ATM and Debit Cards

The TowneBank business debit card is a convenient way to make business-related purchases at stores and withdrawals at ATMs.

  • All the benefits of an ATM Card
  • Use the card to make business-related purchases at gas stations, office supply stores, or anywhere MasterCard is accepted
  • Easier than writing a check
  • Funds are automatically withdrawn from your primary business account
  • Protect your TowneBank business debit card by registering here.

Under the provisions of state and federal law, the Debit Business Card may not be treated as a consumer card, and may not be used for personal purposes.

We are pleased to provide two ways to protect your TowneBank Mastercard® Debit Card.

EMV Chip Technology

TowneBank Mastercard® Debit Cards feature an embedded chip to improve the security of your purchases at chip-activated terminals.
  • Enhance your fraud protection with chip technology. This tiny chip helps protect you from fraud by creating a one-time use code for each transaction. This code is virtually impossible to counterfeit and provides an extra level of protection for your debit card transactions. 
  • Use with ease. At a chip-activated terminal, simply insert your card and follow the prompts. At some terminals, you will swipe your card like you do today. You can also continue to use your card as you did before for online payments, telephone payments and at ATMs. 
  • Enjoy global acceptance. Chip-activated terminals are already available at many U.S. retailers, with more merchants to come. Those who travel outside of the U.S. may have seen these terminals already. You can enjoy secure payments worldwide - wherever Mastercard® Debit Cards are accepted.

MasterCard® SecureCode
MasterCard® SecureCode provides an added level of security for Internet purchases when using your TowneBank Debit Card.  Available only at participating MasterCard® SecureCode online merchants.

To begin, simply register your TowneBank debit card with MasterCard® SecureCode. During registration you will be asked to create a security code separate from your PIN. This code must be 6-10 characters long, contain a number (0-9), have no spaces and include both upper and lower case letters.  Once your card is registered, the SecureCode will be required for all purchases at participating online merchants. View a complete list of participating retailers.

Review these FAQs to learn more.

International Travel

Call your hometown banker before you travel internationally to avoid service interruption. 

For your security, there are several countries where there is a high level of attempted fraudulent ATM/Debit Card activity. In accordance with Master Card recommendations, transactions have been restricted in some countries in order to protect our members. This is why it's important for you to contact your hometown banker before you travel internationally.

You may be able to use travelers checks* or obtain foreign currency* before you travel. A hometown banker would be happy to assist you with either option. 

Review our FAQs to learn more about international debit card usage.

Apple Pay

Using your TowneBank MasterCard® debit card with Apple Pay™ is easy, secure and private. With Apple Pay, you can use the iPhone 6, iPad or Apple Watch to buy at stores and in apps using your card.

Setup is a snap
Adding your TowneBank MasterCard® debit card is easy. Open the Wallet app and tap the plus sign, then follow the onscreen instructions.

Protect your payments
Instead of card numbers, Apple Pay™ assigns a unique device account number with a transaction-specific dynamic security code each time you make a purchase — numbers that are never stored on Apple servers or shared with merchants. Your card number and identity are totally protected. This is just one of the many ways you are protected when you use MasterCard®.

Accepted in great stores
Look for the Apple Pay™ or MasterCard® contactless symbol when you want to make in-store purchases. 

MasterCard Nearby™ app
Find merchant locations that use MasterCard® contactless where you can tap your mobile device to pay.  Download the app

Visit Apple Pay Official Page

Your mobile carrier's web access charges may apply.

ATM/Debit Card Support

Monday - Friday (9:00 AM - 5:00 PM): 888-638-6718

After Hours, Weekends, & Federal Holidays: 866-952-5651

Fraud Prevention Alerts

Protect your ATM, Debit or Credit card with helpful alerts you can set up online.

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