Your Benefits Continue
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Dedicated support from treasury and business bankers.
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Expanded access to offices across North Carolina, South Carolina, and Virginia.
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Secure online access to business accounts.
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ACH and wire capabilities.
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Treasury management services.
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Remote Deposit Capture and cash management tools.
Introducing Value Classic Checking
For Business Plus, Preferred Business, and Small Business Account Holders
Designed for businesses with moderate transaction activity, Value Classic Checking provides the flexibility many small businesses need for everyday banking.
Account Features:
- Monthly maintenance fees are waived through December 2027 for converting accounts.
- Up to 150 processed items (debits and credits combined) per month and $10,000 in cash deposits processed per statement cycle.
- Online and mobile banking access.
- Treasury services available to support your business needs.
Additional Activity Fees:
- $0.50 for each processed item over 150.
- $0.30 for each additional $100 in cash deposits over the monthly allowance.
Community Partners Checking
For DSB Non-Profit Checking Account Holders
Built for nonprofit organizations and community-focused groups, Community Partners Checking offers convenient, relationship-based banking designed to support your mission and day-to-day operations.
Account Features:
- No minimum balance requirement.
- No monthly maintenance fee.
- Unlimited check writing.
- No per-item fees for deposits or debit transactions.
- Earn interest on balances of $3,000 or more.
- Online and mobile banking access.
Additional Benefits:
- Complimentary cashier's checks.
- Free notary services.
- Discounts on safe deposit boxes.
- Special banking benefits available for your employees.
Value Classic Plus Checking
For Business Platinum Account Holders
Designed for businesses with higher transaction volumes, Value Classic Plus Checking offers greater flexibility for managing day-to-day banking activity.
Account Features:
- Maintenance fees are waived through December 2027 for converting members.
- Up to 500 processed items (debits and credits combined) per month.
- $10,000 in cash deposits processed per statement cycle.
- Online and mobile banking access.
- Treasury and cash management services available.
Additional Activity Fees:
- $0.50 for each processed item over 500.
- $0.30 for each additional $100 in cash deposits over the monthly allowance.
Value Solutions Checking
For Commercial Analysis Account Holders
Designed for businesses with more complex banking needs, Value Solutions Checking combines a sophisticated analysis account with specialized online banking and treasury management capabilities.
Account Features:
- Competitive earnings credit rate that can help offset analysis fees.
- Specialized online banking and treasury management services.
- Advanced cash management tools.
- Support for businesses with higher transaction volumes and more complex banking relationships.
- Dedicated Treasury Services support.
Additional Benefits:
If your business uses treasury services or other automated banking solutions today, our Treasury Services team will work closely with you to help ensure those services continue smoothly at TowneBank.
Value Select Checking
For Business Interest and DSB Business Interest Account Holders
Designed for businesses that want to earn interest on operating funds while maintaining easy access to their money, Value Select Checking combines everyday banking convenience with interest-earning potential.
Account Features:
- Maintenance fees are waived through December 2027 for converting members.
- Interest-bearing business checking account.
- Up to 150 processed items (debits and credits combined) per month.
- $10,000 in cash deposits processed per statement cycle.
- Interest compounds daily based on your collected balance.
- Online and mobile banking access.
Additional Activity Fees:
- $0.50 for each processed item over 500.
- $0.30 for each additional $100 in cash deposits over the monthly allowance.
For Former Business Interest Account Holders:
To help make your transition easier, you'll continue to receive unlimited processed items and cash deposits through December 2027. After that time, account activity will be reviewed and standard account fees may apply based on your usage.
Money Market Accounts
Cashflow Investor
For DSB Commercial MMDA and Willow Business MM Account Holders
Cashflow Investor is an interest-bearing business savings account designed to help your funds work harder while remaining accessible for your business needs.
Account Features:
- Interest-bearing account with daily compounding
- Tiered interest rates based on your account balance
- Online and mobile banking access
- Ideal for businesses looking to earn interest on excess operating funds
Interest Rate Tiers:
- Balances up to $2,499.99
- Balances of $2,500 and above
Fee Information:
- The monthly maintenance fee is $12
- This fee is waived through December 2027 for converting accounts
- After December 2027, the fee can be avoided by maintaining a $2,500 minimum daily balance
Transaction Limits:
- The first six external transactions per month are included.
