Debit/ATM Cards

We've included a list of common questions below. For immediate assistance, please contact our support team by phone at one of the following phone numbers: 

Monday-Friday (8:30 a.m. - 5:00 p.m.)

After Hours, Weekends & Federal Holidays

Debit/ATM Cards General Questions

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How do I reset my Debit Card pin number?
You must visit your nearest TowneBank location or you can call 866-392-9952. You can find a full list of our locations here
How do I dispute a charge?
Please contact your hometown banker to dispute a charge made using your TowneBank debit card. You can find a full list of our locations on our locations and ATMs page.                             
Can I make a deposit using a non-TowneBank ATM?
No, you can only make ATM deposits with your TowneBank ATM/Debit card at one of our locations. For your convenience, you can find a full list of our ATM locations here
Can I add my TowneBank debit card to my mobile wallet?
You can add your TowneBank debit card to Apple Pay. However, we currently do not support Samsung or Google Pay.                              
How do I increase my limit for purchases?
Please contact your hometown banker to increase your limit on purchases made with your TowneBank debit card. For your convenience, you can find a full list of our locations here.                             

Lost or Stolen Debit/ATM Card

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What do I do if my debit or ATM card is lost or stolen?

To report a lost or stolen TowneBank Debit/ATM card, please contact the following number(s): 

How do I enroll to receive fraud alerts?
All we need is your phone number to enroll! Please contact your hometown banker so we can verify that we have your most up-to-date information. You can find a full list of our locations with contact information on our Locations and ATMs page.
What triggers fraud alerts?
Transactions outside the cardholder’s normal spending activity may trigger an alert.

Debit/ATM International Travel

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Should I notify the bank before I travel internationally?
Yes.  To prevent an interruption in ATM or Debit Card access, call your local Hometown Banker prior to your departure to place a travel flag on your account. This will reduce the chance of interrupted access to your funds while traveling.  
Are there any fees associated with using my ATM or Debit Card internationally?
Anytime you use your TowneBank debit card overseas you will incur a 3% charge on the total purchase. There is a 3% charge on the amount you withdraw from international ATMs.                             

Managing Balances and Overdraft Protection

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What is an overdraft?
An overdraft occurs when you spend more money than you have available in your account. Upon review, TowneBank may choose to pay an item on your behalf. If TowneBank pays this item for you, it is called an overdraft. If TowneBank does not pay this item for you, it will be returned unpaid and called a returned item.
How can I avoid overdraft fees?

If you are currently an online banking user, an easy way to avoid overdraft fees is to use notifications and low balance alerts. Signing up is easy. For Towne-Personal/Biz users simply login and select 'Additional Services' then select 'Alerts and Notifications'.

If you use Business Online Banking, login and follow these instructions:

  • Select the 'Administration' tab, then select 'Manage Alerts'.
  • From the 'Account Alerts' tab, select the desired account number from the dropdown menu, then select the 'Go' button.
  • In the Balance and Activity Alerts section, locate the Maximum, Minimum, and Negative Balance options.
  • Click 'Add' on the 'Minimum Balance' option.
  • Enter the minimum amount threshold and then select your preferred communication method(s).
  • Once complete, click 'Add Alert'. 
We also offer overdraft protection transfers which link your checking account to another TowneBank deposit account. In the event of an overdraft, available funds will automatically be transferred from the linked account. Learn more from your hometown banker. Fees apply. 

Or you may want to apply for a Coverline overdraft protection plan. This is a line of credit that, in the event of an overdraft, will transfer funds from your line of credit to the affected account. Subject to credit approval; applicable interest rates apply.


What is Overdraft Protection?

Overdraft protection is a tool that can help you avoid overdraft and returned item fees.  TowneBank has several options available.  *See Question 2: “How can I avoid overdraft fees?”

What is a Coverline?

A Coverline is a line of credit that, in the event of an overdraft, will transfer funds to the affected account. Coverlines are subject to credit approval and interest rates will apply.

Contact a hometown banker for more information.
Am I automatically enrolled in overdraft protection?

No. You are not automatically enrolled in overdraft protection. You must request to have your accounts linked or you can apply for a Coverline.

I am overdrawn. How did this occur?
You may overdraw your account even though the available balance appears to show sufficient funds in your account. For example, the available balance does not include: 
  • Outstanding checks and payments: Any checks you have written that have not yet cleared your bank account, or automatic or recurring payments that you previously authorized but have not yet been received by the bank for payment.
  • Debit card final transactions: In some cases, the bank receives a pre-authorization for a debit card transaction, but the final transaction may be more than the amount pre-authorized (for example, tips you add onto the transaction at restaurants). 
  • Pending debit card transactions: Certain type of card transactions, like car rentals, hotel reservations, and international transactions may be pre-authorized, but submitted for payment much later.
After reviewing your bank statement or online activity, feel free to contact a hometown banker if you need additional assistance. 

What other resources are available to help minimize overdrafts and fees?
If you are facing financial challenges, you may want to consider free or low-cost financial workshops or individualized financial counseling. Contact the National Foundation for Credit Counseling at 1-800-388-2227, or visit or for additional consumer resources. If you need additional assistance or tips, feel free to contact your local, hometown banker.

Fraud Prevention Alerts

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

View Details about Fraud Prevention Alerts
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