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Towne-Personal Mobile

I downloaded the app but it looks like online banking, is this right?
Your mobile experience looks like online banking because you have not added a phone number to your online banking profile. To get the full mobile app experience, you must add a phone number to your profile. Select 'My Settings' from the upper right hand corner, scroll down to the section titled 'Security Options' and click on 'Edit'. From here, you can add phone numbers to your online banking profile.
I downloaded the app but I don't see mobile check deposit, what do I?
If you have not added a phone number to your online banking profile you will be directed to our online banking platform instead of the mobile banking app experience. To add a phone number, select 'My Settings' from the upper right hand corner, scroll down to the section titled 'Security Options' and click on 'Edit'. From here, you can add phone numbers to your online banking profile.
Why do I need a phone number added to my online banking profile to use the app?
If you do not have a phone number added to your online banking profile, the only method for you to receive a one-time passcode to authenticate your device is through email. Currently, the mobile app does not send one-time passcodes through email and will therefore direct you to the online banking experience.
Who can use Towne- Personal/Biz Mobile banking?

Anyone who is already enrolled in Towne-Personal/Biz Online Banking can use mobile banking. If you have not yet signed up for Towne-Personal/Biz, please enroll first. Once you are enrolled in Online Banking, you may use our mobile app, mobile website or text banking.

How can I use Towne-Personal/Biz Mobile Banking?

We are pleased to offer two ways you can access your accounts or retrieve account information from your mobile phone: The TowneBank Mobile Banking App and Mobile Web Browser.

  1. Mobile Apps for iPhone® and Android offer a more robust and custom experience for your mobile phone including Touch ID® / Fingerprint LoginTM, Mobile Check Deposit and a GPS Office and ATM locator. If you have an iPhone or an Android, we designed the Mobile App just for you. To download the App visit the App Store or Google Play.
  2. If you have access to the internet on your mobile device, you can view balances, pay bills and more. Log into online banking through our login page.
What is the difference between the mobile app and using mobile banking through my device's browser?

The mobile app has additional features and is downloaded through the Google Play store or Apple’s App store. Several features on the TowneBank Mobile Banking app for Towne-Personal/Biz users such as TouchID®/Fingerprint LoginTM and mobile check deposit are not available in mobile browser banking and are only available on the app.

Mobile browser banking is accessed by opening the browser (typically Chrome, Safari, etc.), navigating to townebank.com, and logging in. At that point, you will have access to a mobile-specific version of the online banking services that you use (such as Towne-Personal).

Is there a fee to use mobile banking?
TowneBank does not charge a fee to use any of our mobile banking options, however, message and data rates may apply. Check with your wireless carrier for internet service rates and plans available for your mobile device.
Is mobile banking secure?
Yes. Each mobile session is protected by the same end-to-end 128 bit, SSL encryption and extra login security as your online banking sessions. No sensitive information is stored on your phone and all account numbers are masked.
How does TouchID® / Fingerprint LoginTM work?
This feature allows you to use your fingerprint to log in securely instead of entering your username and password. By enabling TouchID®/Fingerprint LoginTM, every person with an enrolled fingerprint on your device will have access to your account. Review the enrolled fingerprints to make sure that each person is authorized to access the personal and financial information available in this app. Fingerprints are only stored on your device. TowneBank does not have access to your fingerprint.
How do I set up TouchID® or Fingerprint LoginTM on my device?
Open the app and log in using your username and password. Select ‘Settings’ and choose ‘Touch ID’ or 'Fingerprint ID'. To enable the feature, move the switch until it turns green or says 'on'.
What if I set up TouchID® / Fingerprint LoginTM, but decide I don't want to use it anymore?
If you decide to remove this authentication feature from your app settings, simply log into the TowneBank Mobile Banking app and select ‘Settings to access this feature and switch the option from ‘On’ to ‘Off’.
What is Face ID®?
Face ID is a feature that uses facial recognition to log into mobile banking. Face ID is only available on supported Apples devices.
How do I use Face ID®?

If Face ID is supported on your device, you will be prompted to enroll in Face ID if you have a new device and you have not used it previously to log into the mobile banking app. Once prompted, select the option to “Use Face ID” to navigate to the Face ID settings page. On the Face ID settings page, enable the Face ID feature and select “OK”.  Once enabled, Face ID will be the preferred log in setting on your device.

If you have never used the Face ID feature on your iPhone for any app, then you may need to complete the following steps:

  1. Log into the app using your username and password

  2. Select “More” from the navigation at the bottom of the screen

  3. Select “Settings” and choose “Face ID”

  4. Tap the button to “Log in with Face ID”

  5. Select “OK”

What if I enabled Face ID®, but decide I don’t want to use it anymore?

Follow these steps if you decide to remove this login capability from your app settings:

  1. Log into the TowneBank Mobile Banking App

  2. Select “Settings”

Switch the option from “On” to “Off” (once off, button will no longer be green)
Why am I prompted for a code upon login?

Your security is very important to us. We use enhanced multi-factor authentication to provide an additional layer of security to make it more difficult for fraudsters to access your accounts.


This enhanced protection uses both your password and a one-time verification code that you receive outside of online banking through text or voice phone call to access your account. Even if an attacker managed to steal your password he or she would be unable to access your account without your registered device or a one-time verification code sent only to your pre-determined phone number or email address.
I’ve lost my mobile device. What should I do?

If you added your mobile phone number to your online banking settings to receive one time passcodes you should remove it until you receive a replacement. To do this, simply login to Towne-Personal, go to ‘My Settings’ and then select ‘Update Security Options’ from the left hand menu. Delete the phone number for your mobile device until you obtain a new one. 