- A $10 fee applies to each additional external transaction.
Cashflow Market Master
For Business Money Market Account Holders (Azalea, Beech, Cedar, Cypress, Dogwood, Elm, Fig, Hickory, Magnolia, Wisteria)
Cashflow Market Master is an interest-bearing account designed for businesses seeking a competitive return while maintaining convenient access to their funds.
Account Features:
- Interest-bearing account with daily compounding.
- Tiered interest rates based on your account balance.
- Easy access to funds for ongoing business needs.
- Online and mobile banking access.
Interest Rate Tiers:
- Up to $9,999.99
- $10,000 - $24,999.99
- $25,000 - $49,999.99
- $50,000 - $99,999.99
- Higher balances may qualify for additional rate tiers
Fee Information:
- Monthly maintenance fee of $20.
- Fee waived through December 2027 for converting accounts.
- After December 2027, the fee can be avoided by maintaining a $10,000 minimum daily balance.
Transaction Limits:
- The first six external transactions each month are included.
- A $10 fee applies to each additional external transaction.
SC & NC Promo: Business Money Market
Promotional Money Market for Business Members
If you currently have a promotional money market account, your promotional interest rate will continue through December 31, 2026, helping you maximize your earnings during the remainder of the promotional period.
Account Features:
- Promotional rate honored on all balance tiers through December 31, 2026.
- Interest compounds daily based on your collected balance.
- Convenient access to funds when you need them.
- Online and mobile banking access.
Fee Information:
- Monthly maintenance fee of $15 if the minimum daily balance falls below $25,000.
- The first six external transactions each month are included.
- A $10 fee applies to each additional external transaction.
- Dogwood IOLTA ACCOUNTS will transition to IOLTA accounts for the respective state where the account is held, with eligible interest paid to the state’s IOLTA program.
- Your INTRAFI® NETWORK DEPOSITS will remain unchanged, and you can continue to use this service at TowneBank in the future to meet your financial needs.
- Z SUITE HOLDING ACCOUNTS will convert to an account with the same features at TowneBank, with no interruption of service.
Frequently Asked Questions
Here are some common account questions we'd love to answer for you.
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Yes. The local bankers and teams you know and trust will continue serving you. You'll continue to receive the personalized service you've come to expect, now backed by the expanded resources and capabilities of TowneBank.
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TowneBank and Dogwood State Bank became a single FDIC-insured deposit institution on January 12, 2026. If you have combined deposit accounts at Dogwood and TowneBank that exceed the standard insured amount of $250,000, please talk to your banker for guidance. In some cases, accountholders may qualify for FDIC insurance coverage well above $250,000.
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Automatic payments and recurring drafts are expected to continue without interruption. We encourage you to review account activity after the transition and update your routing and account information as needed.
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Many checking, savings, money market, and CD account numbers will remain the same. Some accounts may require a new account number to align with TowneBank systems. Members whose accounts are changing will receive additional communication.
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Yes. Existing Dogwood checks and deposit tickets may continue to be used through December 31, 2027. When you're ready to order new checks, your banker can help ensure you have the correct routing and account information.
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Before November 2
Please continue to contact your local Dogwood Banker or branch at 833-349-3226, Monday through Friday from 9 AM to 5 PM.
After November 2For Personal Banking Members, please contact Towne Member Care at 844-638-6714, Monday through Friday from 8:30 AM to 6 PM.
For Business Banking Members, please contact Treasury Member Care at 844-638-6724, Monday through Friday from 8:30 AM to 6 PM. -
We expect your treasury services to transition to Towne24 on November 2.
However, prior to November 2, we encourage all Company Administrators and users to log into Dogwood State Bank's online banking and ensure that:- Contact information is up to date.
- Review ACH templates, approved users, recurring transactions, etc.
- Remove any templates or users no longer needed.
All Business Online Banking users are encouraged to register for one of our upcoming webinars that will cover the Towne24 system in October.
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Online and mobile banking users will transition to Towne24 on November 2. Additional information about login credentials, access, and digital banking resources will be shared ahead of this date by email and direct mail pieces. Please ensure that your email address and contact information are up to date with Dogwood State Bank and in your online banking profile.
