to the new system if you do not need to. If you don't need to access Digital Banking during the first week after launch, you may want to consider delaying your initial login to avoid longer than normal wait times if phone support is needed.

Do I need to re-download the app to receive the new update?
If you're an Apple user, you will simply need to update the app after conversion. If auto app update is enabled, the app will automatically download when available.

If you're an Android user, you will need to download our new app version from Google Play. Once downloaded, delete the old app to avoid any confusion.

Our old app will no longer work after July 15, 2024.

Will my scheduled recurring transfers be recognized after converting to the new platform?
Yes, however there will be some transfer service downtime.

Any recurring or scheduled transfers that were scheduled before July 9, 2024.will occur as normal, and will carry over after conversion. If you'd like to make any changes to your transfers you must do so before July 9, 2024.

The ability to change or setup new scheduled or recurring transfers will be unavailable from July 9, 2024 until on or about July 16, 2024.

What new debit card services will be available in the new platform?
More self-service options will become available, including setting or resetting your PIN, card activation and ability to report lost/stolen cards.

What check services will be available in the new platform?
Check orders can be placed in Online Banking only. Stop Payments will be available under Account Services, then Check Services.

Where can I find my account numbers on the new platform?
Your account number can be found in Digital Banking by clicking on the account in the Dashboard, then clicking on the eye icon to unhide the full account number. In the App, go to Show Details after clicking on the account.

When should I use the "Forgot Password" option?
If you are an existing Digital Banking user and are attempting to log in for the first time to our new platform, but are experiencing issues, please contact us for assistance. The "Forgot Password" tool can be used after your first successful Digital Banking login to the new platform.

Digital ID serves as your electronic identity card that allows our Member Service Center to confirm your identity thought our mobile app. When optional Digital ID in the mobile app is enabled, we will verify anyone trying to access your account through a push notification sent via our mobile app to authenticate your identity. To participate in this service, after downloading our mobile app, go to settings and choose Digital ID. Be sure to also enable push notifications in your device settings.

First-time login to the new platform will require authenticating your account using multi-factor authentication using a contact phone number that is already listed on your account. After you successfully authenticate your account, you can change your authentication method in Settings. (For example, you can change to SMS text authentication or an authenticator app.) To ensure a successful first-time login, please make sure your contact information in Digital Banking is up to date. 

What will happen with my email exchanges with Tower in Digital Banking?
Your secure email history will not be available. All of your pending email exchanges will be continued in the new platform once the transition is complete. If you would like to keep conversation history, you can download any conversations prior to the upgrade. Future email communications will now be found under Message Center.

Will I be able to see all of my debit cards in Card Management?
Yes. Primary account owners will have the access to manage any of their debit cards. This includes cards on your own account and cards you may have for any other member accounts.

Still have questions?