If you have previously registered this device for text banking it is recommended that you deactivate it. To do this, visit the text registration site. You will enter your username and password and you will be prompted to receive a one-time verification code. Once you are logged in simply click on ‘Unregister Device’.

How can I set my mobile device to remember my username?
On the login page there is a toggle button next to ‘Save Username’. To save your username, switch the ‘Save Username’ from ‘Red’ to ‘Green' or from ‘Off’ to ‘On’.
How can I update my phone number and/or email address associated with my online banking profile?
You can update this information by logging into your account on a desktop computer and once you are logged in, select My Settings in the upper right hand corner. Then, update the desired information and select Save.
What is an eBill?
An eBill is a bill that is delivered electronically through Bill Pay.
How do I set up an eBill in mobile banking?
Log into the TowneBank Mobile Banking App and select the ‘Pay’ tab. Select a ‘Payee’ and if the option for an eBill is available tap it to change it from ‘Off’ to ‘On’. You must agree to share your email address with the biller and select ‘Done’. It may take 1-2 billing cycles for you to receive your bill via eBill and you will be notified via email when your eBill is waiting to be paid.
Can I view my eBills in mobile banking?

Currently, the ability to view eBills on a mobile device is only available on the mobile app.

There are two ways you can view an eBill in the mobile banking app:

  1. If the eBill has not been paid, it can be seen through the unpaid eBills banner on the ‘Bill Pay’ tab. Tap ‘View’ on the unpaid eBills banner to navigate to the ‘Payee Details’ view.

  2. You can also view your eBill by going to ‘Bill Pay’ and selecting ‘Payees’. From here, you will be able to download a PDF of your eBill.

How do I pay an eBill using mobile banking?

You can pay eBills in both the mobile banking app and through the mobile browser.

To pay your eBills in the mobile banking app:

  1. Log into the TowneBank Mobile Banking App

  2. Navigate to Bill pay

  3. From ‘Pay’ tab in Bill Pay there will be a notification bar at the bottom of your screen for any unpaid eBills

  4. Tap ‘View’ to see unpaid eBills

  5. Select a payee

  6. Tap ‘Make Payment’

  7. Select amount option: ‘full amount,’ ‘minimum due,’ or enter a custom amount

  8. Tap “Pay” button

You can also pay an unpaid eBill on the ‘Payees’ tab by tapping on a payee and going to the payee details.

To pay an eBill through the mobile browser, follow these steps:

  1. Navigate to Townebank.com

  2. Log in to Towne-Personal or Towne-Biz

  3. Select ‘Bill Pay’

  4. Select ‘Due Bills’

  5. Select payee

  6. Enter payment amount and pay

How can I see my Bill Pay payment history on my mobile device?

You can view payment history by payee in both your mobile banking app and your mobile browser.

To view payment history by payee in your mobile banking app, follow these steps:

  1. Log in to the TowneBank Mobile Banking app

  2. Go to ‘Bill Pay’

  3. Tap on ‘Payees’ tab

  4. Select a Payee

  5. Tap on ‘Payment History’

To view payment history in your mobile browser, follow these steps:

  1. Open your mobile browser and navigate to TowneBank.com.

  2. From there, log into Towne-Personal or Towne-Biz

  3. Select ‘Bill Pay’

  4. Select ‘Payment History’

When adding a new Bill Pay Payee, why am I sometimes asked for only my account number while other times I'm asked for the Payee's mailing address?
Our Bill Pay system has a very large database of popular Bill Pay Payees. If you enter a payee that is housed in this database, the mailing address is already known. However, if the payee is not in the database, you will need to provide additional contact information for that payee.
Can I schedule a bill payment to a payee as soon as I add it?
Yes, as soon as you complete the information for a payee you can schedule a bill payment.
I downloaded the app but I don't see mobile check deposit, what do I?
If you have not added a phone number to your online banking profile you will be directed to our online banking platform instead of the mobile banking app experience. To add a phone number, select 'My Settings' from the upper right hand corner, scroll down to the section titled 'Security Options' and click on 'Edit'. From here, you can add phone numbers to your online banking profile.
Who is eligible to use Mobile Check Deposit?

Mobile check deposit1 is available to TowneBank members who are currently enrolled in Towne-Personal/Biz online banking and have an account in good standing. You must have the most current version of the TowneBank mobile banking app downloaded to your device.

Are there limits to how much I can deposit?
Yes, depending on how long you’ve been a member and the extent of your relationship with the bank. If you need to make a deposit that exceeds your current mobile deposit allowance, contact your hometown banker to see if you are eligible for extended limits. Or stop by one of our convenient ATM or office locations to make a deposit.
What types of checks can I deposit?
You can deposit checks written to you that originate from a U.S. Bank. We are unable to accept savings bonds, traveler's checks, counter checks, or photocopies of checks.
Will my deposit be available immediately?
Deposits made prior to 6:00 p.m. should be generally available the next business day. All deposits are subject to holds and verification.
How will I know if there is a problem with my check deposit after I submit it?
You will receive email notifications to keep you up to date on the status of your deposit. Email notifications will be sent to the email address we have on file associated with your online account access.
What do I do with my paper checks after I have made my deposit?
We recommend that you store your paper check in a secure location for at least 30 days after you have made your deposit. Once your deposit has been accepted take care in destroying the check so that account numbers, routing information, and signatures cannot be read.

Your mobile carrier's web access charges may apply.
*Mobile check deposit is subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply.
**Only payees added through Online Banking or the TowneBank Mobile Banking app will be available through Mobile Browser Banking.
All terms applicable to Online Banking apply to Mobile Banking.